Personal Loan in Kerala

Salaried Self-Employed

Please Enter Required Loan Amount

Minimum Loan amount is Rs.15,000 !

Maximum Loan amount is Rs.75 Lakhs !

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Salary should be Minimum Rs.10,000!

Salary should be Maximum Rs.10 Crores !

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Minimum Turnover Should Be Rs. 3 Lakhs!

Turnover Limit Exceeded !

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Interest rate start 10.75% * Upto 40 Lacs
Loan Duration: 12 – 60 months*

Enter Loan amount!

Minimum Loan amount is Rs.15,000 !

Maximum Loan amount is Rs. 75 Lakhs!

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Enter Your Monthly Salary!

Salary should be Minimum Rs.15,000!

Salary should be Maximum Rs.10 Crore!

Enter Your Turnover!

Minimum Turnover Should Be Rs. 3Lakhs!

Your Turnover Limit Exceeded!

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Interest rate start 10.75% * Upto 40 Lacs
Loan Duration: 12 – 60 months*

4.5 /5(500 Votes)

Personal Loan in Kerala

Overview of Personal Loan in Kerala

There are so many Personal Loan providers in Kerala who offers personal loan with low interest rates. A Personal Loan can be helpful in so many ways from medical emergencies, education, holiday, and wedding. You can apply online personal loan in Kerala for lower interest rate and minimal documents. Personal Loan in Kerala is an unsecured loan or you also can say it personal loan without security in Kerala. To get instant approval you can apply for Instant Personal Loan in Kerala. Personal Loan without CIBIL Check in Kerala is impossible. To avail Personal Loan without documents in Kerala apply online. Personal Loan in Kerala starts from Rs. 25,000 to Rs. 25,00,000. By checking online you can avail best Personal Loan in Kerala.

Why you should opt for Personal Loan in Kerala?

Kerala is one of the largest states of India both in economy and as a place. Kerala has 14 districts. The unique tradition and beauty of this place attract so many tourists here. You can avail Personal Loan in Thiruvanathapuram Kerala, Personal Loan in Kollam Kerala, Personal Loan in Alappuza Kerala, Personal Loan in Pthanamthitta Kerala, Personal Loan in Kottayam Kerala, Personal Loan in Idukki Kerala, Personal Loan in Ernakulam Kerala, Personal Loan in Thrissur, Personal Loan in Palakkad Kerala, Personal Loan in Malappuram Kerala, Personal Loan in Kozhikode Kerala, Personal Loan in Wayanad Kerala, Personal Loan in Kannur, Personal Loan in Kasaragod, Personal Loan in Cochin. You can avail Personal Loan in Kerala easily if you are from any of these districts and you have higher CIBIL Score and you are a salaried it will be easier to get a Personal Loan in Kerala. You can apply online for Personal Loan in Kerala. Personal Loan in Kerala is offered by many lending institutions of India which includes Bank and NBFC both in lowest interest rates. In addition to that, they provide money lenders loans in Kerala, private finance loans in Kerala, cash loan in Kerala, immediate cash loan in Kerala, Personal Loan by Private financer in Kerala, instant Personal Loan in Kerala, Personal Loans in Kerala are different kinds of Personal loans in Kerala.

Here are some points that why you should go for Personal Loan in Kerala.

  • You don’t have to mortgage any of your security to avail a Personal Loan in Kerala
  • You do not need any guarantor at Personal Loan in Kerala
  • Personal Loan in Kerala comes with lower interest rates; the processing fees are minimum and no hidden charges.
  • You can check your Personal Loan in Kerala application status and your Personal Loan in Kerala eligibility just in a second from home by just clicking a button from your home or office.
  • You can repay your Personal Loan in Kerala from 12 months to 60 months.
  • You can avail Personal Loan in Kerala up to Rs. 25 lakh (varies).
  • To avail a Personal Loan in Kerala you don’t need give a purpose to any institutions. There is no specific purpose to avail a Personal Loan in Kerala.
  • In your emergency needs you can easily avail instant Personal Loan in Kerala, cash loan in Kerala or immediate cash loan in Kerala.
  • If you are self-employed you can easily avail Personal Loan for Self-employed in Kerala.

Eligibility Criteria for Personal Loan in Kerala

It is not much hard to avail Personal Loan in Kerala you just need minimum eligibility to avail a Personal Loan in Kerala. You must maintain a good Credit score to avail Personal Loan in Kerala. If you are applying for Personal Loan in Kerala at a younger age you have chance to make your interest rate lower.

Here are the eligibility criteria for Personal Loan in Kerala.

Personal Loan in Kerala Eligibility Criteria

Salaried

Self-Employed

Age

21-60 years

25-65 years

Income

Min- Rs. 20,000 or Rs. 25,000

Min Turnover- Rs. 1 crore

Profession

Working in MNCs, private sector or government organization

Business Professionals, private or public ltd. companies, partnership firms etc.

Work Experience

Minimum 2 years of experience with at least 1 year in the present company

Business Continuity for a minimum of 3 to 5 years

CIBIL score

750 or above

750 or above

Loan Amount

Up to Rs. 25 lakhs (different for various financial institutions)

Up to Rs. 30 lakhs (varies according to the financial institution)

Documents required for Personal Loan in Kerala

Following are the common set of documents which you need to submit while applying for Personal Loan in Kerala-

  • Duly filled application form.
  • Passport size photograph.
  • ID proof- PAN card, AADHAR card, Driving License.
  • Residential proof- Any latest utility bill like Electricity bill, Gas bill. Passport.
  • For Salaried Individuals

    • Bank Statement of the last 6 months.
    • Copy of Form 16 and Receipt of Income Tax.
    • Salary slips of last 3 months.
  • For Self-employed

    • ITR copy of the past three years.
    • Verified copy of Partnership Deed/Memorandum and Articles of Association/ Trade License/Sales Tax Certificate
    • Copy of Profit & Loss statement, Balance Sheet of last 2 years

Interest Rates for Personal Loan in Kerala of different Financial Institutions

Following are some of the financial institutions which offer Unsecured Personal Loan in Kerala online at an attractive interest rate

Banks

Loan Tenure

Interest Rates

Pre-Closure Charges

Processing Fees

Kotak Mahindra Bank Personal Loan in Kerala

1-5 years

11.25%*

5% of outstanding principal.

Up to 2.5%

ICICI Bank Personal Loan in Kerala

1-5 years

11.49%*

5% of outstanding principal + GST

Rs. 999*

SBI Personal Loan in Kerala

1-5 years

12.50%*-16.60%*

3% of the prepaid amount (after 1st EMI)

Up to 3% of the loan amount

YES Bank Personal Loan in Kerala

1-5 years

14%*

Within 12 to 24 months: 4% Within 24 to 36months: 3% Within 36 to 48 months: 2% After 48 months :No charges.

2% or 3% of the principal

Bajaj Finserv Personal Loan in Kerala

1-5 years

14.75%*

NIL

Up to 3%

HDFC Bank Personal Loan in Kerala

1-5 years

11.25%*

Between 2% to 4% of the outstanding principal.

Up to 2.50%

IndusInd Bank Personal Loan in Kerala

1-5 years

12.99%*

4% of outstanding principal

Up to 2.50%

Indiabulls Venture Capital Personal Loan in Kerala

1-5 years

11.99%*

5% if less than 6 Months.

Up to 5%

Axis Bank Personal Loan in Kerala

1-5 years

15.50%*

NIL

Up to 2.00%

IDFC First Personal Loan in Kerala

1-5 years

10.99%*

4% of outstanding

2% – 4%

Aditya Birla Capital Personal Loan in Kerala

1-5 years

11.75%*

4% of principal outstanding in 1st year, 3% in the 2ndyear, and thereafter preclosure Permitted after 6 months.

1% of principal.

TATA Capital Personal Loan in Kerala

1-6 years

13.99%*

4.5% of the outstanding principal. And NIL for the initial 6 months

Up to 2%

Fullerton India Personal Loan in Kerala

1-5 years

17.25%*

4% of outstanding Principal.

Up to 2%

Capital first Personal Loan in Kerala

1-5 years

16%*

4% of outstanding

Up to 2.49% of the loan amount

ECL Finance Personal Loan in Kerala

1-5 years

17.50%*

4% of principal amount outstanding+GST

Up to 2% of the loan amount

*Interest rates change time to time.

FAQ’s

The factors which affect the interest rate on Personal Loan in Kerala are- the credit score, your applying age, your net take-home salary or business turnover, financial debts (if any) and also your repaying capacity.
The minimum credit score is 750 to apply Personal Loan in Kerala.
The flexible loan tenure for Personal Loan in Kerala ranges from 1 to 5 years.
*Interest rate and Loan approval are subjected to band discretion and approval.