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Pre-loan Eligibility checker
Last updated on: July 22, 2025
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Read BioICICI 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.
Here’s a table summarizing the general eligibility criteria for a personal loan at ICICI Bank:
| Eligibility Criteria | Requirement |
|---|---|
| Age | 23 to 58 years (salaried individuals) |
| Minimum Net Monthly Income | Typically ₹25,000 and above (may vary) |
| Employment Type | Salaried individuals with a minimum of 2 years at the current job |
| Work Experience | A minimum of 2 years of total work experience |
| CIBIL Score | Generally, a CIBIL score of 650 and above is preferred |
| Loan Amount | Based on a percentage of the net monthly income |
| Loan Tenure | Typically up to 5 years (may vary) |
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
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
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.
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
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
Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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