ICICI Bank, established in 1994, stands as one of India's premier private sector banks, offering a comprehensive suite of financial products and services to cater to the diverse needs of its customers. Renowned for its customer-centric approach and innovative banking solutions, ICICI Bank has consistently maintained a strong presence in the financial sector.

What Sets ICICI Bank Apart

• Diverse Product Portfolio: ICICI Bank provides a wide array of financial solutions, including loans, credit cards, savings accounts, and investment options, tailored to meet various customer requirements.

• Technological Innovation: The bank leverages advanced technology to offer seamless digital banking experiences, ensuring convenience and security for its customers.

• Customer-Centric Services: With a focus on personalized banking, ICICI Bank strives to understand and address the unique financial needs of each customer.

Personal Loans Overview

ICICI Bank's Personal Loans are designed to provide financial assistance for various personal needs, such as weddings, vacations, or home renovations.

• Minimum Income Requirement: ₹30,000 per month for salaried individuals.

• Loan Amount: ₹50,000 to ₹50 lakh.

• Loan Tenure: 12 to 72 months.

• Age Limit: 23 to 58 years for salaried individuals.

• Minimum CIBIL Score: While ICICI Bank has not publicly disclosed a specific minimum CIBIL score requirement, a score of 750 and above is generally considered favorable for loan approval.

Home Loans Overview

ICICI Bank's Home Loans are structured to assist customers in purchasing their dream homes with ease.

• Minimum Income Requirement: Varies based on loan amount and applicant profile; specific criteria are not publicly disclosed.

• Loan Amount: Up to ₹10 crore, depending on eligibility and property value.

• Loan Tenure: Up to 30 years.

• Age Limit: 21 to 65 years at the time of loan maturity.

• Minimum CIBIL Score: A score of 750 or above is generally preferred for favorable terms.

Mortgage Loans (Loan Against Property) Overview

ICICI Bank's Loan Against Property allows customers to unlock the value of their property to meet various financial needs.

• Minimum Income Requirement: Varies; specific criteria are not publicly disclosed.

• Loan Amount: Up to ₹5 crore, based on property value and repayment capacity.

• Loan Tenure: Up to 15 years.

• Age Limit: 21 to 65 years at the time of loan maturity.

• Minimum CIBIL Score: A score of 700 or above is generally preferred.

New Car Loans Overview

ICICI Bank offers New Car Loans to facilitate the purchase of new vehicles with flexible terms.

• Minimum Income Requirement: ₹20,000 per month for salaried individuals.

• Loan Amount: Up to 100% of the on-road price of the car, subject to eligibility.

• Loan Tenure: 12 to 84 months.

• Age Limit: 21 to 70 years at the time of loan maturity.

• Minimum CIBIL Score: A score of 700 or above is generally preferred.

Used Car Loans Overview

ICICI Bank's Used Car Loans are designed to assist customers in purchasing pre-owned vehicles.

• Minimum Income Requirement: ₹20,000 per month for salaried individuals.

• Loan Amount: Up to 80% of the car's valuation.

• Loan Tenure: 12 to 60 months.

• Age Limit: 21 to 70 years at the time of loan maturity.

• Minimum CIBIL Score: A score of 700 or above is generally preferred.

Business Loans Overview

ICICI Bank's Business Loans cater to the financial requirements of businesses for expansion, working capital, or other needs.

• Minimum Income Requirement: Varies based on business profile and loan amount; specific criteria are not publicly disclosed.

• Loan Amount: ₹50,000 to ₹2 crore, depending on eligibility.

• Loan Tenure: 12 to 84 months.

• Age Limit: 21 to 65 years at the time of loan maturity.

• Minimum CIBIL Score: A score of 750 or above is generally preferred.

Educational Loans Overview

ICICI Bank's Education Loans are structured to support students in pursuing higher education in India and abroad.

• Minimum Income Requirement: No specific requirement; co-applicant's income and financial stability are considered.

• Loan Amount: Up to ₹1 crore for studies abroad and up to ₹50 lakh for studies in India.

• Loan Tenure: Up to 10 years, excluding the moratorium period.

• Age Limit: 18 to 35 years for the student applicant.

• Minimum CIBIL Score: A score of 700 or above is generally preferred.