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  • Thiruvananthapuram Personal Loan

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  • Trivandrum as it is also called, Thiruvananthapuram is the capital of Kerala and home to a large number of banks that offer personal loans and other financial products at attractive terms. With interest rates starting from just 10.99% and tenures extending up to 5 years, banks in Thiruvananthapuram offer personal loans up to Rs.30 lakh, thereby making it easy for you to meet any immediate financial requirements you may have.
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    We found 17 Thiruvananthapuram Personal Loan
    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    10.75% - 21.45% Fixed
    Up to 2.5% One time fee
    40L Max
    1-5 years
    Ad 100% PAPERLESS APPROVAL
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    10.50% - 17.99% Fixed
    0.50% - 3.00%
    30L Max
    1-5 Years
    Ad Accelerated Approval
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    25.00% - 32.00% Fixed
    3.00% + taxes One time fee
    75K - 5L
    Upto 4 years
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    10.99% - 15.49% Fixed
    0 Bankbazaar Exclusive
    20L Max
    1-6 Years
    100% PAPERLESS APPROVAL
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    18.00% - 36.00% Fixed
    2% - 3% + taxes One time fee
    1L - 5L
    Upto 5 years
    Only KYC docs required
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    11.99% - 25% Fixed
    3%- 6% One time fee
    25L Max
    1-5 Years
    100% PAPERLESS APPROVAL
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    13% - 30% Fixed
    0 Zero Processing Fee
    2L Max
    0 - 4 Years
    What you'll love
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    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    10.50% - 16.99% Fixed
    Up to 2.5%
    25L Max
    1-5 years
    100% PAPERLESS APPROVAL
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    11.00% - 16.75% Fixed
    0 Bankbazaar Exclusive
    25L Max
    1-5 years
    100% PAPERLESS APPROVAL
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    16.5%-20% Fixed
    Up to 2% or minimum ₹2,000 (whichever is Max) One time fee
    15L Max
    1-5 Years
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    16% - 28% Fixed
    2% - 5%
    50K - 7.5L
    1-4 Years
    100% PAPERLESS APPROVAL
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    23% Fixed
    2% + Taxes
    10L Max
    1 - 2 Years
    What you'll love
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    Thiruvananthapuram, is the capital of the state of Kerala and one of the most important cities in the South of India. The city with around 7,50,000 inhabitants has come of age in recent years with the IT sector booming in the region. Thiruvananthapuram boasts of 80% of state’s software exports, which makes it a major IT hub not only in Kerala but the whole of South India.Thiruvananthapuram, which is known to be a multicultural city and a major education centre as well.It was termed the “Evergreen City of India” by Mahatma Gandhi and it’s not difficult to understand why. It is after all one of the ten Greenest City in the country, according to recent reports

    A personal loan is a kind of unsecured loan which can be used for any purpose that the borrower deems necessary. An unsecured loan is an umbrella term used for loans which do not require collateral. Banks, credit unions, and other financial institutions offer personal loans on an ongoing basis.

    Documentation needed to apply for an Thiruvananthapuram Personal Loan

    • 1. Photo ID and age proof
    • 2. Signed application form with photograph
    • 3. Residence proof
    • 4. Last 6 months bank statement
    • 5. Documentation for salaried applicants:
      • Last 3 months salary – slips
      • Form 16 or Income Tax Returns
    • 6. Documentation for self-employed applicants:

      • Last 3 years Income Tax Returns with computation of Income
      • Last 3 years CA Certified / Audited Balance Sheet and Profit & Loss Account

    Thiruvananthapuram Personal Loan Interest RatesUpdated on 24 Oct 2019

    Thiruvananthapuram Personal Loan Details
    Interest Rate (Monthly reducing balance) 13.49% - 34%
    Processing Fees 0.5-2.5%
    Loan Tenure 1 year to 5 years
    Pre-closure Charges 2% - 5%
    Guarantor Requirement No guarantor required

    Personal Loan in Thiruvananthapuram

    Trt to personal loans to purchase products or services that they otherwise would not be able to afford on their salaries and savings alone. Some of the most common reasons for the people of Thiruvananthapuram to avail personal loans include home renovation or refurbishment, investment in home appliances or vehicles, to pay for their weddings or the weddings of their loved ones, etc. The list of reasons could go on and on, but if one thing is certain, it is that the number of individuals who avail personal loans in the city has increased considerably since the turn of 2010.

    Personal Loan Offered by Various Banks in Thiruvananthapuram

    An increasing number of private as well as public sector banks and non-banking institutions in Thiruvananthapuram have opened their doors to individuals who seek personal credit. Some of the leading institutions include Citibank, Standard Chartered, Capital First, Tata Capital, HDFC Bank, ICICI Bank, Oriental Bank, IndusInd, Fullerton, Kotak Mahindra, Aditya Birla, Allahabad Bank, Bank of Baroda, Bank of India, Canara Bank, Central Bank, Dena Bank, IDBI Bank, Indian Bank, Indian Overseas Bank, Karur Vysya, South Indian Bank, State Bank of India, Tamilnad Mercantile Bank, UCO Bank, Union Bank, Vijaya Bank, Yes Bank, etc. If you’re seeking personal loans in Thiruvananthapuram, consider these banks as they offer the best terms and conditions in the city.

    How to Get a Personal Loan with the Lowest Interest Rate in Thiruvananthapuram

    There are few factors to consider when applying for a personal loan and availing competitive interest rates. The lender from whom you choose to borrow will determine the interest rate applicable to your credit. But before drafting an application for a personal loan, it is essential to ensure that you have a good credit rating. Credit scores in excess of 750 will make it fairly easy for you to get a relatively high amount with a considerably low interest rate. The higher you’re score, the lower your interest rate and vice-versa. It is also essential to carefully assess your financial requirements before applying for a loan as taking an amount higher than you need will mean that you will have to pay interest for an unnecessary sum. Similarly, taking an amount lower than your actual requirements will mean that you will probably have to avail another loan and thereby pay interest towards that as well.

    Personal Loan Interest Rates in Thiruvananthapuram 2018

    A number of leading public and private sector banks in Thiruvananthapuram offer personal loans to the residents of the city. Following are the interest rates offered by the top banks for personal loans in Thiruvananthapuram:

    Bank Interest Rate
    Citibank 10.99% to 15.99% (Fixed)
    Standard Chartered 11.25% to 14.49% (Fixed)
    Capital First 12% to 18% (Fixed)
    Tata Capital 11.99% to 19.50% (Fixed)
    ICICI Bank 11.59% to 18.49% (Fixed)
    Oriental Bank 10.85% to 11.85% (Floating)
    HDFC Bank 11.49% to 19.8% (Fixed)
    IndusInd Bank 11.99% to 19% (Fixed)
    Fullerton 17.25% to 37% (Fixed)
    Kotak Mahindra 11.49% to 20.15% (Fixed)
    Aditya Birla 11.5% to 13.25% (Fixed)
    Allahabad Bank 13.10% (Fixed)
    Bank of Baroda 11.35% to 14.35% (Fixed)
    Bank of Maharashtra 12.75% (Fixed)
    Bank of India 13% to 14% (Fixed)
    Canara Bank 12.75% (Floating)
    Central Bank 11.4% (Floating)
    Dena Bank 13% to 14% (Fixed)
    IDBI Bank 12.45% (Floating)
    Indian Bank 12.65% to 13.65% (Floating)
    Indian Overseas Bank 13.65% (Fixed)
    Karur Vysya 13.35% to 15.85% (Floating)
    South Indian Bank 13% (Fixed)
    State Bank of India 12.90% to 14.90% (Fixed)
    Tamilnad Mercantile Bank 14.30% to 16.30% (Floating)
    UCO Bank 11.35% to 11.60% (Fixed)
    Union Bank 14.4% (Floating)
    Vijaya Bank 13.50% (Fixed)
    Yes Bank 14% (Fixed)

    Salary Requirements to avail Personal Loans in Thiruvananthapuram

    Each lender has its requirements when it comes to sanctioning a personal loan to a salaried or self-employed applicant. While salaried employees in Thiruvananthapuram are required to earn between Rs.7,500 and Rs.50,000 a month to avail a personal loan, self-employed individual will have to show an income of Rs.1 lakh to Rs.2 lakhs in annual earnings if they are to gain access to credit.

    Thiruvananthapuram Personal Loan FAQs

    1. Is there a processing fee applicable to a personal loan?

      Yes. Personal loans are usually granted for a fee ranging from 0.5% to 2.5% of the amount you wish to borrow.

    2. What is the maximum amount of money that can be borrowed through a personal loan?

      The maximum amount offered by a bank will depend on a number of factors, but most banks limit their lending to a maximum of Rs.5 lakhs to Rs.30 lakhs.

    3. How long can I take to repay a personal loan?

      Customers are free to choose their tenure for a personal loan based on their repayment capacity. In most cases, banks offer a tenure ranging from one year to five years.

    4. Do salaried individuals have to be of a certain age to avail a personal loan?

      Yes. Lending institutions require borrowers to be between 21 years of age and 60 years of age to ensure that they have the ability to repay the amount borrowed. They also check for proof of income.

    5. What documents will I need to apply for a personal loans?

      Banks and financial institutions require your KYC documents, ID proof and address proof along with your bank statement, income proof and a passport sized photograph.

    A GST rate of 18% will be applicable on banking services and products from 01 July, 2017.

        

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    Thiruvananthapuram Personal Loan Reviews

    • HDFC Bank Personal Loan
      "Unhappy with interest rate"
      0.5 5.0/5 "Blown Away!"
      I took a personal loan from HDFC BANK through online channel. The interest rate is very higher and they have charged me around 19% excluding processing fee. I opted the loan of 2L for 2 years. The documentation process was simple. The loan was disbursed on time.
      Was this review helpful? 2
      , thiruvananthapuram
      Reviewed on Oct 17, 2019
    • Fullerton
      Fullerton Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have applied for Fullerton personal loan through Online .I have not availed this loan since not having salary slip .I have got all the required details about the loan process ,I was not having any issue with the rate of interest and the processing fee .I am comfortable with the service so far .
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Oct 13, 2019
    • Fullerton Personal Loan
      "Good Loan service"
      0.5 4.0/5 "Great!"
      I want the loan an emergency basis so i have chosen Fullerton but the interest rate is more which is more than 17% hence i withdrawn the loan from them and i got the loan from other bank. I had applied the loan amount of Rs. 3 lakhs. They have provided me tenure period of 5 years. The executive responded me properly when i applied the loan.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Sep 30, 2019
    • Fullerton Personal Loan
      "Not Satisfied"
      0.5 1.0/5 "Really Bad"
      I have applied for Fullerton personal loan through Online .I have submitted the documents and after that there was no update from fullerton hence dropped the plan of taking this loan .I was not having any issues with the rate of interest and the processing fee.I have got all the required information about the loan process through the agent as well,
      Was this review helpful? 2
      , thiruvananthapuram
      Reviewed on Sep 29, 2019
    • Fullerton Personal Loan
      "Better"
      0.5 3.0/5 "Satisfactory"
      Fullerton needed a net payment of 20K to process the personal loan but after deduction, in hand I will be getting 19,500 rupees which does not match their norms so my loan got rejected. I have not submitted any documents so far and i did not get any information about the interest rate.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Sep 29, 2019
    • Fullerton Personal Loan
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      I have applied for Fullerton personal loan through Online .I have not availed this loan since the rate of interest and the processing fee was very high.There was no callback and proper response as well .I have got all the required information about the loan process through the agent .
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Sep 28, 2019
    • HDFC Bank Personal Loan
      "Good Service"
      0.5 4.0/5 "Great!"
      I have applied for HDFC Bank personal loan through Online.I have not availed this loan since not comfortable on English and Tamil ,I was comfortable on Malayalam and informed the agent to arrange callback from Malayalam executive but not got any callback due to this reason dropped the plan.I have not submitted any of my documents.There was no proper callback from bank end as well .
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Sep 28, 2019
    • Fullerton Personal Loan
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I have applied for Fullerton personal loan through Online .I have not availed this loan since dont have payslip and as well the Pay statement . I was not having any difficultues with the rate of interest and the processing fee .I have got all the details abut the loan process through the gent .
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Sep 25, 2019
    • Fullerton Personal Loan
      "Good Loan service"
      0.5 3.5/5 "Pretty good"
      The call is not connected properly with a Fullerton customer care service when i try to contact them. Since i get a loan easily, i bought the loan from them. I had applied the loan amount of Rs. 2 lakhs and actually i have applied through online but there is no follow up from the Fullerton end. I have submitted the documents also.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Sep 25, 2019
    • HDFC Bank Personal Loan
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I have taken personal loan directly through HDFC Bank directly.The rate of interest and the processing fee was high since had requirement taken this loan.I have got the loan amount on time and it was sufficient and there was no difficulties faced so far .I have got all the details about the loan process through the agent .
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Sep 21, 2019
    • HDFC Bank Personal Loan
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      I have HDFC Bank personal loan which was applied through Online.I have not taken this loan since my close relative passed away and i was not having current address proof and i was not available in trivandrum so due to these reason not availed this loan .Other than that there were no issues with rate of interest .
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Sep 20, 2019
    • HDFC Bank Personal Loan
      "Good Loan"
      0.5 4.0/5 "Great!"
      I had applied the loan amount of Rs. 5 lakhs from HDFC without any specific reason. They have provided me a interest rate of 15%. From bank side, they have rejected the loan for that they have not given any reason. I have chosen the duration of 4 years.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Sep 20, 2019
    • HDFC Bank Personal Loan
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have applied for HDFC Bank personal loan through Online .I have not taken this loan since left the job.I have not submitted any documents .The agent gave all the information about the loan process very clearly .There was no callback and response from Bank end .Other than that everything was smooth.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Sep 14, 2019
    • HDFC Bank Personal Loan
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      I have applied for HDFC Bank personal loan which was applied through online .The agent gave all the information about the loan process ,The rate of interest and the processing fee was not an issue,customer service is also good and the loan amount was got on time I have submitted the documents through the gent and not yet faced any difficulties.
      Was this review helpful? 1
      , thiruvananthapuram
      Reviewed on Aug 12, 2019
    • HDFC Bank Personal Loan
      "Ease of getting a loan"
      0.5 4.0/5 "Great!"
      The offer came on my way from HDFC bank based on my profile hence i took the loan with them. They have sent a person to collect the documents in my place and his response was fine. I didn't visit any branch till now. They have sanctioned the loan in 4 days. I find the overall experience with HDFC is fine for me.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Aug 09, 2019
    • HDFC Bank Personal Loan
      "Easy and Quick Loan"
      0.5 5.0/5 "Blown Away!"
      Interest rate also bit higher compared to others. I got a offer from HDFC. I have taken the loan amount of Rs. 1.5 lakhs. It was a quick disbursement from HDFC. I have chosen the tenure period of the loan is 5 years. Documentation process was smooth.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Aug 08, 2019
    • HDFC Bank Personal Loan
      "Need to decrease charges"
      0.5 4.0/5 "Great!"
      I have taken a personal loan with HDFC bank on 2 months before which was processed through an online.The rate of interest and processing fee are bit high for this loan. The verification process was good and sanctioned the loan on time with sufficient amount for the duration of 4 years.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Aug 06, 2019
    • HDFC Bank Personal Loan
      "Good service"
      0.5 4.5/5 "Excellent!"
      I have taken my personal loan with HDFC BANK . The rate of interest and there were processing charges as well both are very nominal compare to others in the market . The process was quick and I got the loan on time. The tenure period is fine and it is sufficient .
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Apr 08, 2019
    • HDFC Bank Personal Loan
      "EXCELLENT"
      0.5 4.0/5 "Great!"
      The documentation process was simple and i got the loan within 3 days. The loan amount was good also the rate of interest was 12% with this loan. The duration fort repaying the loan is or 5 years. The customer service is good with this loan.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Apr 08, 2019
    • HDFC Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I applied for a personal loan with HDFC BANK and my application was processed on time.Interest rate is high in the market and Their net-banking works just great. I just can call to their number and they resolve over the phone. The tenure period is 3 year.
      Was this review helpful? 1
      , thiruvananthapuram
      Reviewed on Mar 23, 2019
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