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Get Instant Funds with ICICI Bank Personal Loan

An ICICI Bank personal loan assists an individual in meeting their diverse financial requirements with instant personal loan online services, and one can easily avail of the funding within 3 seconds.

 

Types of ICICI Bank Personal Loan


Wedding Loans
Suppose a person requires urgent cash for wedding purposes such as venue booking, catering, jewelry, shopping, or guest accommodation. Then, it makes complete sense to opt for a wedding loan. Weddings are supposed to be enjoyed without any financial worries.
Home Renovation
To elevate the look of your abode, one can plan for vital repairs or get brand-new home furniture, furnishings, or fixtures intelligently. Turn up a house into an exquisite home with ICICI Bank Personal Loan.
Holiday Loan
Our dream vacations don't understand financial constraints and as they should. Now, taking out every vacation with ICICI bank loans is possible. Take your much-needed holiday and absorb new sights in far-away vistas. All travel expenses, i.e., flights, stay shopping, activities, and other bills, can now be paid instantaneously with personal loan funds.
Fresher Funding
Who says your first salary cannot make you eligible for a personal loan? It is possible with the ICICI Bank Fresher Funding Loan. Get up to Rs. 1,50,000 personal loan without any hassles.
NRI Personal Loan
NRIs can now take care of the expenses back home quickly with NRI personal loans. Some of the reasons why this has become one of the more popular types of personal loans are:

Apply for Personal Loan with Lowest Interest Guaranteed

Features & Benefits


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Required Documents

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Identity Proof

    Any of the following

    1. Passport
    2. Voter ID
    3. Driving License
    4. Aadhar Card (Mandatory)
    5. Pan card (Mandatory)
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Address Proof

    Any of the following

    1. Passport
    2. Utility Bill
    3. Aadhar Card
    4. Driving License

Other Docs

Mandatory

  1. Salary Slips ( Last 3 months)
  2. Salary A/c Bank statement ( Last 3 months)

Club Multiple Loans & Credit Cards Outstanding into Single EMI

Calculator

Calculate your Loan EMI in 3 easy steps. Use the slider to set your loan amount, interest rate and tenure to understand your loan summary

Loan Amount
Min ₹ 10,000 Max ₹ 50 L
Interest Rate
Min 6%Max 30%
Tenure up to
Min 1 year Max 7 years

Loan Summary

Loan
117,397

Loan Amount

100,000

Interest Payable

17,397

Monthly EMI

1,957

How to Apply

LoansJagat is a platform to offer ICICI Bank personal loan quickly and efficiently without having a difficult application process. Our aim is to offer a hassle-free process so that no one has to wait for their dream to become a possibility. Apply for a loan right away!
 

  • Scroll Up. Fill in the basic details about your name, number, and work profile.
     
  • Fill in your personal details. For example, your email, company name, and DOB.
     
  • Mention your credit score, PAN number, and salary-related information.
     
  • Compare the offers from 20+ banks and NBFCs before applying for loans.
     
  • Organise all the documents, like the Aadhaar Card, PAN Card, residential proof, KYC details, and past 3 months' bank account statement. Submit these documents when needed.
     
  • After successful document verification, your loan will be approved and money will be credited to your bank account.

Compare & Choose best Personal Loan among 20+ Banks & NBFCs now

Tips to Avoid Loan Rejection

The following guidelines assist in improving the chances of loan approval to avoid the possibility of rejection of icici bank personal loan.

1. CIBIL Score Above 650
You have a high chance of loan approval if your CIBIL score is more than 650. So, try to increase your credit score to match this number. You have a high chance of loan approval if your CIBIL score is more than 650. So, try to increase your credit score to match this number.
 

2. Lower Debt-To-Income Ratio
If you majorly depend on your credit card, even after spending your monthly income, then the chances of loan approval are low.


3. Clear Existing Debts

Try to stay clear of all the outstanding debt. If you repay your loans timely, then banks will prefer to lend more loans to you.


4. Provide Verified Information

Don’t lie about your information over the tele-verification process. If found not true with supporting documents, the chances of rejection increase.


5. Stable Employment

Try to have a stable job for at least 1 year before applying for a loan. This will help you have more chances of loan application approval.


6. Credit Report of Last 6 Months

When you are planning to apply for a loan, make sure that your credit history of the last 6 months is up to the mark.

7. Timely EMI Repayments

If you pay your loan EMI on the due date/month. Then your credit score will boost instantly. This will guarantee instant loan approval.


8. Don’t Engage in Paid Fantasy Gaming Apps

Avoid getting addicted to betting on paid fantasy gaming apps like Dream 11, Ludo, Poker, etc. Remember, there is no shortcut to long-term wealth.


9. Clean Salary Bank Account Statement

Do not engage in external transactions on major stockbroking platforms. Try to keep a clean transaction history of your salary bank account.


10. Average Bank Balance  

Investing in derivative products like Future and Options (F&O) trading is a very risky scenario if you are planning to avoid loan rejection.


11. Multiple F&O Transactions in the Stock Market

If you can retain 25% of your monthly income as savings in your bank account, then banks will prefer to approve your loan application.