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ICICI bank Personal Loan Eligibility Calculator

Use the ICICI Bank Personal Loan Eligibility Calculator to determine your eligibility for a personal loan. Learn how to use the calculator, frequently asked questions, and more


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ICICI Bank Personal Loan Eligibility Calculator

ICICI Bank Personal Loan Eligibility Calculator helps you determine the maximum loan amount that you can avail from ICICI bank. They take into account your monthly income, your monthly expenses, credit history and existing liabilities to arrive at an approximate loan amount that you will be sanctioned by the ICICI bank.

Personal loan eligibility criteria at ICICI Bank

Here’s a table summarizing the general eligibility criteria for a Personal Loan at ICICI Bank:

Eligibility CriteriaRequirement
Age23 to 58 years (salaried individuals)
Minimum Net Monthly IncomeTypically Rs. 25,000 and above (may vary)
Employment TypeSalaried individuals with a minimum of 2 years of continuous employment at the current job
Work ExperienceA minimum of 2 years of total work experience
CIBIL ScoreGenerally, a CIBIL score of 650 and above is preferred
Loan AmountUp to a certain percentage of the net monthly income
Loan TenureTypically up to 5 years (may vary)

Features of Personal Loan Eligibility Calculator of ICICI bank

Quick Assessment: Instantly check your eligibility for an ICICI Bank personal loan by entering basic details like income, monthly expenses, and tenure.

Customized Offers: Receive personalized personal loan offers based on your eligibility, thus getting the best deal suited to your profile

Transparent Process: The entire process from application to disbursal is completely transparent leaving no room for any discrepancy

Convenience: Access the eligibility calculator online right from the comfort of your homes through a mobile app or laptop


FAQ on Personal Loan Eligibility Calculator of ICICI bank?

Can I get a Personal Loan with a salary of Rs. 25000?

Yes, you can get a personal loan with a salary of Rs. 25000. However, the bank also considers other factors like your existing debts, repaying ability, and credit history before sanctioning the loan

How much Personal Loan can I get for my Salary?

ICICI bank disburses personal loan from Rs. 50000 to Rs. 50 Lakhs. The amount you get sanctioned is dependent on your age, income, and other factors.

What is the FOIR percentage for which the banks will sanction?

Fixed Obligations to Income Ratio (FOIR) is a metric used by banks and other financial institutions to assess an applicant’s loan eligibility. FOIR is calculated by just retaining the fixed monthly expenses and keeping out statutory deductions like PF, Investment Deductions, and Professional Tax. FOIR will give an idea about the disposable income that the applicant can have for new loans

Will checking my eligibility affect my credit score?

No, your credit score will not be affected by checking your eligibility in our ICICI Bank Personal Loan Eligibility Calculator. It is considered as soft enquiry, which means it does not leave any trace in your credit report

What are the documents required by ICICI bank for personal loan sanctioning?

  • ID proof
  • Address Proof
  • Salary Slip last 3 months for salaried
  • Audited Financials for last two years for self-employed
  • Bank Statement last 6 months
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