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    Personal Loan

    Uploaded by

    gurpinder
    The presentation provides information about personal loans offered by ICICI Bank. It details a customer's profile who is seeking a home renovation loan. The relationship manager explains the eligibility requirements, documents needed, fees and charges associated with a personal loan. The customer prefers applying through the bank's mobile app to avoid submitting documents in person. The manager walks the customer through the simple steps to apply for the loan on the i-Mobile app.

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    Personal Loan

    Uploaded by

    gurpinder
    80 views11 pages
    The presentation provides information about personal loans offered by ICICI Bank. It details a customer's profile who is seeking a home renovation loan. The relationship manager explains the eligibility requirements, documents needed, fees and charges associated with a personal loan. The customer prefers applying through the bank's mobile app to avoid submitting documents in person. The manager walks the customer through the simple steps to apply for the loan on the i-Mobile app.

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    The presentation provides information about personal loans offered by ICICI Bank. It details a customer's profile who is seeking a home renovation loan. The relationship manager explains the eligibility requirements, documents needed, fees and charges associated with a personal loan. The customer prefers applying through the bank's mobile app to avoid submitting documents in person. The manager walks the customer through the simple steps to apply for the loan on the i-Mobile app.

    Copyright:

    © All Rights Reserved
    Download as PPT, PDF, TXT or read online from Scribd
    Download as ppt, pdf, or txt
    80 views11 pages

    Personal Loan

    Uploaded by

    gurpinder
    The presentation provides information about personal loans offered by ICICI Bank. It details a customer's profile who is seeking a home renovation loan. The relationship manager explains the eligibility requirements, documents needed, fees and charges associated with a personal loan. The customer prefers applying through the bank's mobile app to avoid submitting documents in person. The manager walks the customer through the simple steps to apply for the loan on the i-Mobile app.

    Copyright:

    © All Rights Reserved
    Download as PPT, PDF, TXT or read online from Scribd
    Download as ppt, pdf, or txt
    of 11

    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

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