ICICI Bank Personal Loan Eligibility

A Personal Loan eligibility calculator is a tool for assessing the maximum loan amount you can receive from ICICI Bank. It is calculated based on a few factors like income, tenure and existing financial obligations of the borrowers. So, the actual amount may differ from individual to individual.

Note: Individual CIBIL score may impact your chances of loan approval and amount offered.

Add a few parameters, such as your income, expenses, existing loans and tenure to find the maximum eligible loan amount.

Factors like your income, existing liabilities, credit score and repayment tenure determine your eligibility. Eligibility criteria are subject to change as per RBI guidelines and ICICI Bank policies.

To increase your eligibility, focus on improving your credit score by making timely bill payments and reducing existing debts. Showcasing a consistent income or having a co-applicant with a stable income can also positively impact your eligibility.

Yes, salaried applicants can get a Personal Loan from ICICI Bank with a minimum monthly salary of Rs 30,000. However, the minimum salary required may also differ depending on the applicant’s profile - nature of employment, employer, whether the employer has any relationship with ICICI Bank and so on.

Depending on your salary, credit score and employment status, you can get a Personal Loan starting from Rs 50,000 up to Rs 50 lakh, subject to ICICI Bank's internal policy. The amount is decided based on your age, income and other factors. This amount can also be increased depending on certain factors. Please visit ICICI Bank nearest branch or call on 1800 1080

Personal Loan foreclosure facility is extended to all customers availing a Personal Loan with ICICI Bank. Customers can foreclose their Personal Loan after the payment of at least one EMI. However, foreclosure charges (and taxes) will be applicable as per the service charges.

The bank first checks the Personal Loan eligibility of the applicant, and the final loan amount depends on the monthly income, repayment capacity, and employer profile. Stable jobs with fewer financial commitments often make you eligible for higher Personal Loans.

Yes, having a Salary Account with ICICI Bank may improve your Personal Loan eligibility. The bank already knows your income pattern, making approvals smoother, quicker, and often with better offers or rates.

If you already have ongoing loans or EMIs, the bank may reduce your eligibility. High debts show limited repayment capacity, so a lower loan amount may be approved.

Eligibility for a ₹10 lakh Personal Loan depends on income level, CIBIL score, and job stability. Check the important eligibility requirements by ICICI Bank here. 

The bank first checks the Personal Loan eligibility of the applicant, and the final loan amount depends on the monthly income, repayment capacity, and employer profile. Stable jobs with fewer financial commitments often make you eligible for higher Personal Loans.

Yes, having a Salary Account with ICICI Bank may improve your Personal Loan eligibility. The bank already knows your income pattern, making approvals smoother, quicker, and often with better offers or rates.

If you already have ongoing loans or EMIs, the bank may reduce your eligibility. High debts show limited repayment capacity, so a lower loan amount may be approved.

Eligibility for a ₹10 lakh Personal Loan depends on income level, CIBIL score, and job stability. Check the important eligibility requirements by ICICI Bank here.