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Features and benefits of a Personal Loan in Jaipur

ICICI Bank Personal Loan in Jaipur offers multiple features and benefits, making it an attractive choice for your financial needs:

Loan of up to Rs 50 lakh

Loan of up to Rs 50 lakh

You can avail a Loan of up to Rs 50 lakh to meet various financial expenses such as home renovation, wedding expenses or debt consolidation.

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No Security/Guarantor required

No Security/Guarantor required

Enjoy the convenience of ICICI Bank Unsecured Personal Loan, which does not require a collateral or guarantor, thus making the process hassle-free.

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Swift processing

Swift processing

Get swift approval and disbursement of the Loan, ensuring you receive the required funds without unnecessary delays.

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Minimal documentation

Minimal documentation

Minimal documentation is required to avail an ICICI Bank Personal Loan in Jaipur, which simplifies the application process.

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Attractive interest rates

Attractive interest rates

Benefit from the competitive interest rates, ensuring your repayments are manageable and cost-effective.

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Flexible repayment options

Flexible repayment options

Choose a repayment tenure that suits your unique financial situation, ranging from 12 to 72 months. This flexibility ensures that your repayment plan aligns with your needs.

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Discription of the Charges Charges applicable
Personal Loan Interest Rates 10.85% to 16.25% per annum

Documents required for a Personal Loan in Jaipur

Documents required for a Personal Loan in Jaipur

When applying for a Personal Loan in Jaipur, you need to provide certain documents based on whether you are a salaried or self-employed individual. Here is a checklist of the Personal Loan documents for both the categories:

  • Proof of Identity: Aadhaar Card & PAN Card (for both, salaried and self-employed)
  • Proof of Residence: Leave and Licence Agreement, Utility Bill (not over 3 months old) or Passport.
  • Bank Statement for the last 3 months (where the salary/income has been credited).
  • Salary slips for the last 3 months.

Eligibility criteria for a Personal Loan in Jaipur

Understanding the eligibility criteria is important:

  1. Age: Applicants should be between 20-58 years of age

  2. Net salary: Salaried individuals with a minimum monthly income of Rs 30,000 are eligible

  3. Total years in Job/Profession: A minimum of 2 years in your current job or profession is required.

  4. Duration of stay in the current residence: Applicants should have resided for a minimum of 1 year in their current location.

Personal Loan in Jaipur Interest, Fees & Charges

When applying for a Personal Loan in Jaipur, it is helpful to be aware of the associated fees and charges. Here is a breakdown of these charges:

Description of the charges Charges applicable

Loan Processing Charges/Origination Charges (Non-Refundable)

Up to 2.50% of the Loan amount plus applicable taxes

Additional Interest on Late Payment

5% Per Annum will be charged on the overdue EMI until repayment.

Repayment Mode Swap Charges

Rs 500/- per transaction plus applicable taxes

Loan Cancellation Charges

  1. NIL Cancellation within Free Look / Cooling off period (i.e. 15 days from Disbursement). PF will be Non Refundable.
  2. Cancellation post cooling Period & Before 1 EMI date (i.e. from 16th day till 1st EMI date) - Proportionate APR to be considered with max capping of ₹3000 /- (applicable for Digital Lending)
  3. Cancellation Fee of ₹. 3,000/- (applicable other than Digital Lending).

EMI Bounce Charges

Rs 500/- per bounce plus applicable taxes

Non-Maintenance of Mode of Payment (NMMP Charges)

Rs 800/- (Plus applicable taxes or statutory levies, if any). Charges levied on a monthly basis if the Loan repayment mode is inactive or irregular.

How to apply for a Personal Loan in Jaipur

Follow the steps given below to apply for a Personal Loan in Jaipur:

    Apply for a Personal Loan in Jaipur today and take the initial step towards realising your financial objectives. You can also apply through the iMobile Pay app