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    • Calculate your Personal Loan EMIs:

    Planning your Personal Loan in Surat has become more convenient. Use the Bank’s Personal Loan EMI Calculator to estimate your monthly instalments promptly. Just input the loan amount, interest rate and chosen tenure and the calculator will provide you with a transparent breakdown of your EMIs.

    Features and Benefits of Personal Loans in Hyderabad

    Loan up to Rs 50 lakh

    Avail up to Rs 50 lakh to fulfil your diverse financial requirements, whether home renovation, wedding expenses or debt consolidation.

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    No Security/Guarantor required

    Enjoy the convenience of our unsecured Personal Loan, that doesn't need any collateral or guarantor.

    240
    Faster Processing

    Experience swift approval and disbursal, ensuring you get your funds exactly when needed.

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    Minimum Documentation

    We understand that your time is valuable. Our Personal Loan in Hyderabad requires minimal documentation to streamline the application process.

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    Attractive Rates of Interest

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

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    Flexible Repayment Options

    Choose a repayment tenure that suits your financial situation, ranging from 12 to 72 months, providing flexibility and convenience. Apply now and take advantage of these fantastic features to meet your financial goals effortlessly.

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    Personal Loan Interest Rates in Surat

    Eligibility

    Personal Loan Interest Rates in Surat

    ICICI Bank Personal Loan in Surat stands out due to its competitive interest rates, ensuring that borrowing remains cost-effective for customers. ICICI Bank recognises the significance of offering appealing lending options and the Personal Loan interest rates mirror ICICI Bank’s dedication to providing accessible financial solutions that cater to the diverse needs of the dynamic city of Surat.

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

    Fees and Charges for Personal Loans in Surat 

    When applying for a Personal Loan in Surat, it's helpful to be aware of the associated fees and charges. Here's a breakdown of these charges:

    Description of Charges

    Charges Applicable

    Loan Processing Charges /Origination Charges (Non-Refundable)

    Up to 2.50% of the loan amount plus applicable taxes

    Prepayment  / Foreclosure Charges

    a. 3% on principal outstanding amount.

    b. Nil after 12 EMIs paid.

    c. For Business Loans (BIL/BL) <=50 Lakhs i.e. Booked under code ‘UP’, the FC to be considered as “NIL” if first EMI is paid. This is applicable only for Micro and Small enterprises only (subject to URC submission) and not for Medium enterprises.

    Charges for late Payment

    5% Per Annum will be charged on the overdue EMI until repayment.

    Repayment Mode Swap Charges

    Rs 500 per transaction plus applicable taxes

    Loan Cancellation charges

    1. NIL Cancellation within Free Look / Cooling off period (i.e. 15 days from Disbursement). PF will be Non Refundable.

    b. Cancellation post cooling Period & Before 1 EMI date (i.e. from 16th day till 1st EMI date) - Proportionate APR to be considered with max capping of ₹3000 /- (applicable for Digital Lending)

    c. Cancellation Fee of ₹. 3,000/- (applicable other than Digital Lending).

    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.

    Fees and Charges for Personal Loans in Surat

    When applying for a Personal Loan in surat, stay updated on the associated fees and charges. Here is a breakdown of these charges:

    Description of Charges

    Charges Applicable

    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 principal outstanding after payment of 1st EMI.

    - Nil if 12 or more EMIs are paid.

    - For MSE classified customers: Nil after payment of the 1st EMI for loan amounts 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 levied on a monthly basis if the Loan repayment mode is inactive or irregular.

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      Personal loan in Surat

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        Documents required for a Personal Loan

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        Eligibility Criteria for a Personal Loan

      Documents required for a Personal Loan in Surat

      When applying for a Personal Loan in Surat, you need to provide specific documents based on whether you are a salaried or self-employed individual. Here's a checklist of the necessary Personal Loan documents for both categories:

      ● Proof of Identity: Aadhaar & PAN Card (both)

      ● Proof of Residence: Leave and License Agreement, Utility Bill (not more than 3 months old) or Passport

      ● Last 3 months Bank Statement (where salary/income is credited).

      ● Salary slips for the last 3 months.

      Apply Now
      Eligibility Criteria for a Personal Loan

      Eligibility Criteria for a Personal Loan in Kolkata

      Understanding the eligibility criteria is vital when seeking a Personal Loan in Kolkata:

      • Age: Applicants should be between 20 and 58 years

      • Net Salary: Salaried individuals with a minimum monthly income of Rs 30,000 are eligible (Also depends on the applicant’s relationship with the bank)

      • Total Years in Job/Profession: A minimum of 2 years in your current job or profession is required

      • Years in Current Residence: Applicants should be residing for a minimum of 1 year in their current location.

      Apply now
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