Personal Loan Facilities at ICICI Bank Strengthening Monetary Structure

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Personal Loan Facilities at ICICI Bank Strengthening Monetary Structure

Personal Loan refers to the amount of money which can be taken from the private commercial banking sector organizations without the deposit of any collateral security. It is one form of unsecured loan that the interested borrower can avail after the submission of personal documents like age proof certificates and income proof documents explaining to the bank that the customer or the borrower of the loan is capable of paying back the loan. Indian Overseas Bank Personal Loan is a prime example of the personal loan facilities offered by the private financing commercial banking sector organizations. 

The benefits offered by ICICI Personal Loan include low and attractive rates of interest. The rate of interest is calculated based on the functioning of the Personal Loan Calculator. Personal Loan Calculator refers to the instrument that is used to measure the quantum of interest that is required to be paid while availing the loan facility. In addition to this, the ICICI Personal Loan also offers the option of reliability and stability through submission of documents that can help track the viability of the exchange transactions of the interested borrower. It also helps the bank identify if there is any discrepancy in the process of loan disbursal and helps in eradicating default errors. Moreover, ICICI Personal Loan also offers the facility of flexible tenure like a period of 1 month to 60 months so that the consumer can get the opportunity of repaying the amount in easy instalments. The rate of interest is 11.25% p.a. 

The minimum eligibility for availing the loan facility from ICICI Bank ensures that the borrower is a minimum of 23 years of age. The maximum feasible age limit of taking the loan is around 58 years. Additionally, the interested borrower must have a monthly income of 30,000. This proves that the interested borrower has the capability of repaying the loan amount in easy instalments. 



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