ICICI Bank Personal Loan in Guwahati

Last Updated : Aug. 30, 2018, 3:36 p.m.

About ICICI Bank Personal loan in Guwahati

There is a bank in India which has created a special place in the hearts of the people because of its efficient products and services. That bank is known as ICICI bank. The bank that was instituted in 1994, is headquartered in the city of dreams Mumbai. The bank has brought a smile on the faces of many people in the country. It offers a personal loan to the customers based in Guwahati. Guwahati is a prime city of Assam and is witnessing the development of several small scale industries. People in the city can now turn their dreams into reality by availing an ICICI bank personal loan. The loan is a blessing in disguise for people who wish to send their children to abroad for higher education or those who want to go on a foreign trip to their favorite place. The loan can also be used to renovate the house as well as medical treatment. ICICI bank has established more than ten branches here so that the delivery of products is completed on time.

ICICI Bank Personal loan in Guwahati at a glance

Check out the essential details about ICICI Bank Personal loan in Guwahati here.

Apply Personal Loan @ 10.75%* Rate

Eligibility criteria

The eligibility norms for an ICICI Bank Personal loan Guwahati have been given below. Check them out to see if you are eligible or not.

For Salaried employees:

• The applicant must fall in the age group of 23 to 58 years. This clearly means it is mandatory to have attained the age of 23 in order to avail a personal loan.
• The applicant should be living in his/her present residence for a period of at least one year
• The applicant must earn a stable income if he/she wishes to obtain a personal loan. The minimum salary every month should be ₹ 17,500. In case, the person lives in either Mumbai or New Delhi, then he/she needs to earn at least ₹ 25,000 each month. Those who reside in Pune, Kolkata, Hyderabad, Chennai and Bengaluru are supposed to earn at least ₹ 20,000 each month.
• He/she should be working in their current profession or job for a period of at least two years.

Self-employed individuals:

• The applicant should fall in the age bracket of 28 to 65 years. The loan needs to be fully repaid before the applicant completes 65 years of age. The bank has imposed the minimum age as 25 years for doctors.
• A business stability of a minimum of five years is required for self-employed individuals. Doctors should be employed in their profession for a minimum period of three years.
• A minimum turnover is compulsory to get a personal loan from the bank. For non- professionals, the turnover must be at least ₹ 40 lakhs and for professionals, it should be at least ₹15 Lakhs.
• A minimum profit after tax is also required for a hassle free disbursal of your loan. It must be ₹ 1 Lakh for non-professionals and ₹ 2 Lakhs for self-employed professionals or any partnership firm.
• A liability (savings or current account) relationship or an asset (loan) relationship must be there with the bank. The applicant must have such relationship for a minimum of one year for an account that is either opened or closed in the last three years.

Documents required

The list of important documents has been given below-

Salaried individuals:

• Identity Proof- PAN card/ Voter ID card/ Passport/ Driving License
• Two Photographs of passport size
• Proof of Address- Leave and License agreement/ Passport/ Telephone bill/ Water bill/Electricity bill
• Bank statement of the last three months, where the applicant’s salary is being credited
• Salary slips of the previous three months

Self-employed individuals:

• Proof of Address- Leave and License agreement/ Passport/ Telephone bill/ Water bill/Electricity bill Age Proof- Birth certificate/ High school marksheet/ Passport
• Bank statement of the previous six months
• Proof of office address
• Identity Proof- PAN card/ Voter ID card/ Passport/ Driving License
• Proof of continuity of the business
• Income tax returns of the last two years
• Proof of ownership of office
• Audited Balance Sheet plus Profit & Loss account

For additional details, please refer to Personal Loan Guwahati .

Address of ICICI Bank branches in Guwahati

The list of ICICI Bank branches in Guwahati has been mentioned below along with their addresses, IFSC and MICR codes.