hdfc bank personal loan in ghaziabad2019-01-17T09:50:18+00:00
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hdfc bank personal loan in ghaziabad

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LOAN UP TO 40 LAKHS

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Submit Income & KYC documents to our Executive in the comfort of your office/home to initiate the Loan process.

Get the best bargain! & take doorstep delivery of your Personal Loan with our assistance.

Benefits with Your Loan Advisors

We at yourloanadvisors.com are committed to Customer service.

  • Process your Personal loan at the best available ROI.
  • Get customized Quotes from leading Banks/NBFC.

  • With our experience we are now poised to help our customer’s to achieve funds desired with the best terms & conditions.
  • No hassle to customer, we give Door step delivery of your Personal loan.
  • Sincere follow up on behalf of our Customer with banking institution.
  • Expert advice & guidance to for solving any of loan related issues such as Debt consolidation.

Personal Loan Features

Most Leading Banks & NBFC’S actively offer Personal Loans as a Primary product. With slight variations the basic features remain the same.

  • A Personal Loan is a Loan issued without any co laterals or guarantee.
  • Loan Amounts offered for minimum of 50k up to 30 lakhs.
  • Flexible repayment options available from12 months up to 60 months.
  • The Loan amount is to be paid back through Equated monthly Installements (EMI).

  • The Rate of Interest is fixed for the approved tenure; EMI is calculated @ monthly reducing balance.
  • Personal Loans are disbursed within 3 to 5 working days.

ELIGIBILITY CRITERIA FOR A PERSONAL LOAN

Applicant should be an Indian citizen over 21 years of age.

She/he should be gainfully employed for the 12 months or more.

Minimum salary drawn should be 30,000/- per month or more.

Salary should be credited regularly to the Salary account month on month.

Applicant should hold a valid proof of Identity.

COMPARE RATE OF INTEREST & PROCESSING FEES APPLICABLE FROM MAJOR BANKS

LOAN PROVIDER INTEREST RATE PROCESSING FEES TENURE LOAN AMOUNT
HDFC BANK 11.49% – 20% 0.5%-2.5% of loan amount 12-60 mths 50k-30 lakhs
ICICI BANK 11.49% – 20% 1%-2.5% of loan amount 12-60 mths 50k-25 lakhs
AXIS BANK 11.99% – 22% 2% of loan amount 12-60 mths 50k-20 lakhs
Citi Bank 11.75%-20% 0.25-1% of loan amount 12-60 mths 1-25 lakhs
Kotak 11.99% – 22% 2% of loan amount 12-60 mths 50k-15 lakhs
YES BANK 10.75% – 18% 0.5%-2.5% of loan amount 12-60 mths 50k-30 lakhs
BAJAN FINSERV 13% – 16% 2% of loan amount 12-60 mths 1-25 lakhs
Standard Chartered 11.50% – 18% 0.5%-2% of loan amount 12-60 mths 50k-25 lakhs
IDFC BANK 11.50% – 18% 0.5%-2.5% of loan amount 12-60 mths 50k-30 lakhs
Capital First 12.5% – 22% 2% of loan amount 12-60 mths 50k-20 lakhs
TATA CAPITAL 11.50% – 18% 999/- 2% of loan amount 12-60 mths 50k-20 lakhs
Fullerton India 13.5% – 20% 1% – 3.5% of loan amount 12-60 mths 50k-20 lakhs
Indusland Bank 11.99% – 23% 2% of loan amount 12-60 mths 50k-20 lakhs

Example: With a representative 10.75% APR based on borrowing ₹ 10 lacs and repaying over 60 months with monthly EMI of ₹ 21,618.

Personal Loan from HDFC Bank for Ghaziabad Residents

Ghaziabad is prominent township of Uttar Pradesh .It connects the state with New Delhi & is included in the national capital region (NCR).

It is also known as the gateway of Uttar Pradesh & is a large, planned industrial city with good connectivity by Road, Rail & Metro line. It is the administrative headquarters of Ghaziabad District as well as being the primary commercial, industrial and educational centre of western Uttar Pradesh and a major rail junction for North India.

With a fast paced development it attracts a large influx of work force to work to reside in the city of Ghaziabad: it has become a real estate hub with the leading builders creating luxurious townships & housing units easily available to the residents of Ghaziabad & the NCR region.

HDFC is the primary Bank supporting infrastructure & finance for growth in the city of Ghaziabad.

Business loans & Personal Loans are readily available for individuals living & working in Ghaziabad or working in the NCR region & residing in Ghaziabad. The documentation required is minimal & the process is quick & convenient.

HDFC Bank provides personal loans to salaried individuals for fulfilment of finance required for personal needs. As per the policy the applicant should be gainfully employed for 12 months or more, the minimum income being transferred to the salary account should be more than 20 k per month. Applicants working in companies featuring the HDFC top company list are considered as premier customers; other factors considered for granting of a Personal Loan are a self owned residence, a good CIBIL score & a healthy Banking.

Acquiring a personal loan from HDFC Bank may be as simple as borrowing money from a friend or a relative. Any urgent need or financial shortfall can be completed by applying for a personal loan from HDFC Bank.

We at Yourloanadvisors.com are there to assist you at all stages; our documentation executive can collect documents from your office/residence & complete application formalities. Thereafter we follow up the application process till the amount required is credited to your Bank account.

CIBIL CHECK FOR A PERSONAL LOAN

A CIBIL Score is not mandatory with all Banks for processing of a Personal loan.

Your CIBIL score reflects a complete history of all credit transactions to date.

A credit score of 720 points & above is considered a satisfactory score for a Personal Loan process.

Always check your CIBIL score before applying for a Loan.

Every time a Bank or NBFC an enquiry for details to CIBIL the score gets reduced by 20 points, so never make indiscriminate Loan applications.

There is always a room for error with CIBIL so in case your record has not been updated correctly; steps can be taken to remedy the same.

Personal Loans can be used for different Purposes

Banks and Non-Banking Financial Companies (NBFC) in India offer personal loans to meet specific purposes or expenses. While a personal loan can serve any purpose and it is not mandatory for you to state the purpose when applying for one, the different loan products simply help make the shopping process lot simpler. For example if you are looking for a personal loan to fund a wedding, researching and comparing wedding loans will prove a great starting point.

End usage of a Personal Loan
Here are some of the common reasons for which personal loans available in India. Some of them may be available at select banks /lenders only. The loan amount, tenure, interest rates, eligibility, fees, penalty and terms and conditions will vary across lenders.

A Personal Loan for the expense of a wedding

A timely loan can help you take care of all major expenses in a planned and organized manner allowing you fully enjoy the special occasion without being bogged down by financial concerns.

A Personal Loan for Home Renovation expenses

With sufficient funds to spruce up your home with latest amenities or address vital/extensive repairs, home renovations /improvements need no longer drain your earnings. Make sure to consolidate your wish list and get a quote from a trusted contractor before applying for this loan.

A Personal Loan for a holiday or travel expenses

Holidaying abroad or at an exotic location is very much affordable with personal loans for holiday travel that help finance your entire trip right from tickets to shopping. Saving up for a dream holiday, though typical, can cause you to lose a lot of precious time. Instead you can opt for a suitable personal loan and spend quality time with loved ones at your favourite destination, without burning a hole in your pocket.

Take a Personal loan to buy Consumer Durables

Electronic appliances form an integral part of Indian homes. From basic television sets to food processors, air conditioners and geysers, consumer durables do make life a tad easier and comfortable. You can now furnish your home without cutting down other expenses or using up savings, by picking an affordable personal loan.

A Personal loan to bear Education costs

Education is a costly affair at present times, but is essential to survive in this competitive setting. Funding your child’s education or even your own higher education with a personal is a wise decision, for it enables you to pursue learning without being worried about the expenses involved in achieving your dream qualifications.

A Personal loan for celebration expenses during festivals

India is a land of festivals. Each festival has its own significance and customary expenses as well. If you are unable to make ends meet this festival season, check out the personal loan offered by few lenders. Small, short-term loans (12 months) with low interest rates are characteristic of this loan, which may prove handy to dole out gifts to your loved ones.

A Personal Loan for Funding to freshers

Did you know that your first salary slip makes you eligible for a personal loan of about 1 – 1.5 Lakh rupees? While it is important that you spend the money responsibly, you can afford to treat your friends and family or rent a studio apartment in your city of work, pick up few sets of formal clothing – just address any immediate expenses comfortably.

Personal loans for medical emergencies and debt consolidation are also available. Top-up loans are also conditionally offered, over and above current personal loans to address additional requirement for money.

DOCUMENTS REQUIRED

Income Documents

Salary Slip for the Last 3 months.

Bank Statement from Salary account for the last 3 months showing 3 salary credits.

Form 16 for the last financial year.

Pan card copy.

KYC Documents

Photo Identification proof.(Passport/Driving Licence/Voter I.D./Adhaar Card/Ration Card)

Current Address Proof.(Bank Statement, Utility Bill, Rent Agreement)

Company I.D.

FAQ’S FOR A PERSONAL LOAN

A Personal loan is easily achievable & is the best method to secure funds by salaried individuals for immediate requirements.

A Personal Loan is an unsecure loan which is forwarded to an individual solely on the basis of the applicant’s profile: so why give a precious asset as a security for a gold loan or a property loan when it is possible to get funds via a Personal Loan.

The total time taken to get an approval for a Personal Loan is 48 hours to 72 hours .post approval the funds are transferred by ECS to the applicant’s Bank account.

To be eligible for a Personal Loan the applicant must receive a minimum of 20 k in the salary account for 3 consecutive months.
To be eligible to apply for a Personal Loan the applicant should be a graduate or a diploma holder: having cleared CBSE or equivalent successfully.
All Personal Lenders will forward Loan amounts as per their individual policy. The maximum loan amount universally granted as a Personal Loan is 30 lakhs & the minimum an institution will like to fund is 50k.
Most major Banks & financial institutions provide Personal loans to eligible customers as per the policy. The applicants can also choose the lender with Personal Loan features most compatible to the requirement .Your Loan Advisors provides services without any charges to help & guide Loan applicants as to which Bank will be best suited to them.
It is mandatory for the applicant to have a Bank account; it could be in any Bank & not necessarily in the Bank which is the Personal loan provider.
Major Banks require that the salary amount be received by direct transfer from the company to the applicants account. An exception can be made if the salary amount is received regularly by cheque & deposited in the same account over a length of time.
An applicant should never pay in cash or cheque when submitting the documents. A processing fee is charged by the Bank/NBFC post approval of the loan .The file charges or processing charges levied by the lending institution is always deducted from the Loan amount at the time of disbursal.
An applicant may apply for the Loan amount required but it is up to the Loan provider to sanction the Loan as per the eligibility criteria. Major factors governing the Loan amount given to an applicant are; the income of the applicant, the total obligations, and the policy of the Bank with regard to the applicants profile.
The Personal Loan being an unsecure loan the rate of interest charged is slightly higher than a secure loan: though the minimum rate of interest chargeable is 10.99% @ monthly reducing balance .This rate is given to elite customers with an impeccable track or credit history. The maximum rate is up to 24% @ monthly reducing balance.
A spouse or the parents of an applicant who are earning members can become co applicants for a Personal Loan. The additional income of the co applicant will increase the eligibility for the Loan amount. If the co applicant has a faulty CIBIL record it could adversely affect the Loan approval.
The monthly installement charged for a Personal Loan includes a component of the Principal Loan amount & the interest; thus the loan amount decreases with every monthly installement paid & the interest charged here on will be on the existing principal amount.
The Tenure for a Personal Loan is the time for which the Loan amount is borrowed. Personal Loan Tenure ranges from 12 months to 60 months. The Tenure for which the Personal Loan is forwarded is at the discretion of the lending Bank.
The approval for a Personal Loan is valid for a month, if not disbursed during the period the applicant will have to reapply.
Having procured a Personal loan from a financial institute it is important to maintain a timely payback: To maintain regularity & avoid hassles the monthly installement is recovered through ECS or electronic clearing system from the salary account of the applicant.
The ECS is an automated system: it will hit the salary account of the applicant month on month till cancelled or changes as per instructions from the initiating Bank.

If the ECS bounces the applicant should ask for it to be represented & maintain the balance required for clearance of the same. An applicant can pay the pending dues by cheque from an alternate account but the ECS bounce status will remain in the repayment record.

A Personal Loan is financial assistance easily available at the time of a financial requirement; to be able to get further credit readily it is important to maintain a good repayment record. Any delays or default will reflect in the CIBIL record. Maintenance of timely repayment record will ensure a good financial portfolio.

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SOME HDFC BANK BRANCHES IN GHAZIABAD FOR PERSONAL LOAN

Bank Branch IFSC Code Branch Address
HDFC Bank GHAZIABAD HDFC0000153 C – 29, , Rdc, , Raj Nagar, , Ghaziabad – 201001, Uttar Pradesh
HDFC Bank GHAZIABAD – VAISHALI HDFC0000422 VC – 1, Sector 3, , Adjacent To Income Tax Office, Ghaziabad – 201010, Uttar Pradesh
HDFC Bank GHAZIABAD – SHALIMAR GARDEN HDFC0000433 C – 8 Ocean Plaza, Shalimar Garden, Extn. 2, Sahibabad, Ghaziabad – 201005, Uttar Pradesh
HDFC Bank GHAZIABAD – VASUNDHARA HDFC0000563 4 / 5, Om Plaza, Sector – 15, Vasundhra, Ghaziabad – 201012, Uttar Pradesh
HDFC Bank GHAZIABAD – GANDHI NAGAR HDFC0000573 III N – 28 Ambedker Road, Nehru Nagar, Ghaziabad – 201001, Uttar Pradesh
HDFC Bank GHAZIABAD – INDIRAPURAM HDFC0000590 G 2 And 3 Windsor Park, Indirapuram, Ghaziabad – 201014, Uttar Pradesh
HDFC Bank Modinagar HDFC0001460 Near Amber Cinima Gt Road Modinagar, Modinagar 201204, Naer Amber Cinima, Ghaziabad – 201204, Uttar Pradesh
HDFC Bank SHASTRI NAGAR – GHAZIABAD HDFC0001591 Sh – 290, Sastri Nagar Ghaziabad, Opposite Uttam Girls School Sastri Nagar, Ghaziabad – 201001, Uttar Pradesh
HDFC Bank KAUSHAMBI HDFC0002653 HDFC BANK LTD., B-39, OPP. SBI, KAUSHAMBI, DIST. GHAZIABAD UTTAR PRADESH 201010
HDFC Bank CHANDER NAGAR HDFC0002722 HDFC BANK LTD., SHOP.NO.1-6, DEVIKA TOWERS COMMERCIAL COMPLEX, CHANDER NAGAR, GHAZIABAD UTTAR PRADESH 201010
HDFC Bank CITIZEN CO-OPERATIVE BANK LTD.NOIDA HDFC0CCBL05 D- 11, SECTOR -23, SANJAY NAGAR, GHAZIABAD
HDFC Bank CITIZEN CO-OPERATIVE BANK LTD.NOIDA HDFC0CCBL07 GAUR GRAVITY, SECTOR 4, VAISHALI, GHAZIABAD
HDFC Bank CITIZEN CO-OPERATIVE BANK LTD.NOIDA HDFC0CCBL12 A-640 G, SECTOR- 9, VIJAY NAGAR, GHAZIABAD
HDFC Bank GOVINDPURAM HDFC0004733 HDFC BANK LTD F BLOCK GAUR HOMES GOVINDPURAM GHAZIABAD UTTAR PRADESH 201102
HDFC Bank LOHIYA NAGAR HDFC0004833 HDFC BANK LTD GROUND FLOOR C 9 LOHIYA NAGAR GHAZIABAD UTTAR PRADESH 201001

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