ICICI Bank Personal Loan in Gurgaon

Unique Benefits for Applicants.

Apply For Personal Loan with ICICI Bank

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ICICI Bank Personal Loan in Gurgaon.
If you live in Gurgaon and need money for your dream wedding, family vacation or home renovation, you can quickly get an Instant ICICI Bank Personal Loan. The facility is also available for emergencies, medical expenses and debt consolidation.

Your Ready Reckoner For an ICICI Instant Personal Loan.

Minimum Income Credited To The Salary A/C 30k+
Age of Applicant 23 years to 58 years
Vintage of Employment Minimum of 12 months
Employment Type Salaried/Professionals
Personal Loan Amount Disbursed ₹1 Lakhs to ₹ 40 Lakhs
Rate of Interest @reducing balance 10.5% - 13%
Processing Fees as Per Loan Amount. Nil to 2.5%
Tenure Applicable From 12 to 60 months
Significant Features of The ICICI Bank Personal Loan in Gurgaon.
The ICICI Bank issues a Personal To Salaried Customers
  • As per the eligibility criteria, the personal Loan amounts issued by ICICI Bank are from 50k to a maximum of ₹ 40 Lakhs.
  • The tenure applicable for the repayment of the Loan is from 12 to 60 months.
  • ICICI Bank charges an Interest Rate from 10.99%-18% at a monthly reducing balance.
  • The Applicant can repay the Loan conveniently via monthly instalments for the tenure sanctioned.
  • The ICICI Bank issues Personal Loans to Employees of Listed and Non listed Companies.
  • The ICICI Bank provides an instant online Personal Loan with a disbursal in 72 hours.
What Eligibility Criteria are Required For an ICICI Personal Loan in Gurgaon?
  • The ICICI Bank issues Personal Loans to all citizens of India.
  • The Applicant must be at least 21 years to be eligible for the Loan. The borrower can repay the Loan till the age of 62.
  • To apply ICICI Personal loan in Gurgaon an applicant must have the educational qualification of graduation or above.
  • Monthly earnings of 30,000/- and above must reflect in the salary account of the customer.
  • The ICICI Bank require a work experience of 24 months or more to apply ICICI personal loan in Gurgaon.
  • Applicants with a credit history must have a CIBIL Score of 720 points and above to apply ICICI Bank personal loan in Gurgaon.
What are the Benefits of a Personal Loan from ICICI Bank?
Unsecured Loan
Quick and Convenient
Flexible Usage
Fixed Terms
Online Process
Minimal Documentation
Personal Loan Types From ICICI Bank
Apply for ICICI Personal Loan in Gurgaon as:
  • ICICI Bank Personal Loan in Gurgaon.

    ICICI Bank offers unsecured funds to salaried customers, providing a convenient solution to fulfil personal needs and emergency requirements. Customers can apply for Apply ICICI Personal Loan In Gurgaon online or with hard copies.

  • ICICI Top Up Personal Loan in Gurgaon.

    You can breathe easily with an ICICI Bank Personal Loan Top-Up in Gurgaon. If you have a pre-existing personal loan, you can get funds instantly with just a few essential documents, ensuring your financial needs are met without any delay.

  • ICICI Bank Parallel Personal loan in Gurgaon.

    ICICI Bank Personal loan holders who need funds can apply to ICICI Bank for a parallel loan. This loan will be independent of the existing loan and will be issued as per the current terms and conditions.

  • ICICI Personal Loan Balance Transfer in Gurgaon.

    Take full advantage of your existing personal loan with ICICI's exclusive balance transfer personal loan in Gurgaon. This service lets you transfer your loan instantly, providing a new loan with unique benefits.

Simple Steps To a Personal Loan
An ICICI Instant Personal Loan in Gurgaon makes funds available when you need them most. An Applicant can digitally Apply ICICI Personal Loan Online in Gurgaon or give hard copies of documents. A streamlined process is enabled to issue funds in 72 hours.
  • Fill in the Application form and submit the required documents.
  • Complete the KYC verification process online.
  • The ICICI Bank raises a CIBIL query to check your credit history.
  • The Bank conducts verification at the residence and office premises.
  • The Underwriter confirms the decision, and the loan amount is approved.
  • The applicant is informed about the ICICI Bank loan terms and conditions before transferring the loan amount to the applicant's salary account.
Personal Loan Charges for ICICI Personal Loan in Gurgaon
Salary Interest Processing Fees Foreclosure Charges
50,000 - 75,000 10.99% 999/- 5%
35,000 - 50,000 11.99% 4000/- 5%
20,000 - 35,000 12.75% 6999/- 5%
Loan amount above ₹ ten lakhs 10.89% 999/- NIL
Documents required to apply ICICI Bank Personal loan in Gurgaon.
KYC Documents
Proof of Identity - Passport / Driving License / Voters ID (anyone)
Proof of Residence - Leave and License Agreement / Utility Bill (not more than 3 months old) / Passport (anyone)
Aadhaar Card Copy
2 Passport Size photographs
For Income Proof
Pan Card Copy
Latest 3 months' Bank Statement (where salary/income is credited)
Salary slips for the last 3 months
Form 16 (latest)
  • What is a Personal Loan from ICICI Bank?
  • A Personal loan from ICICI bank is funds issued as a Loan to an applicant solely on the basis of the profile and documents provided therein without any security or guarantees.

  • For what purpose can a Personal Loan be used?
  • Funds received via a Personal Loan are meant for personal usages only and not for investment or business purpose.

  • Can the applicant get the Loan amount desired from ICICI Bank?
  • The Loan amount issued to an applicant is as per the eligibility criterion of ICICI Bank, keeping in mind the income and obligations.

  • Will the ICICI Bank check the CIBIL rating before issuing a Personal loan?
  • A CIBIL enquiry is mandatory before further processing of a Personal loan request from ICICI Bank. The CIBIL rating and history will be checked.

  • Will ICICI Bank consider a Personal loan request if the CIBIL score is below the desired rating?
  • The Bank might consider approving some amount if the repayment history of the applicant has one odd hiccup and has other good repayment tracks.

  • Can an applicant re apply for a personal loan to ICICI if a request has been previously denied?
  • The applicant can re apply for a Personal Loan a month after the request has been rejected: it is prudent to assess the reason before reapplying.

  • Is it mandatory to have an account with ICICI Bank to receive a Personal Loan?
  • A salary account with any registered Bank is needed, it is not necessary to have an account with ICICI Bank to apply for a Personal Loan.

  • Can individuals employed with companies not featuring in the ICICI Bank List apply for Loan?
  • If the profile of the applicant and the company meets the eligibility criteria of ICICI Bank the applicant is eligible to apply.

  • What is the time taken to achieve funds via a Personal Loan from ICICI Bank?
  • The time taken to process a Personal loan from ICICI Bank is 3 to 5 working days, from the time the documents are submitted till the Loan amount is disbursed.

  • Do ICICI Bank account holders need to submit documentation when applying for a Personal Loan?
  • The income documents with an updated KYC are required by the Bank to calculate the eligibility of the applicant, the Bank statement of ICICI account holders need not be submitted.

  • Is it mandatory to sign all the documents when applying for a Personal loan from ICICI Bank?
  • It is always a good practise to sign the application form, self attest and verify all the documents submitted to avoid undue delays in processing your Personal loan.

  • How will I know the Loan amount approved and the terms and conditions of the Personal Loan?
  • The terms and conditions of the Personal Loan will be mentioned in the Personal loan agreement to be signed post approval of the Personal Loan.

  • How will the approved Loan amount be disbursed?
  • Once the terms and conditions are accepted and the agreement signed, the loan amount will be transferred to the applicants account via ECS.

  • How is the EMI instated paid to ICICI Bank?
  • The monthly installment will be deducted from the Bank account of the applicant on a predetermined date of every month as per the Tenure applied.

  • Is an applicant required to physically visit the Bank before receiving funds as a Personal Loan?
  • Apply with us www.yourloanadvisors.com in the comfort of your own premises we ensure you the Doorstep delivery of your Personal Loan.

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