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ICICI Personal Loan of 1 Lakh
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The ICICI Bank personal loan of 1 lakh is among the most reliable and sought-after personal loans in India. While it offers ready financial assistance, borrowers can repay the loan in easy Equated Monthly Installments (EMIs).
A personal loan of 1 lakh’s EMIs has an inverse relationship with loan tenure. The higher the tenure, the smaller the monthly repayments. Coupled with interest rates, the two factors strongly influence loan EMIs. Stay tuned to find the monthly EMIs applicable on the loan for up to 7 years.
ICICI Bank 1 Lakh Personal Loan – Highlights
Before moving on to the ICICI Bank’s personal loan 1 lakh EMI, here is a quick overview of the loan.
Loan Amount | 1 lakh |
Maximum Loan Tenure | Up to 7 years |
Rate of Interest (p.a.) | 10.50%-16.00% p.a. |
Type of Interest Rate | Fixed Interest Rate |
Collateral Requirement | NIL |
1 Lakh Personal Loan EMI for Up to 7 Years
Let’s consider the lowest 1 lakh loan interest rate the bank offers on its personal loans, i.e. 10.50% p.a. Here is an overview of the payable EMIs on the loan for up to 7 years.
Loan Tenure | Loan Amount | Interest Rate (p.a.) | EMI |
1 Year | 1 lakh | 10.50% | ₹8,815 |
2 Years | 1 lakh | 10.50% | ₹4,638 |
3 Years | 1 lakh | 10.50% | ₹3.250 |
4 Years | 1 lakh | 10.50% | ₹2,560 |
5 Years | 1 lakh | 10.50% | ₹2,149 |
6 Years | 1 lakh | 10.50% | ₹1,878 |
7 Years | 1 lakh | 10.50% | ₹1,686 |
Comparing ICICI Bank 1 Lakh Personal Loan
Find out how the ICICI Bank personal loan of 1 lakh compares with other banks and Non-banking Financial Companies (NBFCs.)
Bank Name | Interest Rate (p.a.) | Maximum Loan Tenure |
Bank of India | 10.25% onwards | 7 years |
Axis Bank | 10.49% onwards | 7 years |
State Bank of India | 10.55% onwards | 6 years |
L&T Finance | 12% onwards | 4 years |
KreditBee | 16% onwards | 2 years |
ICICI Bank 1 Lakh Personal Loan – Fees and Charges
The following charges apply to an ICICI Bank personal loan of 1 lakh.
- A processing fee of 2.50% of the loan amount plus GST
- An 18% Goods and Services Tax (GST) on all bank service
- Other charges like loan cancellation charges and prepayment charges may also be applicable.
1 Lakh ICICI Bank Personal Loan – Documents Required
The complete list of 1 lakh personal loan documents of ICICI Bank is given below.
- Loan application form with 2 passport-size photographs
- Identity Proof: Aadhar Card/ Voter’s ID/ Driver’s License/ PAN Card
- Proof of Residence: 3 months utility bills/ Passport/ Leave and License Agreement
- Income Proof: Bank Statements of the last 3 months/ 3 months’ salary slips/ Balance Sheet and P&L account.
1 Lakh ICICI Bank Personal Loan – Eligibility Criteria
The 1 lakh personal loan eligibility for ICICI Bank is as follows:
- Eligible Candidates: Salaried/ Self-employed
- Age: 20-65 years
- Minimum Income/ Turnover: ₹30,000 per month/ ₹15-40 lakhs per annum
- Work Experience: 2 years in current job/ 5 years in current business
- Number of years in current residence: 1 year
- High credit ratings
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