ICICI Bank Personal Loan Interest rates in Ranchi
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 Ranchi
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 Ranchi 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.
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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 Ranchi
Ranchi, the capital city of Jharkhand state is located on southern part of the Chota Nagpur plateau which forms the eastern edge of the Deccan plateau system. Ranchi has a hilly topography and is surrounded by dense tropical forests. Earlier the name of the district was Lohardaga with headquarter at Lohardaga, the present headquarter of a separate district.
Magadha Empire exercised indirect control over the territory, which lasted until the reign of the Ashoka. Kalinga rulers are believed to have ravaged the region during their expeditions to Rajgir and Pataliputra. which ruled Ranchi district and a larger part of Chota Nagpur Plateau as a sovereign king for almost next 1000 years.
With the expansion of the Mughal Empire, the sovereign status of the Nag Dynasty was technically affected, but they continued to rule and administer independently until the advent of the East India Company. During the period of the British Raj, adivasis and the local population of other ethnic backgrounds of Ranchi and other regions currently comprising the State of Jharkhand continued to oppose the subjugation by the British, and the region witnessed a number of uprisings and revolts.
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Places To Be Visited In Ranchi
Panch Gagh Falls
Located at about 55 kms from Ranchi, Panch Gagh Falls is on Ranchi-Chakradharpur Road. The waterfalls consist of five streams, which look awesome as they fall from a great height.
Jagannath Temple
The 17th century situated on hilltop is a major attraction in the city. Jagannath Templelooks very much like the Puri Jagannath Temple and it is considered the second largest Jagannath Temple next to Puri Temple.
Ranchi Lake
Ranchi Lake is located at the foot of Ranchi Hill, which is at the center of the city and hence tourists frequent this place in great numbers. The view of the hill and the vast expanse of water mesmerize you. The lake was excavated in 1842 by Colonel Onsley. Boating facilities are available here. It is a perfect place to unwind on a quiet evening watching the sunset as the cool breeze gently plays around.
Hundru Falls
It is quite natural to name a water fall as the number one destination in a land that is called ‘The City of Waterfalls’. Located at 45kms away from Ranchi, the spectacular waterfalls is a favorite tourist destination. The river Subarnarekha falls down from 320 feet height thus forming Hundru Falls.
Birsa Zoological Park
One of the best and considered to rank amongst the most beautiful zoos in the country,Birsa Zoological Park is worth every second you spend here. Spanning an area of 104 hectares of land, which is mildly uneven, the zoo is a real home to wild animals. It is just 16km away from the city’s center. Birsa Zoological Park is divided into two by National Highway. The larger area is the home of wild animals and the smaller area is thoroughly a botanical section. Some of the animals found in the zoo include lion, tiger, hyena, fox, wild cats, barking deer and elephants.
Sun Temple
Sun Temple is one of the most frequented tourist destinations in Ranchi. It is a wonderful display of architecture. With 18 wheels and driven by seven horses, the uniquely designed Sun Temple looks majestic. Sanskrit Vihar, a charitable trust constructed the temple.