Personal Loan Interest Rates – 11.25% to 22.00% per annum
Age – 28 years (self-employed individuals) and 25 years (for doctors); Maximum age – 65 years
Minimum Turnover – Rs. 40 lakhs for non-professionals; Rs. 15 lacs for professionals; as per audited financials
Minimum Profit After Tax – Rs. 2 lacs for Proprietorship Firm/Self-employed Individuals and Rs. 1 lac for non-professionals as per audited financials
Business Stability – In current business for at least 5 years and a minimum of 3 years for doctors
Existing relationship with ICICI Bank – Minimum 1-year liability relationship (current or savings account) or Asset relationship (loan) either live or closed in the last 36 months; repayment track as required
tenure from 12 to 60 months
Salaried individuals with a minimum monthly income of Rs.40000