Post on 09-Apr-2018
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RETAIL BANKING PRODUCT
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Housing Finance -Eligibility
ICICI SBI
At least21 yearsofagewhenthe loanissanctioned
The loan mustterminatebeforetheageof65
You mustbesalariedor
self-employed with aregularsourceofincome
Minimum ageofco-applicantshouldbe 18years
At least 18 yearsofage
whenthe loanissanctioned
The loan mustterminate
beforetheageof70
You mustbesalariedor
self-employed with a
regularsourceofincome
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Itisrestrictedtoa
maximum of80% ofthe
costofproperty
Itisrestrictedtoa
maximum of80% ofthe
costofproperty
ICICI SBI
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YEARS RATE
2010 8.75% - 9.25%
YEAR RATE
2010 8.50%
ICICI SBI
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` Home Loantenureup to20 years
`
Home Loantenureup to20 years
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ICICI SBI
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Application Form
Photograph
Feecheque
Photo Identity ProofSignature Verification
Proof
Residence Address
ProofPropertydocumentsas
required
Application Form
Photograph
Identity Proof
Residence ProofProofofbusiness
address
Tax paidreceipt
CopyofApproved PlanStatementofBank
Account
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Finance for new vehicles
Finance for used vehicle
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Loandependsonthree
criteria
Age
Income
Stability
` Netannual incomeof
Rs One Lakh
` Individual agebetween
21-65 years
` A permanentemployee
` Agricultureandallied
activitiescanalsoavail
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SBI
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` The loan Amount
dependsonapplicant's
requirement
` Fundingcanbetothe
extentof100% ofthe
chassisvalue
` A maximum loanamount
of2.5 timesthenet
annual income.
` Loanamountforusedcar
hasthe maximum limitof
Rs 15 lakhs.
ICICI SBI
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Years Rates
2010 16.75%
Years Rates
2010 16%
ICICI SBI
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` Thetenureofthe loanmayvaryfrom 12to 60
months,dependingupon
thenatureofthedeal and
therepaymentcapacity.
` Repayment period ofup to 84 months
ICICI SBI
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StatementofBanka/c(12 months)
2 photographs
Signatureidentification
A copyofpassport...
Proofofresidence
Latestsalary-slip
I.T. Returns
Proofofofficial addressfornon-salariedindividuals
Applicationform
Residence proof
2 photographs
Identity proof
Income proof
PAN card
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Education Finance
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Graduationcourses,
Post Graduationcourses, Professionalcourses, Computercertificatecourses
Othercourses
Courses approvedbyUGC/Government/
AICTE etc
Graduationcourses/
Postgraduation
courses/ Professional
courses
Othercourses
Courses approvedby
UGC/Government/
AICTE etc
ICICI SBI
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Study Abroad Study India
Min. -R
s50000 Min. -R
s50000
Max. - Rs
400000
Max. - Rs
400000
` Forstudiesin India,
maximum Rs. 10 lacks
` Studiesabroad,
maximum Rs. 20 lacks
ICICI SBI
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Years Rates
2010 13.75% - 15.75%
ICICI SBI
Years Abroad India
2010 13% 13.75%
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` Repaymentstarts 1 year
aftercoursecompletion/
6 monthsafterobtaining
employment (whichever
earlier)
` The loanshall berepaidin 5 - 7 yearsafter
commencement
Place ofStudy
LoanAmount
RepaymentPeriod
in Years
Studiesin
India
Rs. 10.0
lakhs
5-7
StudiesAbroad
Rs. 20.0lakhs
5-7
ICICI SBI
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Application Form
Marksheets
Proofofadmission
scholarshipScheduleofexpenses
2 Photographs
Statementsa/c (6 m)
I.T. Returns
ProofofIncome
` Loan Application
Form
` Marksheetsof last
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` Tobuyanew laptop
` Formarriage-relatedexpenses
` Others
Per l
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Personal LoanPersonal Loan -- EligibilityEligibility
Criteria Salaried
Age 25 yrs. - 58 yrs
Net Salary Net monthlyincome -
Rs. 20,000 p.m.
Eligibility Employed
profession 2 Year
Yearsincurrent
residence
1 Year
Salariedindividual ofgoodqualitycorporate
selfemployed
engineer
Etc.
ICICI SBI
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Dependingoneligibility,
incomeandrepayment
capacity
Dependingoneligibility,
incomeandrepayment
capacity
Minimum Rs.50000/-
Maximum Rs.10,00,000/-
Min. Rural Rs.10000/-
Min. Urban Rs.24000/-
Max. Both Rs.10,00,000/-
Personal LoanPersonal Loan -- AmountAmount
ICICI SBI
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Personal LoanPersonal Loan Interest RateInterest Rate
ICICI SBI
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YEAR RATE
2010 14% - 21%
YEAR RATE
2010 13.5% - 20.00%
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Flexiblerepaymentoptionof12-48 months
The loanisrepayablein 48 months
ICICI SBI
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Consumer Durable - Eligibility
Criteria SalariedSelf employed
Age 58yrsor
retirement
65 yrs with
pension proof
65 yrs
Minimum
income
Netsalaryof
Rs. 3,500 pm
Rs. 48,000 pa
Stabilityatresidence
Minimum 1yearorown
house
Minimum 1yearorown
house
Location Must liveinthe
geographical
limits
Must workand
liveinthe
geographical
limits
Employeesofreputedcompaniesand
institutionsconfirmedinservice
Selfemployedprofessionalsandother
individualson merit
Minimum grosssalaryRs. 7,000/- p.m.
ICICI SBI
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Criteria Salaried Self
employed
Min. loan
amount
ForCD product
Rs. 5,000,
Mobile phone
Rs.8,000 and
PC Rs 15,000
ForCD
product Rs.
5,000,Mobile
phone
Rs.8,000 and
PC Rs15,000.
Max.
loan
amount
Rs. 3,00,000/- Rs. 3,00,000/-
Min : Rs. 15,000/-
Max : Rs. 2,00,000/-
ICICI SBI
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SBIICICI
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YEAR RATE
2010 7.00% - 14.5%
YEAR RATE
2010 7.25% - 15.25%
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CDL : Min. 12 months
Max36 months
PC & Laptop Min 12 &
Max24 months
Mobiles : Min 12 &
Maxis 18 months
12 months
24 months
36 months
Customerschoice.Repaymentstartsonemonth afterdisbursal
SBIICICI
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KUSH AGGARWAL (2)
HRIDAY SHARMA (32)
SHALABH MAHESHwARI
CHIRAG GANDHI
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