Tools/ICICI Bank Business Loan Eligibility Calculator
ICICI Bank Business Loan Eligibility Calculator
Estimate how much business loan your revenue and repayment capacity support at ICICI Bank - before you apply.
Business Profile
Indicative Eligibility
Up to ₹1.75 Cr
Boost your eligibility
GST + banking data
Clean filings and healthy banking can raise your eligible amount significantly
125+ lenders. Termsheet in 48h. Zero equity dilution.
How ICICI Bank assesses business loan eligibility
ICICI Bank underwrites business loans on turnover, business vintage, credit score, and repayment capacity. Typical thresholds: at least 2-3 years of operations, minimum annual turnover around ₹40 lakh to ₹1 crore for unsecured loans, and a credit score of 700+ for the founder or entity.
The eligibility amount is driven by your free cash flow after existing EMIs - ICICI, like most banks, wants total obligations to stay within roughly 40-50% of monthly inflows. This calculator applies the same logic to give you an indicative number.
Explore Working Capital LoansWhat is an ICICI business loan eligibility calculator?
This calculator estimates the loan amount your business profile supports using the inputs banks actually weigh: annual revenue, vintage, and existing EMI obligations. It gives you an indicative figure so you can position your application realistically - the sanctioned amount comes only after full underwriting.
How to use this eligibility calculator
- 1
Enter your annual revenue - GST-reported turnover works best.
- 2
Select your business vintage in years.
- 3
Enter your existing monthly EMI obligations, if any.
- 4
Read your indicative eligibility - then unlock exact terms to see what 125+ lenders including ICICI would actually offer.
ICICI business loan eligibility criteria
Business vintage
Typically 2-3 years minimum of operations; longer vintage unlocks larger unsecured limits.
Turnover
Roughly ₹40 lakh to ₹1 crore minimum annual turnover for unsecured business loans, depending on the programme.
Credit score
700+ CIBIL for the promoter is the practical bar; below that, expect collateral requirements or higher pricing.
Repayment capacity
Total EMIs after the new loan should stay within about 40-50% of monthly inflows - the same test this calculator applies.
