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LOAN UP TO 40 LAKHS
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HOW IT WORKS
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 |
|---|---|---|---|---|
 |
11.49% – 20% | 0.5%-2.5% of loan amount | 12-60 mths | 50k-30 lakhs |
 |
11.49% – 20% | 1%-2.5% of loan amount | 12-60 mths | 50k-25 lakhs |
 |
11.99% – 22% | 2% of loan amount | 12-60 mths | 50k-20 lakhs |
 |
11.75%-20% | 0.25-1% of loan amount | 12-60 mths | 1-25 lakhs |
 |
11.99% – 22% | 2% of loan amount | 12-60 mths | 50k-15 lakhs |
 |
10.75% – 18% | 0.5%-2.5% of loan amount | 12-60 mths | 50k-30 lakhs |
 |
13% – 16% | 2% of loan amount | 12-60 mths | 1-25 lakhs |
 |
11.50% – 18% | 0.5%-2% of loan amount | 12-60 mths | 50k-25 lakhs |
 |
11.50% – 18% | 0.5%-2.5% of loan amount | 12-60 mths | 50k-30 lakhs |
 |
12.5% – 22% | 2% of loan amount | 12-60 mths | 50k-20 lakhs |
 |
11.50% – 18% | 999/- 2% of loan amount | 12-60 mths | 50k-20 lakhs |
 |
13.5% – 20% | 1% – 3.5% of loan amount | 12-60 mths | 50k-20 lakhs |
 |
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 OVERVIEW
HDFC Bank is the leading provider of Personal Loans to all applicants residing & working in NOIDA. Personal Loans are unsecured loans; the customer does not have to give any security or guarantee to secure funds. The funds received via a Personal Loan can be used for any personal need such as a family wedding, celebration or holiday & any emergency requirement.
HDFC Bank provides personal loan to applicants with a net salary of 20k per month being transferred to the salary account. It is not mandatory for an applicant to have an account with HDFC Bank to apply for a personal loan: The applicant needs to provide a copy of the current bank statement showing the salary credited with the other requisite documentation to process a personal loan with HDFC bank.
HDFC Bank processes personal loan applications of first time applicants with no previous CIBIL record or history, if other parameters are as per the HDFC Bank policy requirements .
An applicant can apply for the following Personal Loan types:
A fresh personal loan.
Personal Loan as a Top Up amount to the existing loan.
A secondary loan known as a Parallel loan.
Balance transfer of a Personal Loan from an external bank to HDFC.
The ‘Golden Edge’ – Personal Loan for high income applicants applying for 10 lakhs & above.
The process for a personal loan with HDFC Bank is transparent & hassle free, the decision for an approval or decline of an application is conveyed to an applicant within 72 hours.
The rate of interest offered by HDFC Bank for a personal loan is competitive & terms are the most convenient.
Yourloanadvisors offers its services to all personnel in NOIDA to apply for personal loan to HDFC bank; we provide end to end services with an active feedback at stages of the process.
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.
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.
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.
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SOME HDFC BANK BRANCHES IN NOIDA FOR PERSONAL LOAN
| Bank | Branch | IFSC Code | Branch Address |
|---|---|---|---|
| HDFC Bank | Sector- 18 Noida | HDFC0000088 | Ansals Fortune Arcade, K Block, Sector 18, Near Atta Peer, Noida – 201301, Uttar Pradesh |
| HDFC Bank | Sector-62 Noida | HDFC0000394 | C56 / 38, Sector – 62, Near Logix Park, Noida – 201306, Uttar Pradesh |
| HDFC Bank | Sector-26 Noida | HDFC0000651 | D – 118, , Sector – 26, Noida – 201301, Uttar Pradesh |
| HDFC Bank | Sector- 50 Noida | HDFC0000728 | B – 1 / 51 And 60, Sector 50, Noida – 201301, Uttar Pradesh |
| HDFC Bank | Sector- 110 Noida | HDFC0000930 | A2 / 1, , Commercial Complex, Sector 110, Noida – 201304, Uttar Pradesh |
| HDFC Bank | Sector- 63 Noida | HDFC0000975 | H 1A / 12, Sector 63, Noida – 201306, Uttar Pradesh |
| HDFC Bank | Sector- 19 Noida | HDFC0001223 | A – 1, , Sector 19, Noida – 201301, Uttar Pradesh |
| HDFC Bank | Amar Public School | HDFC0001292 | Ps – 2 B, Arun Vihar, Sector 37, Noida – 201303, Uttar Pradesh |
| HDFC Bank | Sector- 16 Noida | HDFC0001351 | B – 222 – 223, Dynamic House, Sector 16, Noida – 201301, Uttar Pradesh |
| HDFC Bank | Sector-18 Noida | HDFC0001592 | G 28 / 29, Sector – 18, Noida, Adjacent to Kotak Mahindra Bank, Sector 18, Noida – 201301, Uttar Pradesh |
| HDFC Bank | Sector- 51 Noida | HDFC0001603 | B – 1A, 26 & 27, , B – Block Market, Sector 51, Noida – 201301, Uttar Pradesh |
| HDFC Bank | Sector- 127 Noida | HDFC0001900 | IHDP Building, Sector 127, Noida – 201301, Uttar Pradesh |
| HDFC Bank | Noida Sec 29 (Ganga Shopping Complex) | HDFC0004715 | Shop No 63-66, Ganga Shopping Complex, Block No 2, Sector 29 Noida-201301 |
| HDFC Bank | Shahpur Govardhan | HDFC0003174 | Khasra no -28 Shahpur Goverdhanpur Bangar Tahsil-Sadar G.B Nagar 201304 |
| HDFC Bank | Noida-Sec-19 | HDFC0001223 | Shop No-6-7-8 X-1A Market Behind Metro Hospital sector – 12 Noida 201301 |
| HDFC Bank | Noida -Sec. 26 | HDFC0000651 | D-118 Sector-26 Dist.Gautam Budh Nagar Noida 201301 |
| HDFC Bank | Noida Sector-50 | HDFC0000728 | B-1/51 & 60, Sector-50, Distt.Gautam Budh Nagar Noida 201301 |
| HDFC Bank | Noida APS | HDFC0001292 | HDFC Bank Limited Shop No.8, B-127 Sector-41 Noida -201303 |
| HDFC Bank | Noida Sec 16 | HDFC0001351 | B-222-223, Dynamic House, Sector-16, Noida 201301 |
| HDFC Bank | Noida Sec 51 | HDFC0001603 | B-1/A 26 and 27 Sector 51 Noida 201301 |
| HDFC Bank | Sec-1 – Noida | HDFC0000018 | HDFC Bank Ltd Bk-11, Sector-1, Noida 201301 |
| HDFC Bank | Noida Sec 44 | HDFC0001898 | HDFC Bank Limited Sec 15/15 A Sec 44 Noida -201301 |
| HDFC Bank | Noida Sec 84 | HDFC0001900 | HDFC Bank Limited B 27 A Sec 84, Hosiery Complex Noida -201301 |
| HDFC Bank | Noida Sector 62 | HDFC0002649 | HDFC Bank Limited C-25, Stellar IT park, Sec 62, Noida , U P Noida 201306 |
| HDFC Bank | Noida Sector 93 | HDFC0002830 | HDFC Bank Limited Plot No. – 3, Eldeco Studio Apartments Sector – 93A Noida 201301 |
| HDFC Bank | Chhaprauli Bangar | HDFC0003083 | Khasra No.203,Main Road,Chhaprauli Bangar Tehsil Sadar,Noida 201305 Noida 201305 |
| HDFC Bank | SEC 141 – Shahdara | HDFC0003104 | Main Road Village Shahdara Sector 141 Noida Opposite paras tera residential appartments Noida-201306 |
| HDFC Bank | Lakhnawali | HDFC0003112 | Main Road, Vill – Lakhnawali Post – Surajpur, Tehsil- Dadha (Near Itbp Camp) Noida 201306 |
| HDFC Bank | Kudi Khera | HDFC0003173 | Main Road, Kuri Khera Post – Bambawad, Tehsil – Dadri Near Dadri Airforce Station Noida-203207 |
| HDFC Bank | Sector – 119 | HDFC0004349 | Hall No – 9 Gaur Grandeur Sec- 119 Noida UP Dist – Gautam Buddha Nagar Pin – 201301 |
| HDFC Bank | Sector-46,Tulip Mall | HDFC0004792 | HDFC Bank Ltd,B-156A, Tulip Mall, Sector-46, Noida ,UP 201303 |
| HDFC Bank | Sector – 132 | HDFC0004393 | 4003 &4004 EXPRESS TRADE TOWER 2, B36 SEC 132 NOIDA 20130 |
| HDFC Bank | Parthala Khanjarpur | HDFC0003388 | KHASRA No.216 &60, R.P.Market, Village Parthala Khanjarpur, Sec-122 Noida-201301 |
| HDFC Bank | Noida Sec 104 | HDFC0004394 | Shop No 1, ATS One Hamlet Sector 104 Noida-201301 |