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A Personal Loan eligibility calculator is an online tool that helps individuals to be aware of the maximum eligible amount for a Personal Loan. It is calculated based on a few factors like income, tenure (of the loan amount) and existing financial obligations. Note Individual CIBIL score might impact the maximum eligibility amount.
For salaried applicants, the Personal Loan eligibility depends on their age, net salary, years of professional experience and duration of residence at the current address. Self-employed individuals are assessed based on their age, minimum turnover, minimum profit after tax, business stability and existing relationship(s) with ICICI Bank. These criteria collectively determine the eligibility for a Personal Loan, ensuring a thorough financial stability and credibility evaluation. Lastly, the applicant’s credit score may also be considered.
Note Eligibility criteria can change as per RBI guidelines.