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Personal Loan in Ahmedabad
Are you in Ahmedabad and require financial assistance to achieve your goals or manage unforeseen expenses? ICICI Bank Personal Loan in Ahmedabad offers a competitive interest rate, flexible repayment options and a swift approval process. Whether your financial requirements revolve around a wedding, education, home renovation or any other purpose, a Personal Loan can transform your dreams into reality. With a hassle-free application procedure and prompt disbursement, getting the necessary financial support is now easy. Apply for a Personal Loan in Ahmedabad today and experience the convenience and reliability of our financial solution.
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Features and benefits of a Personal Loan in Ahmedabad
The features and benefits of an ICICI Bank Personal Loan in Ahmedabad are as follows:
Loan amount of up to Rs 50 lakh
Avail a loan of up to Rs 50 lakh to meet a range of financial requirements such as home renovation, wedding expenses or debt consolidation.
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No Security/ Guarantor requirement
Experience the convenience of ICICI Bank Unsecured Personal Loan, which doesn’t require any type of collateral or a guarantor.
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Swift processing
Enjoy speedy approval and disbursement, ensuring that you receive the funds at the time when you need them.
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Minimal documentation
Minimal documentation is required to avail an ICICI Bank Personal Loan in Ahmedabad, which simplifies the application process.
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Attractive interest rate
Benefit from a competitive interest rate, making repayments manageable and cost-effective.
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Flexible repayment options
Select a repayment period that aligns with your financial situation, ranging from 12 to 72 months, offering flexibility and convenience.
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Documents required for a Personal Loan in Ahmedabad
Documents required for a Personal Loan in Ahmedabad
While applying for a Personal Loan in Ahmedabad, you need to provide specific documents based on whether you are a salaried or self-employed individual. Here is a checklist of the necessary Personal Loan documents required for both categories:
- Proof of identity: Aadhaar Card & PAN Card (both)
- Proof of residence: Leave and Licence Agreement, utility bill (not more than 3 months old) or passport
- Bank statements for the last 3 months (where salary/ income is credited).
- Salary slips for the last 3 months.
Eligibility Criteria for Personal Loan in Ahmedabad
Understanding the Personal Loan eligibility criteria is important while applying for a Personal Loan in Ahmedabad:
Age: The applicant should be between 20 to 58 years of age
Net salary: A salaried individual with a minimum monthly income of Rs 30,000 is eligible
Total years in job/ profession: The applicant should have completed at least 2 years in his/ her current job or profession
Duration of stay in the current residence: The applicant should have stayed in his/ her current residence for a year.
Fees and charges for a Personal Loan in Ahmedabad
While applying for a Personal Loan in Ahmedabad, it is important to be aware of the associated fees and charges. Here is a breakdown of the charges:
Description of charges | Applicable charges |
---|---|
Loan processing charges/ Origination charges (Non-refundable) | Up to 2.50% of the loan amount plus applicable taxes |
Prepayment charges |
|
Additional interest on late payment | 24% per annum |
Repayment mode swap charges | Rs 500 per transaction plus applicable taxes |
Loan cancellation charges | Rs 3000 plus applicable taxes |
EMI bounce charges | Rs 500 per bounce plus applicable taxes |
Non-Maintenance of Mode of Payment (NMMP) charges | Rs 800 (plus applicable taxes or statutory levies, if any). Charges are levied on a monthly basis if the loan repayment mode is inactive or irregular. |
How to apply for a Personal Loan in Ahmedabad?
Here is how you can apply for a Personal Loan in Ahmedabad:
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Apply for a Personal Loan in Ahmedabad today and take the first step towards realising your financial objectives. You can also apply for a Personal Loan through the iMobile Pay app.