icici bank personal loan in delhi2019-01-17T10:32:22+00:00
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icici bank personal loan in delhi

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FLEXIBLE EMI OPTION

LOAN UP TO 40 LAKHS

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Give Details Online to get instant advice on best offers for your Loan requirement.

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
ICICI BANK 11.49% – 20% 1%-2.5% of loan amount 12-60 mths 50k-25 lakhs
HDFC BANK 11.49% – 20% 0.5%-2.5% of loan amount 12-60 mths 50k-30 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 offers from ICICI Bank for the Residents of Delhi

The ICICI Bank is a household name; it is the second largest private in India. With a widespread network of branches it provides ready financial assistance to the citizens of our country.

ICICI bank provides a wide range of products for all lifestyle requirements. It is the largest facilitator of Personal Loans forwarded to the salaried class for an emergency requirement or fulfilment of personal needs.

Convenient & speedy finance is available to residents of New Delhi via Personal loans from ICICI Bank. Personal loans are unsecure loans & demand no security or guarantees, they can be used as desired. ICICI Bank markets personal loans for the salaried & business loans for the self employed as its primary product. All individuals having a bank account with ICICI Bank or with any other Bank can apply for a Personal loan from ICICI Bank, if the profile meets the eligibility criteria.

The rate of Interest & other terms & conditions offered for a Personal loan from ICICI Bank are most favourable as compared to competition, with a well organised & efficient system in place urgent requirements can be met & loans disbursed within 72 hours.

For processing of personal loans from the Delhi, New Delhi & the NCR region the ICICI Bank has a centrally located, spacious office premise located at the Videocon towers.  All process are centrally monitored & housed under one roof which facilitates communication & transparent processing.

On receiving a personal loan application it is immediately checked for any missing documents or pendency’s & is immediately put into process: the applicant is informed by SMS & email on receipt of the application, the further progress & the final decision promptly.

We at Yourloanadvisors.com are well versed with the Personal Loan policies of ICICI Bank & are ready to provide doorstep deliver of your Personal Loan.

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 ICICI BANK BRANCHES IN DELHI FOR PERSONAL LOAN

Bank Branch IFSC Code Branch Address
ICICI Bank NEW DELHI – SOUTH EXTENSION II ICIC0000396 D – 16, SOUTH EXTN II, NEW DELHI 110024
ICICI Bank NEW DELHI – SUNDER NAGAR ICIC0000400 19, SUNDER NAGAR MARKET, NEW DELHI 110003
ICICI Bank DELHI AZADPUR ICIC0000423 INDRAPRASTHA BHAWAN, 17/18 GROUND FLOOR, NEW SUBZI MANDI, AZADPUR, DELHI 110033
ICICI Bank NEW DELHI – ROHINI, SECTOR 9 ICIC0000488 SD SHOPPERS ARCADE, PLOT NO 1, COMMUNITY CENTER, ROHINI SECTOR – 9, DELHI.110085
ICICI Bank NEW DELHI – BASANT LOK ICIC0000542 ICICI BANK LTD., 49, BASANT LOK, VASANT VIHAR, NEW DELHI 110057
ICICI Bank NEW DELHI – VASANT KUNJ ICIC0000547 INDIAN SPINAL INJURIES CENTRE (ISIC), OPPOSITE SECTOR C, VASANT KUNJ, NEW DELHI.110070
ICICI Bank NEW DELHI – N B C C ICIC0000548 ICICI BANK TOWER, NBCC PLACE, BISHAM PITAMAH MARG, PRAGATI VIHAR, NEW DELHI.110003
ICICI Bank NEW DELHI – PALAM ICIC0000571 SHIV VANI SR SEC SCHOOL, MAHAVIR ENCLAVE, DWARKA, NEW DELHI.110045
ICICI Bank NEW DELHI – NAJAFGARH ICIC0000713 1643 – A, THANA ROAD, NAJAFGARH. 110043
ICICI Bank DELHI – LAJPAT NAGAR, 4 ICIC0000714 ICICI BANK LTD , 17 – A, RING ROAD, LAJPAT NAGAR 4, NEW DELHI.110024
ICICI Bank DELHI ICIC0000716 ICICI BANK LTD., A – 233, OKHLA PHASE – 1, NEW DELHI. 110020
ICICI Bank NEW DELHI – GUJRANWALA TOWN ICIC0000717 ICICI BANK LTD., A – 4, GUJRANWALA TOWN, PART 1. NEW DELHI.110009
ICICI Bank NEW DELHI – EAST OF KAILASH ICIC0000719 ICICI BANK LTD., D – 138 , EAST OF KAILASH, NEW DELHI. 110019
ICICI Bank DELHI (KALKA JI) ICIC0000720 L 12, KALKAJI, DELHI – 1100019 DELHI
ICICI Bank DELHI – I P EXTENSION ICIC0000721 ICICI BANK LTD., PLOT 2, LSC, MANDAWALI, FAZALPUR, NEAR MAX BALAJI HOSPITAL, I P EXTENSION, DELHI. 110092
ICICI Bank DELHI (PAHARGANJ) ICIC0000722 RG CITY CENTER, PLOT NO. – 4, COMMUNITY CENTER, MOTIA KHAN, PAHARGANJ, NEW DELHI – 110085
ICICI Bank NEW DELHI – SHAHDARA ICIC0000723 ICICI BANK LTD , SG – 33, 34, 35, 36, ADITYA NEGA MALL, PLOT 9D, CENTRAL PREMISES, DIST.SHAHDARA , DELHI 110092
ICICI Bank NEW DELHI – SARASWATI VIHAR ICIC0000724 ICICI BANK LTD, VARDHAMAN PREMIUM MALL, LSC, DEEPALI, SARASWATI VIHAR, NEW DELHI 110085
ICICI Bank NEW DELHI – GURUHARKISHAN NAGAR ICIC0000826 ICICI BANK LTD , M – 495, GURUHARKISHAN NAGAR, PASCHIM VIHAR, NEW DELHI. 110083
ICICI Bank DELHI ICIC0000827 ICICI BANK LTD., D – 16, PRASHANT VIHAR, NEW DELHI. 110085
ICICI Bank NEW DELHI – ROHINI SECTOR 24 ICIC0000828 ICICI BANK LTD., MAMRAM MAGIC MALL, PLOT NO – CSC/OFC4, ROHINI SEC – 24, NEW DELHI. 110019
ICICI Bank DELHI (VIVEK VIHAR) ICIC0000829 B – 130, VIVEK VIHAR NEW DELHI – 110092
ICICI Bank NEW DELHI – LAWRENCE ROAD ICIC0000830 ICICI BANK LTD , RG CITY MALL LSC, BLOCK – B, LAWRENCE ROAD, NEW DELHI 110085
ICICI Bank DELHI – LAXMINAGAR ICIC0000831 ICICI BANK LTD. B – 21 – OPP. V3S MALL – GROUND FLOOR – MAHARAJA BANQUET – LAXMINAGAR – DELHI 110092
ICICI Bank NEW DELHI – ROHINI SECTOR 15 ICIC0000842 ICICI BANK LIMITED., PLOT NO. 8 POCKET, 8 B SECTOR, 15 ROHINI DELHI. 110085
ICICI Bank DWARKA, SECTOR – 6, DELHI ICIC0000843 ICICI BANK LTD., PLOT NO. 5 & 6, LSC – 3, DWARKA, SEC – 06, DELHI – 110075
ICICI Bank DELHI (KIRTINAGAR) ICIC0000928 A – 2, KIRTI NAGAR – 110015, DELHI
ICICI Bank DELHI – NARELA ICIC0000929 ICICI BANK LTD., P – 63 A, ALIPUR ROAD, DELHI., 110040
ICICI Bank DELHI ICIC0001004 ICICI BANK LTD , 27/6, NAGIA PARK, SHAKTI NAGAR, NEW DELHI.110007
ICICI Bank NEW DELHI – TILAK NAGAR ICIC0001005 ICICI BANK L4 B /13 TILAK NAGAR , NEW DELHI. 110018
ICICI Bank ALAKNANDA ICIC0001023 ICICI BANK LTD., D – 1 , ALAKNANDA SHOPPING COMPLEX , NEW DELHI. 110019
ICICI Bank DELHI ICIC0001024 ICICI BANK LTD., E – 5/19, KRISHNA NAGAR, DELHI. 110051
ICICI Bank DELHI ICIC0001037 ICICI BANK LTD , B1 – VASANT SQUARE MALL, VASANT KUNJ, NEW DELHI 110070
ICICI Bank NEW DELHI – KAROL BAGH ICIC0006291 2692, DESHBANDHU GUPTA ROAD, KAROL BAGH, NEW DELHI. 110005
ICICI Bank NEW DELHI – RAJOURI GARDEN ICIC0006293 J 12/18, RAJOURI GARDEN, NEW DELHI 110027
ICICI Bank NEW DELHI – ROHINI ICIC0006298 GARG PLAZA, 5 COMMUNITY CENTRE, SECTOR 8, ROHINI DELHI. 110085
ICICI Bank NEW DELHI – DEFENCE COLONY ICIC0006300 B – 78, DEFENCE COLONY, NEW DELHI. 110024
ICICI Bank NEW DELHI – UTTAM NAGAR ICIC0006301 ICICI BANK LTD, C – 5, VISHAL ENCLAVE, NAJAFGARH ROAD, NEW DELHI – 110027. 110027
ICICI Bank NEW DELHI, DELHI ICIC0001354 ICICI BANK LTD., E – 1, VIDEOCON TOWERS, JHANDEWALAN EXTENSION, RANI JHANSI ROAD, NEW DELHI – 110055
ICICI Bank PITAMPURA, NEW DELHI ICIC0001694 ICICI BANK LTD., 168, LOK VIHAR, PITAMPURA, NEW DELHI – 110034.
ICICI Bank DELHI MAYUR VIHAR WEALTH, DELHI ICIC0001649 ICICI BANK LTD., B – 8/G 41 LSC, MAYUR VIHAR, PHASE – I NEW DELHI 110091
ICICI Bank DELHI PUNJABI BAGH, DELHI ICIC0001648 ICICI BANK LTD., 24, NWA CLUB ROAD, PUNJABI BAUGH EXTENSION, DELHI – 110026
ICICI Bank DELHI GK II, DELHI ICIC0001643 ICICI BANK LTD, M – 79 GK PART – 2 NEW DELHI – 110048
ICICI Bank DELHI – VASUNDHARA ENCLAVE, DELHI ICIC0001640 ICICI BANK LTD., F4 & 5, CSC, NEAR NAV JAGRUTI GHS, DALLUPURA/CHILLA, DDA MARKET, VASUNDHARA ENCLAVE, DELHI – 110096
ICICI Bank DWARKA SEC 11 ICIC0001639 ICICI BANK LTD., PANKAJ ARCADE, SHOP G – 3 – 6, PLOT NO.5, MLU, SECTOR – 11, POCKET – 4, DWARKA, DELHI – 110075
ICICI Bank NEW DELHI REGHARPURA NCR ICIC0001358 ICICI BANK LTD., 5437 ARYA SAMAJ ROAD, REGHARPURA, KAROL BAGH, NEW DELHI – 1100005
ICICI Bank NEW DELHI – DURGAPURI CHOWK, DELHI ICIC0001355 ICICI BANK LTD., B – 10 WEST JYOTI NAGAR, NEAR DURGAPURI CHOWK, SHAHADRA, DELHI – 110094
ICICI Bank MALVIYA NAGAR, NEW DELHI ICIC0001136 ICICI BANK LTD., C – 32 MALVIYA NAGAR, NEW DELHI – 110017

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