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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

    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

    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

    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

    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

    Attractive interest rate

    Benefit from a competitive interest rate, making repayments manageable and cost-effective.

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    Flexible repayment options

    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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    Calculate your Personal Loan EMI

    Use ICICI Bank Personal Loan EMI Calculator to estimate your monthly instalments promptly. Just enter the loan amount, interest rate and the chosen tenure. The calculator will provide you with a breakdown of your EMIs.

    Take control of your finances with this useful tool. Try it now to gain a clear understanding of your repayment schedule.

    Personal Loan interest rate in Ahmedabad

    In Ahmedabad, ICICI Bank Personal Loan stands out due to its competitive interest rate, ensuring that the borrowing remains cost-effective for customers. We recognise the significance of offering appealing lending options and our Personal Loan Interest Rate caters to the diverse needs of the people in Ahmedabad.

    Rate of Interest Processing Fee Tenure
    10.80% to 16.15% per annum Up to 2.50% of the loan amount plus taxes 12 months to 72 months

    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
    • For salaried customers: 3% on the principal outstanding after payment of the 1st EMI
    • Nil if 12 or more EMIs are paid
    • For MSE classified customers: Nil after payment of the 1st EMI for loan amount of up to Rs 50 lakh
    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.
    Read More

    How to apply for a Personal Loan in Ahmedabad?

    Here is how you can apply for a Personal Loan in Ahmedabad:

      Apply Now

      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.

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