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  • Calculate your Personal Loan EMIs

Planning for your Personal Loan in Kolkata has never been more convenient. Use ICICI Bank’s Personal Loan EMI Calculator to estimate your monthly instalments quickly. Simply input the loan amount, interest rate, preferred tenure and the calculator would provide a transparent breakdown of your EMIs.

Features and Benefits of Personal Loans in Kolkata

Loan Amount up to Rs 50 lakh

Loan Amount up to Rs 50 lakh

Avail up to Rs 50 lakh, offering a versatile solution for various financial needs, whether it is for home renovation, wedding expenses or debt consolidation.

No Security/Guarantor required

No Security/Guarantor required

Enjoy the convenience of ICICI Bank’s unsecured Personal Loan, eliminating the need for collateral or a guarantor. This streamlines the process, making it hassle-free.

Faster Processing

Faster Processing

Experience swift approval and disbursement, ensuring you receive the funds without unnecessary delays.

Minimum Documentation

Minimum Documentation

ICICI Bank understands the value of your time, so a Personal Loan in Kolkata requires minimal documentation for a convenient application process.

Attractive interest rate

Attractive interest rate

Benefit from competitive interest rates that ensure manageable and cost-effective repayments.

Flexible Repayment Options

Flexible Repayment Options

Choose a repayment tenure that aligns with your unique financial situation, ranging from 12 to 72 months. This flexibility ensures that your repayment plan suits your needs.


Personal Loan Interest Rates in Kolkata

Personal Loan Interest Rates in Kolkata

ICICI Bank’s Personal Loan in Kolkata stands out due to its competitive interest rates, ensuring that borrowing remains cost-effective for customers. The Bank recognises the importance of appealing lending options. The rates reflect the commitment to provide accessible financial solutions that cater to the diverse needs of the cultural capital of Kolkata.

Rate of Interest Processing Fees Tenure
10.80% to 16.15% per annum Up to 2.50% of the Loan amount plus taxes 12 months to 72 months

Fees and Charges for Personal Loans in Kolkata

When applying for a Personal Loan in Kolkata, stay updated on the associated fees and charges. Here is a breakdown of these charges:

Description of Charges

Charges Applicable

Loan Processing Charges/Origination Charges (Non-Refundable)

Up to 2.50% of the Loan amount plus applicable taxes

Prepayment  / Foreclosure Charges

a. 3% on principal outstanding amount.

b. Nil after 12 EMIs paid.

c. For Business Loans (BIL/BL) <=50 Lakhs i.e. Booked under code ‘UP’, the FC to be considered as “NIL” if first EMI is paid. This is applicable only for Micro and Small enterprises only (subject to URC submission) and not for Medium enterprises.

Charges for late payment

5% Per Annum will be charged on the overdue EMI until repayment

Repayment Mode Swap Charges

Rs 500 per transaction plus applicable taxes

Loan Cancellation Charges

a. NIL Cancellation within Free Look / Cooling off period (i.e. 15 days from Disbursement). PF will be Non Refundable.

b. Cancellation post cooling Period & Before 1 EMI date (i.e. from 16th day till 1st EMI date) - Proportionate APR to be considered with max capping of ₹3000 /- (applicable for Digital Lending)

c. Cancellation Fee of ₹. 3,000/- (applicable other than Digital Lending).

EMI Bounce Charges

Rs 500 per bounce plus applicable taxes

Non-Maintenance of Mode of Payment (NMMP Charges)

Rs 800 (Plus applicable taxes or statutory levies, if any). Charges levied on a monthly basis if the Loan repayment mode is inactive or irregular.


Personal loan in Kolkata

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    Documents required for a Personal Loan

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    Eligibility Criteria for a Personal Loan

Documents required for a Personal Loan in Kolkata

When applying for a Personal Loan in Kolkata, you need to provide specific documents based on being a salaried or self-employed individual. Here is a checklist of the necessary Personal Loan documents for both categories:

Proof of Identity: Aadhaar & PAN Card (both)

Proof of Residence: Leave and License Agreement, Utility Bill (not more than 3 months old) or Passport

● Last 3 months Bank Statement (where salary/income is credited).

● Last 3 months’ Salary Slips.

Eligibility Criteria for a Personal Loan

Eligibility Criteria for a Personal Loan in Kolkata

Understanding the eligibility criteria is vital when seeking a Personal Loan in Kolkata:

  • Age: Applicants should be between 20 and 58 years

  • Net Salary: Salaried individuals with a minimum monthly income of Rs 30,000 are eligible (Also depends on the applicant’s relationship with the bank)

  • Total Years in Job/Profession: A minimum of 2 years in your current job or profession is required

  • Years in Current Residence: Applicants should be residing for a minimum of 1 year in their current location.