ICICI Bank Personal Loan Interest rates in Coimbatore
1,000,00 To 10,000,00 | |
---|---|
CAT A | 10.25% |
CAT B | 10.75% |
CAT C | 11.25% |
Others | 15.50% |
Super CAT A | 10.25% |
Features of ICICI Bank Personal Loan Coimbatore
Type | Features |
---|---|
Processing Fee | Up to 1.25% |
Pre Closure Charges | Nil |
Part Payment Charges | Nil |
Min Tenure | 1 Years |
Max Tenure | 5 Years |
Min Age | 23 Years |
Max Age | 58 Years |
Min Loan Amount | Rs.1,00,000/- |
Max Loan Amount | Rs.20,00,000/- |
ICICI Bank Personal Loan Coimbatore Charges
Type | Charges |
---|---|
E M I Bounce Charges | Rs. 400/- per bounce |
Duplicate Statement Charges | Rs. 200/- |
Cheque Swapping Charges | Rs. 500/- |
Issue Amortization Schedule Duplicate | Rs. 200/- |
Default Interest Rate | 24.0% p.a |
Documentation For Personal Loan
For Salaried Persons
- Filled Application form
- Identity Proof (PAN CARD)
- Address Proof
- Latest 3 months Payslips
- Job Continuity Proof
- 2 Passport Size colour Photographs
- Co-Applicant identity proof, Address Proof
- Co-Applicant relationship Proof and Photograph
- 6 months Bank Statements
- 3 Post Dated Cheques/ECS Mandate
- Property Related documents
For Self Employed/Professionals
- Filled Application form
- Identity Proof
- Address Proof
- Last 2 years Income Tax Returns
- Professional/Self employed existence proof for more than 3 years
- 2 Passport Size colour Photographs
- Co-Applicant identity proof, Address Proof
- Co-Applicant relationship Proof and Photograph
- 6 months Bank Statements
- 3 Post Dated Cheques/ECS Mandate
- Property Related documents
Identity Proof For Personal Loan
- Passport
- Driving License
- PAN card
- Photo credit card (with embossed Signature and last two months statement)
- Banker's sign verification
Age Proof For Personal Loan
- PAN Card
- Passport
- License
- School leaving certificate
- Voter card
- Birth Certificate
- LIC policy (only for age Proof)
Income Proof For Personal Loan
- Latest salary slip
- Current dated salary Certificate with latest form 16.
- Latest year IT Returns with Tax Audit reports(For Self Employed applicants)
Address Proof For Personal Loan
- Latest salary slip
- Current dated salary Certificate with latest form 16.
- Latest year IT Returns with Tax Audit reports(For Self Employed applicants)
Job Continuity Proof For Personal Loan
- Form 16
- Relieving letter
- Appointment Letter (for last two months)
- Last 6 months of VAT/Service Tax returns (For Self Employed Applicants)
Banking History For Personal Loan
- Bank statements of latest 2 months
- 3 months bank passbook
ICICI Bank Personal Loan FAQ's
What are the minimum and maximum loan amounts?
You can avail of loans ranging from Rs 50,000/- to Rs 15,00,000/- depending on your eligibility, income and repayment capacity.
What are the loan tenure options?
The loan can be repaid over a period of 12 to 60 months.
Are there any additional charges?
A processing fee of 2% to 2.25% depending on the company you are employed in and location of the loan will be levied. This fee will be deducted from the disbursal amount payable to you.
How much time will it take for my loan to be approved?
Loans are approved within 72 hours of submission of complete documentation.
Do I have to provide any security, collateral or guarantors?
No security, collateral or guarantors are required for obtaining Personal Loans.
How do I repay the loan?
You can repay the loan in Equated Monthly Installments (EMI's) through post-dated cheques favouring ICICI Bank Limited, or if you have an ICICI Bank account you can mandate us to directly debit the same or by ECS ( Electronic Clearing Services) with any other Bank
Can I prepay my loan?
Yes, you can prepay the entire loan outstanding anytime after paying 6 installments. Prepayment charges as applicable would be levied on the outstanding loan amount. No part prepayment is allowed.
How do I approach ICICI Bank for a Personal Loans?
"You can approach us in any of the following ways Apply Online Write to us using the Email Us option Call us at our 24 hour Customer Care Centre You can just walk into any of our branches. Receive a call "
Can I get a Personal Loan for business purpose?
Yes ICICI Bank offer Personal Loan for business purpose, to self employed individuals as well.
What is the procedure to prepay my Personal Loan?
"For prepayment of your Personal Loan account, please visit our nearest ICICI Bank branch. We request you to carry with you the following documents to complete the process: Request Letter signed by the loan applicant PAN Card (if the mode of payment is cash and the amount is more than Rs.50,000) Payment can be made through cash, cheque or demand draft. "
How can I prepay my Personal Loan as I am unable to visit branch?
"In case you are unable to visit our branch for prepayment of your loan, you can send your representative along with an authority letter duly signed by the loan applicant, for payment. The co-applicant or third party visiting the branch for closing the loan needs to carry the documents mentioned below: Main applicant Identification proof (Driving License or Passport or Voters card or PAN Card) Authorisation letter from main applicant. "
Do you offer top up on existing Personal Loans?
ICICI Bank offer Top Up facility if you have paid 12 EMI on the existing Personal Loan.
Do you offer Balance Transfer facility ?
ICICI Bank offer Balance Transfer Facility if you have paid 12 EMI. Please contact your nearest branch or our call center for further details.
How can I obtain my un-banked PDC or Security PDCs?
In the event of the applicant's/s' wishes: to procure the post-dated cheques and / or security post dated cheques that remain un-banked at the end of the loan tenure / change of repayment mode; or details of such un-banked post dated cheques and / or security post dated cheques, the applicant/s must make a request for the same, within thirty days of closure of loan / change of repayment mode. If this is not done, ICICI Bank shall have the discretion / responsibility to destroy the un-banked post dated cheques including security post dated cheques without any further notice and ICICI Bank shall not have the obligation to return the same to the Applicant/s.
How do I update my mailing address, mobile number or e-mail ID registered under my loan account?
"You may update your mailing address, mobile number or e-mail ID through any of the following modes: Through Internet Banking: STEPS: Login to www.icicibank.com with your user ID and password Click on the ""Loans"" option Click on the ""Requests"" option Select the option ""Request for Address Change"" or ""E-mail and contact number updation"" Through our Customer Care: Call our 24-hour Customer Care and our executive will be glad to help you. At any ICICI Bank branch: Visit any ICICI Bank loan branch with a valid photo ID proof and submit an application. Apply online for an ICICI Bank Personal Loan With ICICI Bank Personal Loans, you can get instant money for a wide range of your personal needs like renovation of your home, marriage in the family, a family holiday, your child's education, buying a laptop, medical expenses or any other emergencies. With minimum documentation, you can now avail a personal loan for an amount up to Rs. 15 lakhs at attractive rates of interest. You may update your mailing address, mobile number or e-mail ID through any of the following modes: Through Internet Banking: "
Wedding Loans
Weddings have always been a thought provoking affair. The effort that goes into the planning - hotel booking months in advance, jewellery shopping for different occasions, wedding invitations, deciding on the caterers and much more.
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Home Renovation
Home is where “your” story begins. All your dreams of making your place into a lovely home can be fulfilled easily now. Start making your place a more beautiful one with ICICI Bank Personal Loan for Home renovation.
Designing interiors or home improvement can bring with it a lot many hassles already such as deposit for the contractor, costs and quality raw materials, hiring an interior decorator/planner and above all, putting your own efforts to make all your dreams come alive in those four walls. But with ICICI Bank Personal Loan for Home renovation, insufficient funds would no longer be an issue.
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Holiday Loan
A dream vacation that you always wanted to do with your family or friends can now be availed instantly with ICICI Bank Personal Loan at attractive rates. The loan comes with full freedom to choose the desired destination by taking care of your travel expenses.
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Personal Loan - NRI
Be it a dream wedding or renovating your home, we understand your needs and offer you the opportunity to make life picture perfect with ICICI Bank Personal Loan for NRI.
Benefits of ICICI Bank Personal Loan for NRI:
No security / collateral required
Avail loan up to ? 10 lakh
Simplified documentation
Interest rates starting from 15.49% p.a.*
Applicant to be a resident Indian and the co-applicant NRI to be a close relative
Quick processing and disbursal
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About ICICI Bank
The Bank provides a range of commercial banking and project finance products and services, including loan products, fee and commission-based products and services, deposit products and foreign exchange and derivatives products to corporations, middle market companies and small and medium enterprises in India. Its commercial banking operations for retail customers consist of retail lending and deposit taking and distribution of third party investment products. It also offers agricultural and rural banking products.
ICICI Bank Highlights
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Why to Avail Personal Loans?
Expert Advice
Best Practices for Personal Loan
Things not to do for Personal Loan
Factors that affect interest rates on Personal Loan
Personal Loan Advantages and Disadvantages
Personal Loan Advantages:
Personal Loans Disadvantages:
10 Things to Keep in Mind While Taking a Personal Loan
About Coimbatore
Coimbatore City (Kovai in Tamil language) is one of the top 10 fastest growing cities of India. Coimbatore is the district capital. It is situated on the banks of river Noyal, a tributary of river Cauvery. There are more than 25,000 small, medium, large scale industries and textile mills.Coimbatore has six taluks namely Coimbatore(North), Coimbatore(South), Mettupalayam, Sulur, Pollachi and Valparai and two revenue divisions of Coimbatore and Pollachi.
Coimbatore is famous for Universities, Engineering Colleges, Medical, Textiles-Yarn, Knitted Garments, Handlooms, Textile Machinery, Motors, Pumps, Industrial goods, Cotton, Tea, and Software. The shopping malls like Brookefields and Fun Republic are popping up in Coimbatore.Existence of Coimbatore can be traced back to 2nd Century AD as a small tribal village capital called Kongunad.
Places To Be Visited In Coimbatore
Marudamalai Temple
Marudamalai Temple is dedicated to the Hindu deity Lord Murugan or Kartikeya and is situated atop a hill of the same name. The hills are a part of the Western Ghats and the surroundings are picturesque to look at. The Temple complex is built in a unique Dravidian style which is 1200 years old and its colorful gopuram is amazing to look at. It is also considered that the hills are a home to various types of medicinal herbs.
Eachanari Vinayagar Temple
Lord Vinayagar or Ganesh is the main deity of the temple. Eachanari Vinayagar Temple is considered to be consecrated in 1500 AD. Temple is famous to its massive 6 foot tall idol of lord Ganesha and is one of the biggest idols of the deity in south India. The best time to visit the temple is during the Hindu festival of Ganesh Chaturthi.
Siruvani Waterfalls
Located near the dam built on the Siruvani River, the Siruvani Waterfalls are located 35 kilometers west from Coimbatore. The Siruvani River’s water is considered to be one of the best tasting in the world and is one of the top most attractions in Coimbatore.
Parambikkulam Wildlife Sanctuary
Parambikkulam Wildlife Sanctuary is located at the Western Ghats and is bordered by the states of Kerala and Tamil Nadu. The protected forests are spread across 285 square kilometers. Parambikkulam Wildlife sanctuary is also a tiger reserve and a protected habitat of several endangered species. The forests are also a home to 4 tribes which are indigenous to this area.
Perur Pateeswarar Temple
Perur Pateeswarar Temple is dedicated to the Hindu deity Lord Shiva and was built by the Cholas and is considered to be thousands of years old. The stone carvings inside the temple and its pillars are breathtaking and are few of the finest specimens of the art. The temple is said to be located at the spot where Lord Shiva himself performed the ‘Tandav’ dance. The golden statue of Lord Natraja (Shiva) is also one of the major attractions here.
Aliyar Dam
At a distance of 64 Kms from Coimbatore,Aliyar Dam is a charming location surrounded by Annamali Hills with wonderful natuarl views. It is located between Pollachi and Valparai.Built across Aliyar River between 1959 and 1969, the primary purpose of the dam is to support irrigation. The height of the dam is 81 meters. There is a well maintained park built at bottom of the Dam.