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Personal Loan Eligibility
ICICI Bank offers Personal Loan to salaried individuals. You may quickly check your Personal Loan eligibility criteria if you are an existing ICICI Bank customer. Personal Loan eligibility for a Pre-approved Personal Loan can be checked through the iMobile Pay app and/or Net Banking platform.
Criteria* | Salaried |
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Age | 23 years - 58 years. |
Net Salary** | Salaried individuals with minimum monthly income Rs.30,000 |
Total years in job/profession | 2 Years |
Years in current residence | 1 Year |
**The minimum salary requirement will differ depending on the profile (Type of employer, having relationship with ICICI Bank etc.) of the customer.
Criteria* | Self Employed |
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Age | 28 years (self employed individuals) and 25 years (for doctors); Maximum age - 65 years |
Minimum Turnover | Rs. 40 lakh for non-professionals; Rs. 15 lac for professionals; as per audited financials |
Minimum Profit After Tax | Rs. 2 lac for Proprietorship Firm/Self employed Individuals and Rs. 1 lac for non-professionals as per audited financials |
Business Stability | In current business for at least 5 years and minimum 3 years for doctors |
Existing relationship with ICICI Bank | Minimum 1 year liability relationship (current or savings account) or Asset relationship (loan) either live or closed in the last 36 months; repayment track as required |
Note:
* Conditions apply
ICICI Bank provides Personal Loans to self employed individuals under Business Installment Loan