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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.
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:
Features & Benefits
Required Documents
Identity Proof
Any of the following
Address Proof
Any of the following
Other Docs
Mandatory
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 Summary
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!
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.