Hello friends, welcome to our another postman in which we are going to talk about IDFC Bank, how you can take a personal loan through this bank and the personal loan that will be given to you by IDFC Bank is about ₹ 25,00,000, then you are requested to read this post of ours till the end so that if you want to take a personal loan from IDFC Bank, then you can get the smallest information that how you can take a loan from here. can.
Apart from the customers who are reducing their salary, ICICI Bank gives personal loans to both of them who are self-employed at an interest-only. We will tell you how to reduce the salary and self-employed can take a loan from ICICI Bank. We will also inform you in detail about what other documents you will need. We will tell you all that is the process through which you will get this personal loan.
After all, why take a personal loan from ICICI Bank?
- Friends, if you take a loan from ICICI Bank, then this company can give you a personal loan up to Rs 25 lakh, that too without any testimony. Yes, friends, if you take a loan from anywhere, then first of all you have to bring any testimony i.e. in that account, but in ICICI Bank, you do not need any such testimony.
- Secondly, friends, you would have got 12 months to 72 months to repay the loan here. 72 months means you are going to get up to 6 years from here.
Who can take a loan from ICICI Bank?
By the way, this loan is available for both salaried and self-employed. So let’s talk first of all for the salaried people-
- If you are a salaried person, then your age should be at least 23 years to 58 years.
- Those who want to take loan then their monthly salary should be ₹30,000.
- Where you work, you must have been working for the last two years.
- Apart from this, the place where you are living should be permanent for the last year.
- Apart from this, in whose name you want to take this loan, its civil score should be good, only then you will be able to get the loan from here.
Friends, before giving a bank loan here, it also checks whether you have already taken any loan if you have taken a loan since when have you taken it, and how much loan has been paid, all these bank checks. Along with this, the bank also checks that if you take a loan now, will you be able to repay it on time or not. So, friends, this is the eligibility process in which people work on salary.
Let us now talk about what should be the eligibility of those people who are self-employed and want to get an instant loan –
- If you are a self-employed person then your age should be at least 25 to 65 years.
- Also, here your annual turnover should be Rs 15 lakh, then only you will be able to get a personal loan.
- Along with this, the bank also checks your profit which should be more than two lakh rupees.
- Here your business stability will also be checked which should be of five years.
- Also, your account should be one year old.
Documents required For ICICI bank Personal Loan?
First of all, know that from which documents will the salaried people have to give –
- two passport size photographs
- Aadhar Card, Driving License, Voter Card, etc. as ID Proof
- For address proof, you can give your Aadhar card and PAN card.
- Also, friends, you also have to give the bank statement for the last three months here.
- Along with this, you will also have to give the salary slip for the last three months.
Now let’s talk about self-employed, what documents will they have to give-
- Aadhar Card, Driving License, Voter Card, etc. as ID Proof
- For address proof, you can give your Aadhar card and PAN card.
- You have to file income returns for the last two years.
- Also, friends, you also have to give the bank statement for the last three months here.
- Also, you have to give your office address
- Also, you have to tell how many years you have been doing less.
How much will be the interest and time?
Friends, you will get at least 10.50% interest per month on the amount you take a loan through this application. The amount of this interest depends on the amount of loan you take. Apart from this, the tenure rate of the amount you will take on the loan will be from 12 months to 72 months. This means that you will get 12 months to 72 months to return the amount you take on the loan, in other words, you will get one to five years to return this amount.