Hdfc bank personal loan in Gurgaon2019-01-17T09:46:52+00:00
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Hdfc bank personal loan in Gurgaon

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FLEXIBLE EMI OPTION

LOAN UP TO 40 LAKHS

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HOW IT WORKS

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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.

HDFC BANK PERSONAL LOAN FOR GURGAON RESIDENTS

Gurgaon is now recognised as an elite & upcoming neighbourhood, though located in Haryana it is part of the National Capital Region. Adjacent to south of Delhi & in close proximity to the international airport it has become a hub for multinational companies. The plush offices in multi storied buildings now house offices for prominent business houses. The employment opportunities created has lead to an influx of qualified individuals seeking better opportunities to work & settle in Gurgaon.

Any requirement for finance for personal use is now easily fulfilled via Personal Loans from HDFC Bank. HDFC Bank is the leading Bank for Personal Loans, providing easy & convenient financial options for personal requirements. HDFC Bank personal loans are designed for all salaried segments & employment categories are divided as per the company profile which could be: Limited/ Private Limited/public sector / or government .The company should feature in the approved company list of HDFC Bank. The rate of interest, loan amounts issued & other terms & conditions are applied as per the company category.

Special rates & offers are given to high income customers looking for large loan amounts. Top listed companies featuring in the Economic times list are given special rates of interest. Applicants applying for an amount of 10 lakhs or more the terms & conditions offered are the best amongst competition.

The process for a personal loan from HDFC Bank is efficient & transparent. The systems put in place by the HDFC Bank are so well planned & executed, that the applicant can expect his loan request to be approved & money transferred to the account within 72 hours.

We at https://www.yourloanadvisors.com have an experienced team who understands the complete personal loan process with HDFC Bank. With our sales force always available for our customer’s service in Gurgaon we are able to provide complete services to our customers for their Personal Loan requirements from HDFC Bank.

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 GURGAON FOR PERSONAL LOAN

Bank Branch IFSC Code Branch Address
HDFC Bank GURGAON – DLF – HARYANA HDFC0000044 A – 12, The Shooping Mall, Dlf Qutab Enclave, Phase – 1, Gurgaon – 122002, Haryana
HDFC Bank GURGAON – SECTOR 14 – HARYANA HDFC0000090 Sco – 15, Sector – 14, Gurgaon – 122001, Haryana
HDFC Bank GURGAON – CENTRAL PROCESSING UNIT HDFC0000197 CPU, GURGAON (BANK HOUSE), VATIKA ATRIUM, 4TH FLOOR, GOLF COURSE ROAD, GURGAON SEC 53
HDFC Bank GURGAON – FIRST INDIA PLACE HDFC0000280 Vatika Building, M G Road, Gurgaon – 122002, Haryana
HDFC Bank GURGAON – UDYOG VIHAR – HARYANA HDFC0000485 B – 1, Enkay Towers, Vanijya Kunj, Udyog Vihar Phase V, Gurgaon – 122016, Haryana
HDFC Bank GURGAON – BANKHOUSE – HARYANA HDFC0000572 Vatika Atrium, Block – A, Sector – 53, Gurgaon – 122002, Haryana
HDFC Bank GURGAON – SADAR BAZAR HDFC0000583 Ep 17 Old Railway Road, Near Sadar Bazar, Gurgaon – 122001, Haryana
HDFC Bank GURGAON – PALAM VIHAR HDFC0000616 Sec 22, Palam Vihar, Gurgaon – 122001, Haryana
HDFC Bank GURGAON – SOUTH CITY HDFC0000622 Sco – 7, Sector – 31 – 32 A, Huda Main Market, Near OM Sweets, Gurgaon – 122001, Haryana
HDFC Bank SECTOR 29 – GURGAON HDFC0001720 SCO 321, , Sector 29, Gurgaon, Gurgaon – 122002, Haryana
HDFC Bank GURGAON DLF CYBER CITY HDFC0000929 Building No 10, Upper Ground Floor, Tower A, Dlf Cyber City, Gurgaon – 122002, Haryana
HDFC Bank SECTOR 10 A – GURGAON HDFC0001002 Khandsa Road, , Opposite Sector – 10 A, Gurgaon – 122001, Haryana
HDFC Bank DLF GALERIA HDFC0001202 Shop No – Sg 5 – 6 Dlf Galleria, Dlf Phase Iv Charakpur, Gurgaon – 122002, Haryana
HDFC Bank GLOBAL BUSINESS PARK HDFC0001203 GF 01, Tower A, Global Business Park, M. G. Road, Opposite Dronacharya Metro Station, Gurgaon – 122002, Haryana
HDFC Bank SECTOR 14, GURGAON HDFC0001264 Scf 79, Sector 14, Gurgaon – 122001, Haryana
HDFC Bank SECTOR – 15 PART – II HDFC0001381 SCO – 9, Sector – 15, Part – II Gurgaon, Gurgaon – 122001, Haryana
HDFC Bank SECTOR – 57 HDFC0001394 Bestech Mall, Central Square, Upper Ground Floor, Sector – 57 Gurgaon, Gurgaon – 122002, Haryana
HDFC Bank SECTOR 4 – GURGAON HDFC0001717 SCF 36, Sector – 4, HUDA Market, Gurgaon – 122001, Haryana
HDFC Bank SECTOR 17 – GURGAON HDFC0001718 S – 37, S – 42, , HUDA Market, Sector 17A, , Gurgaon – 122001, Haryana
HDFC Bank DLF CITY COURT HDFC0001719 Shop No. 11, DLF City Court, Sikandarpur, Gurgaon – 122002, Haryana
HDFC Bank SOUTH CITY II HDFC0001721 Shop No. 4 – 8, D – Block, , Commercial Shooping Centre, , South City II, Gurgaon – 122002, Haryana
HDFC Bank PALAM VIHAR, GURGAON HDFC0002549 HDFC BANK LTD., VAISHALI ARCADE, COMMERCIAL CPLX, H-BLOCK MAIN ROAD, OPP. CELEBRITY HOMES, PALAM VIHAR, GURGAON HARYANA 122017
HDFC Bank SECTOR -44 GURGAON HDFC0002645 HDFC BANK LTD., 102, FIRST FLOOR , GREENWOOD PLAZA, SECTO R-45, GURGAON HARYANA 122002
HDFC Bank SUSHANT LOK, GURGAON HDFC0002686 HDFC BANK LTD., SHOP NO. 17-18 ANSAL PEACH TREE SUSHANT LOK-1, C- BLO CK GURGAON HARYANA 122002
HDFC Bank CYBER CITY II HDFC0002852 HDFC BANK LTD DLF BUILDING NUMBER 9B, GROUND FLOOR, DLF PHASE 2, GURGAON HARYANA 122002
HDFC Bank QUTUB PLAZA, GURGAON HDFC0002853 HDFC BANK LTD. 101, 101 A, FIRST FLOOR, QUTAB PLAZA, DLF-CITY, PH ASE-1, GURGAON HARYANA 122002
HDFC Bank FAZALWAS HDFC0003520 VILLAGE – FAZALWAS, DIST.GURGAON, HARYANA GURGAON HARYANA 122413
HDFC Bank SHIKOHPUR HDFC0003526 TOWN SQUARE SEC 82 A VATIKA INDIA NEXT VILLAGE SHIKOHPUR GURGAON HARYANA 122004
HDFC Bank NAHARPUR KASAN HDFC0003598 HDFC BANK LTD., VILL, NAHARPUR KASAN, GURGAON HARYANA 122004
HDFC Bank DHUNELA HDFC0003600 HDFC BANK LTD., VILL – DHUNELA, GURGAON HARYANA 122103
HDFC Bank SIKANDERPUR BADHA HDFC0003548 HDFC BANK LTD., VPO – SIKANDERPUR BADHA, DISTT – GURGAON, HARYANA GURGAON HARYANA 122004
HDFC Bank KADARPUR HDFC0003565 MAIN ROAD, VILLAGE AND PO KADARPUR, DISTT. GURGAON, HARYANA SOHANA HARYANA 122101
HDFC Bank BUDHERA HDFC0003579 CHANDU BUDHERA CHOWK, VPO BUDHERA, GURGAON, GURGAON HARYANA 123505
HDFC Bank BASKUSHLA HDFC0003444 HDFC BANK LTD VILLAGE BASKUSHLA, PO BHANGROLA, GURGAON HARYANA 122050
HDFC Bank DARBARIPUR HDFC0003558 HDFC BANK LTD VPO DARBARIPUR HALDIRAM ROAD GURGAON HARYANA 122001
HDFC Bank BUSINESS ZONE SEC 46 HDFC0003634 SHOP NO 10, TOWER C, UNITECH BUSINESS ZONE, NIRWANA COUNTRY, GURGAON HARYANA 122018
HDFC Bank EROS SECTOR 49 AND 50 HDFC0003654 EROS CITY SQURE, SHOP NO.39, 40, 41 AND 42, SECTOR 49 AND 50, GURGAON HARYANA 122001
HDFC Bank BEHRAMPUR HDFC0003663 HDFC BANK LTD VILLAGE BEHRAMPUR, GURGAON, GURGAON HARYANA 122001
HDFC Bank DT MEGA MALL HDFC0003666 UNIT NO 24 DT MEGA MALL GOLF COURSE ROAD DLF PHASE 1 GURGAON HARYANA 122002
HDFC Bank GOLF COURT EXTN ROAD SPLENDOR HDFC0003676 HDFC BANK LTD SPLENDOR TRADE TOWER GOLF COURSE EXTN RD SECTOR 65 GURGAON HARYANA 122001
HDFC Bank PALAM VIHAR III HDFC0003706 SHOP NO.14, 15, 48 AND 49, ANSAL CORPORATE PLAZA, PALAM VIHAR, GURGAON HARYANA 122017
HDFC Bank SECTOR 21 HDFC0003740 UNIT NO.4, SUNCITY TRADE TOWER, SECTOR 21, OLD DELHI GURGAON ROAD, GURGAON HARYANA 122001
HDFC Bank BINOLA HDFC0003770 HDFC BANK LTD, VILLAGE AND PO BINOLA, GURGAON, GURGAON HARYANA 122413
HDFC Bank DHANKOT HDFC0003813 HDFC BANK LTD VILLAGE AND PO DHANKOT, GURGAON, GURGAON HARYANA 122505
HDFC Bank DHARAMPUR HDFC0003814 VILLAGE DHARAMPUR DAULATABAD DHARAMPUR ROAD GURGAON HARYANA 122006
HDFC Bank Yamuna Vihar HDFC0000395 C-1/14 A,YAMUNA VIHAR, DELHI 110053
HDFC Bank Karol Bagh HDFC0000439 NO-2212,GALI NO 64-65,J BLOCK, NAIWALA, GURUDWARA ROAD, KAROL BAGH, NEW DELHI, DELHI 110005
HDFC Bank Naraina HDFC0000440 CC-31, COMMERCIAL COMPLEX, NARAINA IND AREA, PHASE I, NEW DELHI, DELHI 110028

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