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Personal Loan

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Eligibility Criteria for Privilege Banking Customers

Particulars	Salaried Individual	Self-Employed Individual	Partnership Firm	Private / Public Ltd Co
Age Criteria*	The applicant should be above 25 years old at the time of application, and upto 58 years of age at the time of maturity of the loan.	Any proprietor, partner, professional or director above 28 years but below 65 years at the time of the loan maturity.	-	Limited companies should have been in existence for at least 3 years.
Income Criteria*	Gross annual income of at least Rs. 2.50 lakhs.	Gross annual income of at least Rs. 2.00 lakhs.	Firm should have a minimum PAT (profit after tax) of Rs. 2.00 lakhs.	Minimum PAT (profit after tax) of Rs. 2.00 lakhs.
Stability	The total employment stability should be more than 2 years and current employment stability of minimum 1 year.	Business stability should be more than 3 years.	Business stability should be more than 3 years.	Business stability should be more than 3 years.

* Conditions apply

Documentation

Income proof
- Salaried individuals
  Latest Salary Slip and 2 years Form 16/ Income tax returns.
- Self-Employed individuals
  Income Tax Returns of 2 previous financial years.
- Partnership Firms, Societies & Companies
  Income Tax returns of 2 previous financial years along with complete financial/audit report.
Documents supporting customer information
Identity Proof, Signature Proof and Address Proofs as per ICICI Bank norms (Our representative will help you choose suitable documents).

Other documents
- Partnership Firms: Partnership deed and Letter signed by all partners authorising one partner to execute the required Car Loans documentation.
- Societies and Companies: Resolution by Board of Directors (or such managing body) & Memorandum & Articles of Association (or Society/Trust deed).
- Our representative will help you with the formats of documents and the information required.