Personal Loan in Kottayam

Salaried Self-Employed

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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!

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

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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!

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Minimum Turnover Should Be Rs. 3Lakhs!

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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 Kottayam

Overview of Personal Loan in Kottayam

Personal Loan in Kottayam is an unsecured loan which means you don’t need any guarantor or you don’t need to mortgage any of your property. You can use your Personal Loan in Kottayam in so many ways like study of your child, wedding, medical expenses, holiday etc. You can apply Personal Loan in Kottayam online for lower interest rates 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 should you opt for Personal Loan in Kottayam?

Kottayam is most popular for its thriving rubber industry and spice exports also a large amount of Kottayam’s economy is depending on it. This city is growing up by depending on the agriculture and different types of industries. This city is still developing. You can easily avail a Personal Loan in Kottayam. If you have high CIBIL Score and you are a salaried it will be easier to get a Personal Loan in Kottayam. You can apply online for Personal Loan in Kottayam. Personal Loan in Kottayam 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 Kottayam, private finance loans in Kottayam, cash loan in Kottayam, immediate cash loan in Kottayam, Personal Loan by Private financer in Kottayam, instant Personal Loan in Kottayam, Personal Loans in Kottayam are different kinds of Personal loans in Kottayam.

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

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

Eligibility Criteria for Personal Loan in Kottayam

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

Here are the eligibility criteria for Personal Loan in Kottayam.

Personal Loan in Kottayam 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 Kottayam

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

  • 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 Kottayam of different Financial Institutions

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

Banks

Loan Tenure

Interest Rates

Pre-Closure Charges

Processing Fees

Kotak Mahindra Bank Personal Loan in Kottayam

1-5 years

11.25%*

5% of outstanding principal.

Up to 2.5%

ICICI Bank Personal Loan in Kottayam

1-5 years

11.49%*

5% of outstanding principal + GST

Rs. 999*

SBI Personal Loan in Kottayam

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 Kottayam

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 Kottayam

1-5 years

14.75%*

NIL

Up to 3%

HDFC Bank Personal Loan in Kottayam

1-5 years

11.25%*

Between 2% to 4% of the outstanding principal.

Up to 2.50%

IndusInd Bank Personal Loan in Kottayam

1-5 years

12.99%*

4% of outstanding principal

Up to 2.50%

Indiabulls Venture Capital Personal Loan in Kottayam

1-5 years

11.99%*

5% if less than 6 Months.

Up to 5%

Axis Bank Personal Loan in Kottayam

1-5 years

15.50%*

NIL

Up to 2.00%

IDFC First Personal Loan in Kottayam

1-5 years

10.99%*

4% of outstanding

2% – 4%

Aditya Birla Capital Personal Loan in Kottayam

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 Kottayam

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 Kottayam

1-5 years

17.25%*

4% of outstanding Principal.

Up to 2%

Capital first Personal Loan in Kottayam

1-5 years

16%*

4% of outstanding

Up to 2.49% of the loan amount

ECL Finance Personal Loan in Kottayam

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 maximum amount is 15 lacs though its vary .
The minimum credit score is 750 to apply Personal Loan in Kottayam.
The flexible loan tenure for Personal Loan in Kottayam ranges from 1 to 5 years.
*Interest rate and Loan approval are subjected to band discretion and approval.

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