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CreditMantri Finserve Private Limited
CreditMantri Finserve Private Limited Unit No. B2, No 769, Phase-1, Lower Ground Floor, Spencer Plaza, Anna Salai, Chennai - 600002
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Get ICICI Bank personal loans at attractive interest rates of 10.75% to 19%. Huge loan amounts up to Rs. 50 Lakhs. Comfortable repayment tenures between 1 to 6 years. Processing fees of up to 2.50% of the loan amount.
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Processing Fee
999₹*
Max Tenure
5 yrs*
Best Rate
11.49%*
| Interest Rate | 10.75% to 19% per annum |
| Loan Amount | Upto Rs. 50 Lakhs |
| Tenure | 1 to 6 years |
| Minimum Monthly Salary | Rs. 30,000 |
| Processing Fees | Up to 2.50% of the loan amount |
| Lender | Interest Rates | Processing Fees |
|---|---|---|
| ICICI | 10.75% onwards | Up to 2.50% |
| HDFC | 11.00% onwards | Up to 2.50% |
| SBI | 10.30%-15.10% | Up to 1.50% |
| Citibank | 9.99% p.a. To 16.49% p.a. | 0.25% to 3.00% |
| Axis | 10.25% onwards | 1.5% to 2% |
| IndusInd | 11.00% | 2.5% onwards |
| Yes Bank | 10.99% per annum onwards | 2.50% (one-time fee) |
| Shriram City | 11.49% p.a. To 23% p.a. | 2.50% |
| Criteria | Salaried | Self-Employed |
|---|---|---|
| Age | 23 to 58 years | 23 to 65 years, 25 to 65 years for doctors |
| Net Salary | Minimum monthly income of Rs. 30,000 | Rs. 15 Lakhs for professionals and Rs. 40 Lakhs for individuals who are non-professionals (as per audited financials) |
| Total Work Experience/Business Stability | At least 2 years | 5 years for current business and at least 3 years for doctors. |
| Total Years in Current Residence | At least 1 year | At least 1 year |
| Existing Relationship with ICICI Bank | A minimum of 1 year liability relationship/asset relationship either running or closed in the last 3 year | A minimum of 1 year liability relationship/asset relationship either running or closed in the last 3 years |
Salaried:
| Document Category | Required Documents |
|---|---|
| ID Proof | Either of the following:
|
| Address Proof | Either of the following
|
| Photographs | 2 passport size |
Self-Employed:
| Document Category | Required Documents |
|---|---|
| KYC Documents | Either one of the following:
|
| Residence proof | Either one of the following:
|
| Income Proof | Any document for income |
| Business Proof |
|
| Income Proof |
|
In addition to the above documents, produce all other documents required by the bank.
| Interest rates and fees | 10.75% onwards |
| Processing Fee | Up to 2.50% of loan amount +GST |
| Prepayment Charges | 5% on outstanding principal + GST Nil, if the loan is closed using one’s own funds (For MSME classified borrowers). Any waiver on prepayment charges are applicable if the borrower has paid at least 12 EMIs |
| Loan Cancellation Charges | Rs. 3000 + GST |
| Penal Interest | 24% per annum |
| EMI Bounce Charges | Rs. 400 per bounce + GST |
| Repayment Mode Swap Charges | Rs. 500 per transaction + GST |
Before you apply for an ICICI bank personal loan, you can know more about it on the CreditMantri website.
1) On the official website of the bank, click ‘Apply for personal loan now’
2) Enter the loan amount and the tenure
3) Click on ‘Let’s Get Started’.
4) Enter your contact phone number, registered email id, and PAN
5) Check the consent box and you will receive an OTP on your registered mobile.
6) Enter the details asked
7) Upload the necessary documents
8) Submit the application.
You can also apply for ICICI Personal Loan offline by going to the nearest ICICI Bank branch. Thereafter, fill out the personal loan application and submit it.
Some of the features and benefits of ICICI Bank Personal loans are as follows:
The various types of ICICI Bank personal loans available are as follows:
ICICI Bank thus gives personal loans with attractive interest rates, minimal documentation, and easy eligibility criteria. Apply for an ICICI Bank personal loan with CreditMantri and experience the joy of fulfilling your dreams.
1.What are the minimum and maximum loan amounts?
You can avail of loans ranging from Rs. 50,000 to Rs. 40,00,000. The approval of the loan amount depends on various parameters like your income, credit history, repayment patterns and capacity, your eligibility among various other factors.
2.What are the tenures available?
You can choose from tenures ranging from 12 months to 60 months.
3. I need a personal loan as soon as possible. How much time will it take for my loan to get approved?
If you are found eligible, loans are approved within 72 hours of submission of completed application with the required documentation.
4. Do I have to pledge any collateral in order to secure a personal loan?
No collateral or security is required for obtaining ICICI Bank Personal Loan.
5. I want to prepay my loan. Is it possible, and if so, what are the charges?
Once you have paid 6 instalments, you can prepay the entire loan outstanding. Prepayment charges are 5% of the outstanding loan amount. No part prepayment is allowed.
6. Can I repay the ICICI Bank personal loan early?
Yes. You can foreclose your personal loan by paying the applicable pre-closure charges after you complete six equated monthly installments. At the present, the applicable pre-closure charge is 5% of the outstanding loan amount including the applicable tax.
7. Can I close the ICICI Bank personal loan online?
You cannot pre-close personal loans online therefore, you are required to visit the nearest branch of the bank, where you can pre-close your loan. You can reach the bank through the customer care number.
8. How can I check the balance of my ICICI personal loan?
Go to the official website of ICICI Bank. Log in to your personal loan account by entering the customer ID and password. Click on 'View statement'. You can also download the loan statement for future reference.
CreditMantri will never ask you to make a payment anywhere outside the secure CreditMantri website. DO NOT make payment to any other bank account or wallet or divulge your bank/card details to fraudsters and imposters claiming to be operating on our behalf. We do not sell any loans on our own and do not charge any fee from our customers/viewers for the purpose of loan application