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ICICI Bank Personal Loan

ICICI Bank | Personal Loan

ICICI बैंक लिमिटेड एक भारतीय बहुराष्ट्रीय बैंकिंग और वित्तीय सेवा कंपनी है जिसका मुख्यालय मुंबई, महाराष्ट्र में है और इसका पंजीकृत कार्यालय वडोदरा, गुजरात में है। 2018 तक, संपत्ति और बाजार पूंजीकरण के मामले में आईसीआईसीआई बैंक भारत का दूसरा सबसे बड़ा बैंक है।

Facility of part pre-payment is not available

Annual Percentage Rate (APR): 11.25%

Minimum & Maximum period for repayment (Loan Tenure): 60 months

Loan processing charges: 2.25 % + GST

Late Payment: 5% per annum of principal outstanding plus GST

Foreclosure Charges: 24 % p.a on amount outstanding from date of default

Partpayment Charges: Not allowed

Maximum Loan Amount: 30 lakh

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ICICI Bank Profile

Sector : Finance
Industry : Regional Banks

आईसीआईसीआई बैंक लिमिटेड बैंकिंग और वित्तीय सेवाओं के प्रावधान में संलग्न है, जिसमें खुदरा बैंकिंग, कॉर्पोरेट बैंकिंग और ट्रेजरी संचालन शामिल हैं। यह निम्नलिखित खंडों के माध्यम से संचालित होता है: खुदरा बैंकिंग, थोक बैंकिंग, खजाना, और अन्य बैंकिंग। रिटेल बैंकिंग सेगमेंट में बैंक के एक्सपोजर शामिल हैं, जो बेसल III ढांचे पर भारतीय रिजर्व बैंक के दिशानिर्देशों के अनुसार विनियामक खुदरा पोर्टफोलियो के चार योग्यता मानदंडों को पूरा करता है। होलसेल बैंकिंग सेगमेंट, बैंक, जो रिटेल बैंकिंग सेगमेंट में शामिल नहीं हैं, ट्रस्टों, साझेदारी फर्मों, कंपनियों और वैधानिक निकायों को सभी अग्रिमों से संबंधित है। ट्रेजरी सेगमेंट बैंक के संपूर्ण निवेश पोर्टफोलियो को संभालता है। अन्य बैंकिंग खंड में बैंक के किसी विशेष व्यवसाय खंड के लिए पट्टे पर परिचालन और अन्य वस्तुएं शामिल हैं। कंपनी की स्थापना 5 जनवरी, 1994 को हुई थी और इसका मुख्यालय भारत के मुंबई में है।

EMI Calculator

Loan EMI

\u20b9 1,24,797

Total Interest Payable

\u20b9 34,90,279

Total of Payments
(Principal + Interest)

\u20b9 59,90,279

Personal Loan
What is Personal Loan?

A Personal Loan is a form of unsecured loan availed by individuals on the basis of specific criteria, such as level of income, employment history, credit score, and scope for repayment.

The loan is usually taken for the fulfillment of personal needs from a banking institution or a non-banking financial company (NBFC). Borrowers can use online tools available at neutral financial websites, such as the Personal Loan EMI Calculator, to assess the interest payout throughout the tenure before applying for a personal loan.

ICICI Bank Loan Interest Rates

ICICI Bank ROI Max Loan Amount Tenure Processing Fee Late Payment Foreclosure Charges Partpayment Charges
Education Loan 11.5 % upto 50 lakh 5 to 10 years Nil Nil N/A Nil
Personal Loan 11.25% 30 lakh 60 months 2.25 % + GST 5% per annum of principal outstanding plus GST 24 % p.a on amount outstanding from date of default Not allowed
Home Loan 8.90% 10 cr 30 years 0.5-1% of the loan amount+applicable taxes Nil if floating, upto 2%+taxes for fixed rate 2% per month Home OD N/A
Car Loan 12.75 % 100% of ex-showroom price of the car upto 7 years 5% on the outstanding principle 5% on principal outstanding or interest outstanding for unexpired period of loan 2% per month on the outstanding installment 6% + GST on amounting getting part prepaid
Business Loan 16.49% 40 Lakh. 36 months upto 2% (plus applicable taxes) Charged upto 4% N/A N/A
Please Note*: The figures provided in the table above are indicative only and are subject to change from time to time.

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