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Personal Loan Documents

ICICI Bank makes your loan process seamless with the minimal documents required for a Personal Loan. Our Personal Loan documentation includes an ID proof, an address proof, and a bank statement or a salary slip. For self-employed applicants, the documents required may differ. Be sure to check the documents needed before applying for Personal Loan.

 

 

APPLY PERSONAL LOAN

List of documents for Salaried

 

  • Proof of Identity and residence: Passport/Driving Licence/Voter ID/Job card issued by NREGA/Letter from National Population Register/ Proof of possession of complete Aadhaar number (Any One)
 
  • Latest 3 months Bank Statement (where salary/income is credited)
 
  • Salary slips for last 1 month
 
  • Passport Size photographs

 

 

Go Green Initiative

As part of the ‘Go Green’ initiative - an endeavor to reduce use of paper and make our contribution to this noble cause, the below mentioned documents related to your Personal Loans will be sent on your e-mail ID registered with us, with effect from February 05, 2017.

 

  • No Due Certificate

  • Refund Letter

  • Pending Dues Letter

 

Also, we wish to inform you that if your e-mail ID is not available, communication will be sent through physical letters.

If your e-mail ID is not registered with us, we request you to visit your nearest loan servicing branch or call our Customer Care and update your e-mail ID.

 

 

Note

For personal loan, Aadhaar and PAN details are mandatory for applicants and co-applicants (wherever applicable).

 

 

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List of documents for Self-Employed

 

  • Proof of Identity and residence: Passport/Driving Licence/Voter ID/Job card issued by NREGA/Letter from National Population Register/ Proof of possession of complete Aadhaar number (Any One)
 
  • Income proof (audited financials for the last two years)
 
  • Latest 6 months Bank Statement
 
  • Office address proof
 
  • Proof of residence or office ownership
 
  • Proof of continuity of business

 

*Conditions apply

 

*ICICI Bank reserves the rights to call upon additional documents at its discretion.

FAQs

Can I foreclose or prepay my Personal Loan?

Yes, you can prepay the entire loan outstanding anytime during the loan tenure after 12 instalments, subject to payment of standard pre-closure charges of 3% + GST.

Part prepayment is allowed. For prepayment of your Personal Loan, please visit the nearest ICICI Bank branch. We request you to carry the following documents to complete the process:

  • Request letter signed by the loan applicant
  • PAN Card (if the mode of payment is cash and the amount is more than Rs 50,000)
  • Payment can be made through cash, cheque or demand draft.

What is the procedure to prepay my Personal Loan?

For prepayment of your Personal Loan, please visit the nearest ICICI Bank Asset Servicing Branch. We request you to carry the following documents to complete the process:

  • Request Letter signed by the loan applicant
  • PAN Card (if the mode of payment is cash and the amount is more than Rs 50,000)
  • Payment can be made through cash, cheque or demand draft.

How much time will it take for my loan to be approved for Personal Loan?

Loans are approved within 48 hours* of submission of complete documentation.

How do I repay the Personal loan?

You can repay the loan in Equated Monthly Instalments (EMIs). If you have an ICICI Bank Account, you can mandate us to directly debit the same through auto debit mandate or if you have an alternate bank account, then through NACH mandate.

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