PRESENTATION ON

PERSONAL LOAN

PRESENTED BY
GURPINDER KAUR
 CUSTOMER PROFILE
 Name : Mr. Karan Ahuja
 Age : 30 years
 Occupation : Employee in Wipro
 Annual Income : 6,00,000
 Account : Regular Saving Account
 Account number : 548625481265
 Average balance : 25,000

(Pre-qualified customer for various bank offers)

 Scenario
RM : Good morning ,Welcome to ICICI bank , Sir.
Please have a seat .
Customer : Good morning .
RM : How are you , Sir ?
Customer : I am fine . Thank you .
RM : Please tell me ,Sir , how can I help you ?
Customer : I need a loan for my home renovation . Can I get this ?
RM : Sure sir, you can get a personal loan without any collateral security .
Customer : That’s nice. I want more details on it .
RM : Yes sir , I explain you .
What is PERSONAL LOAN ?
An unsecured loan , solution for instant cash and can
be used for traveling, wedding , medical emergency ,
home renovation ,etc .

Avail of Personal loan up to Rs. 30 Lakh

No security/ guarantor required
Faster processing
Minimum documentation
Interest rate starting from 10.25%
Flexible repayment option of 12-60 months
 ELIGIBILITY

Salaried Individual
 Age : Min. 23years –Max 58 years
 Net Salary : Min monthly income Rs.25,000
 Experience : 2 years
 Years in current residence : 1 year
 KYC DOCUMENTS
SALARIED
 ID Proof : Passport/Driving license / Voter Id
/ PAN Card / Aadhaar card
 Address Proof : Aadhaar Card / Electricity bill
/ Passport etc.
 Bank Statement : Latest 3 months
 Salary Slip : For last 3 months
 2 Passport size photographs
 PL FEES & CHARGES
 Loan amount : Upto 30 Lakhs
 Tenure : 12 – 60 months
 Interest Rate : 10.25 %
 Processing Fees : 2.25 % of loan amount
 Loan Cancellation : Rs. 3000/- + GST
 Additional interest on payment delay : 24% per annum
 EMI Bounce charges : 400/- per bounce + GST
Customer : This is good.
Tell me how can I apply for this.
RM : Yes sir, I will give a prefilled form and need your
documents .
Customer : Sorry ,this time I don’t have my all document with
me . Can you give any alternative .
RM : Sure sir , as you have already a saving account so I hope
that you are using I-MOBILE app.
Customer : Yes ,I use i-mobile .
RM : Great sir , then you can apply your personal loan from i-
mobile . I tell you all the steps to apply.
Customer : Please mam.
 Apply Personal Loan in I-MOBILE
 Login to I-MOBILE using fingerprint or PIN
 Click on ‘Offers’
 Select ‘Instant Personal Loan’
 Select ‘Loan amount and Tenure’
 Check your customized plan
 Click on ‘Proceed’
 Validate all loan details
 Check your EMI dates
 Confirm/Modify your email
 Accept Terms & Conditions
 Click on ‘Disburse Now’
 Authenticate with Debit Card grid values
 Click on ‘Submit’
 Congratulations , amount instantly credited to your bank account
 Customer is very happy with this alternative

Customer : Thank you for helping me .

RM : Its my pleasure to help you ,sir .
If you have any problem or need any help.
We are always at your service sir .
Customer : Thank you so much again .
RM : Ok sir.
Thank you for banking with ICICI Bank.
Have a good day .
THANK YOU