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Features and benefits

Enjoy these features and benefits with a Rs. 50 lakhs loan at ICICI Bank:

Loan amount up to Rs 50 lakh

Loan amount up to Rs 50 lakh

You can access up to Rs 50 lakh, providing a versatile solution for various financial requirements, be it for home improvements, wedding expenses, or debt consolidation.

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No Security/Guarantor required

No Security/Guarantor required

Enjoy the convenience of ICICI Bank’s unsecured Personal Loan, eliminating the need for collateral or a guarantor. This streamlines the process, making it hassle-free.

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Fast Processing

Fast Processing

Experience swift approval and disbursement, ensuring you receive the funds precisely when you need them, without unnecessary delays.

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Minimal Documentation

Minimal Documentation

ICICI Bank values your time, so ICICI Bank Personal Loan in Surat necessitates minimal documentation to simplify the application process for your convenience.

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Attractive interest rate

Attractive interest rate

Benefit from competitive interest rates, 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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Apply now, take full advantage of these outstanding features and achieve your financial goals easily.

Personal Loan Interest Rates in Surat

Personal Loan Interest Rates in Kolkata

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
10.65% to 16.00% 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 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 3,000 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.

Fees and Charges for Personal Loans in Kolkata

When applying for a Personal Loan in Kolkata, 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.

Read More

Apply for a Personal Loan in Surat today and take the first step toward achieving your financial goals. It can also be applied through the iMobile Pay app.

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.

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.

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.