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Salaried Self-Employed

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Minimum Loan amount is Rs.15,000 !

Maximum Loan amount is Rs.75 Lakhs !

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Salary should be Minimum Rs.10,000!

Salary should be Maximum Rs.10 Crores !

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Minimum Turnover Should Be Rs. 3 Lakhs!

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Interest rate start 10.75% * Upto 40 Lacs
Loan Duration: 12 - 60 months*

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Enter Loan amount!

Minimum Loan amount is Rs.15,000 !

Maximum Loan amount is Rs. 75 Lakhs!

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Enter Your Monthly Salary!

Salary should be Minimum Rs.15,000!

Salary should be Maximum Rs.10 Crore!

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Minimum Turnover Should Be Rs. 3Lakhs!

Your Turnover Limit Exceeded!

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Interest rate start 10.75% * Upto 40 Lacs
Loan Duration: 12 - 60 months*

4.5 /5(500 Votes)

ICICI Bank Personal Loan Interest Rates

ICICI Bank is India’s one of the largest privet sector bank. ICICI Bank Personal Loan Interest Rates is lower than other banks. ICICI Bank Personal Loan Interest Rates starts from 11.25%* to 22.00%* p.a. ICICI Bank Personal Loan Interest Rates is lower for salaried comparatively self-employed. The processing fee is excluded from ICICI Bank Personal Loan Interest Rates so you have to pay that which is very minimal. Also who have a salary account in ICICI Bank they will get ICICI Bank Personal Loan Interest Rates lower other than other customers. To get lower ICICI Bank Personal Loan Interest Rates you must have higher eligibility criteria like you should have CIBIL Score more than 650.

ICICI Bank Personal Loan Interest Rates Calculator

Your ICICI Bank Personal Loan Interest Rates is calculated through your eligibility criteria. If you have higher eligibility criteria your ICICI Bank Personal Loan Interest Rates will be lower. And if you have lower ICICI Bank Personal Loan Eligibility Criteria your ICICI Bank Personal Loan Interest Rates will be higher.

Reducing ICICI Bank Personal Loan Interest Rates is not that hard, you just have to follow some rules; if you have higher credit score your ICICI Bank Personal Loan Interest Rates will be lower. So here are some factors which will affect your ICICI Bank Personal Loan Interest Rates.

  • CIBIL Score

    CIBIL Score or Credit Score is the most important thing on your ICICI Bank Personal Loan Interest Rates. If you have high CIBIL Score that means your ICICI Bank Personal Loan Interest Rates will be low and if you have low CIBIL Score you’re ICICI Bank Personal Loan Interest Rates will be high. Your CIBIL Score depends on how you pay your personal loan. To make your CIBIL Score high you need to repay your personal loan on time. And you will get lower ICICI Bank Personal Loan Interest Rates.

  • Applicant’s Age

    The applicant’s age is one of the most important in ICICI Bank Personal Loan Interest Rates. The age group for personal loan eligibility is 21 to 60 years old. The younger you are there are much chance that you will have a lower ICICI Bank Personal Loan Interest Rates. You will even get offers if you are applying for a personal loan in younger age. Your ICICI Bank Personal Loan Interest Rates will be much lower on younger age.

  • Employment

    Your employment stability matters a lot on your ICICI Bank Personal Loan Interest Rates. If you are a salaried person your employer also matters as every financial institution have a company list and if your employer is in the CAT A list your ICICI Bank Personal Loan Interest Rates will be low. And if you are working there more than two years your ICICI Bank Personal Loan Interest Rates will be low. And if you are self-employed you must run your business at least for five years to have high personal loan eligibility. And if you are working with a top notch company you salary is also high and if you are in a high position that means you will have a bright career ahead so your ICICI Bank Personal Loan Interest Rates will be low.

  • Existing Debt

    If you are someone who has existing debt on his neck your ICICI Bank Personal Loan Interest Rates can be higher. As you are already paying EMIs on those and if you are taking a new one this can be your liability and you won’t get any loan if your existing loans has already consumed 40% your monthly income. So it is advisable if you have any existing personal loan you can transfer the balance with the new one and can take a top up loan so your ICICI Bank Personal Loan Interest Rates can be lower.

  • Geographic Location

    Geographical locations matters a lot on your ICICI Bank Personal Loan Interest Rates as if you are from metro city you will get lower ICICI Bank Personal Loan Interest Rates than someone from rural areas. Also some financial institution has red marked on some places so if you are from one of those places your ICICI Bank Personal Loan Interest Rates will be high.

  • Housing Situation

    If you have your own house there are maximum chances that your ICICI Bank Personal Loan Interest Rates will be low and your personal loan will be approved but if you are living in a rental house your ICICI Bank Personal Loan Interest Rates will be high as your monthly income gets lower for that.

*Interest rate and Loan approval are subjected to band discretion and approval.

FAQ's

The minimum ICICI Bank Personal Loan Interest Rates is 11.25%*f.
The processing fee for ICICI Bank Personal loan is 999 to 2.0% whichever is higher.
A person can borrow from Rs. 50,000 to Rs. 30 lakh from ICICI Bank.
The minimum CIBIL Score for ICICI Bank Personal Loan is 650.
ICICI Bank takes 3-5 days to approve a loan if you have all the correct documents.

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