Personal Loan of
Rs. 1 lakh

For salaried individuals:

• Proof of identity: PAN Card or Aadhaar Card (any one)

• Latest Bank Statement of 3 months (where salary/income is credited)

• Salary slips of the last 3 months

• KYC documents: Proof of identity (Aadhaar Card, PAN Card), Address proof and Date of Birth proof

• Proof of residence: Leave and Licence Agreement/Utility Bill (not more than 3 months old)/Passport (any one)

• Income proof (audited financials for the last two years)

• Latest Bank Statement of 6 months

• Office address proof

• Proof of residence or office ownership

• Proof of continuity of business

• 2 passport size photographs

To qualify for an online Personal Loan, applicants must meet the following criteria:

• Profession: Salaried employees, self-employed professionals and non-professionals
• Age: 20 years to 58 years for salaried employees, 28 years to 65 years for self-employed professionals and 25 years to 65 years for doctors
• Income: Minimum Rs 30,000 for salaried individuals, minimum turnover of Rs 15 lakh for self-employed professionals and turnover of at least Rs 40 lakh for non-professionals
• Experience: At least two years of job experience for salaried applicants, at least five years for business owners and at least three years for doctors
• Duration in the Current Residence: At least one year
• Minimum Profit: At least Rs 2 lakh for self-employed individuals and proprietorship firms and Rs 1 lakh for non-professionals after tax.

ICICI Bank currently offers a Personal Loan at interest rates ranging from 10.65% to 16% per annum. The tenure ranges from 12 months to 84 months, providing flexibility in choosing a repayment period that aligns with their financial capacity. To find the most suitable repayment plan, please use the ICICI Bank Personal Loan EMI Calculator.