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    Thiruvananthapuram Personal Loan

    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 33 Thiruvananthapuram Personal Loan
    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    11.75% - 18.00% Fixed
    0 Bankbazaar Exclusive
    20L Max
    1-6 Years
    Response Time : Within 30 minutes
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    10.99% - 17.99% Fixed
    0
    30L Max
    1-5 Years
    Response Time : Within 30 minutes
    Accelerated Approval
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    20% - 22%  Fixed
    2.50%
    2L Max
    1-3 Years
    Response Time : Within 30 minutes
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    23% Fixed
    2% + Taxes
    10L Max
    1 - 2 Years
    Response Time : Within 30 minutes
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    11.25% - 21.50% Fixed
    Up to 2.5% One time fee
    40L Max
    1-5 years
    Response Time : Within 30 minutes
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    11.00% - 16.75% Fixed
    0 Bankbazaar Exclusive
    25L Max
    1-5 years
    Response Time : Within 30 minutes
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    11.25% - 19.99% Fixed
    Up to 2.5%
    25L Max
    1-5 years
    Response Time : Within 30 minutes
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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
    Response Time : Within 30 minutes
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    16% - 28% Fixed
    2% - 5%
    50K - 7.5L
    1-4 Years
    Response Time : Within 30 minutes
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    11.25% - 22.00% Fixed
    From .75% (min. ₹999 + applicable tax) One time fee
    20L Max
    1-5 Years
    Response Time : Within 30 minutes
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    14.99% - 14.99% Fixed
    Up to 2% One time fee
    20L Max
    1-5 years
    Response Time : Within 30 minutes
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    11.5% - 13.5% Fixed
    1% + applicable tax One time fee
    2L - 25L
    1-5 Years
    Response Time : Within 30 minutes
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    Thiruvananthapuram Personal Loan is Rated as "Great!" by 307 Users

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    Personal Loan BYTES FROM OUR KITCHEN

    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 27 May 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.

        

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    Thiruvananthapuram Personal Loan Reviews

    • Bank Bazaar Personal Loan
      "Good service"
      0.5 4.5/5 "Excellent!"
      The whole application process was easy and hassle free. I never had any issues with their services to be frank.I came to know about this website through online . Overall I am really happy with their services. Application process fast and got the card with in a week.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Apr 08, 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
    • Bank Bazaar Personal Loan
      "USER FRIENDLY PORTAL TO USE"
      0.5 5.0/5 "Blown Away!"
      It is the first time experience for taking the personal loan with the Bankbazaar.com and i have a very good experience with this portal. I am using it through the website as the portal is convenient also it is user friendly to access. The customer service is very good.
      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
    • Bank Bazaar Personal Loan
      "Very good service"
      0.5 5.0/5 "Blown Away!"
      It was a quite a good experience i had in getting with bank bazaar website . The website is also good and there were no hassles to get connected with the banks. It is user friendly and informative. This is my first time at Bank bazaar and the process is easy. There were no issues in this experience and they continued to follow up.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Mar 23, 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
    • Axis Bank Personal Loan
      "BETTER"
      0.5 4.0/5 "Great!"
      I have previously applied for the personal loan with the AXIS BANK the documentation process was simple and easy to get the loan but the rate of interest was very higher when compared to the others. They have given the loan amount which is good.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Mar 08, 2019
    • Bank Bazaar Personal Loan
      "USER FRIENDLY PORTAL TO USE"
      0.5 4.0/5 "Great!"
      It is the first time experience with the Bankbazaar.com as i am using it through the mobile application as the application is user friendly to access. The customer service and responsiveness is very good also they explain the details of the loan.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Mar 08, 2019
    • HDFC Bank Personal Loan
      "BETTER"
      0.5 4.0/5 "Great!"
      There is no particular reason for taking the personal loan with the HDFC BANK the documentation process was easy and i got the loan within 3-4weeks. The loan amount was good also the rate of interest was 15% with this loan approximately with this loan.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Mar 08, 2019
    • SBI Personal Loan
      "Very Good service"
      0.5 5.0/5 "Blown Away!"
      I have applied for a personal loan with STATE BANK OF INDIA. They charge 11.99% rate of interest and it is very satisfactory .The interest rate is pretty much same as that of other banks.Overall the whole process was easy and hassle free. I got my loan within 2 days.
      Was this review helpful? 9
      , thiruvananthapuram
      Reviewed on Mar 03, 2019
    • Bank Bazaar Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have been using BANK BAZAAR for while. I bought a loan from Bank Bazaar. Application process fast and got the card with in a week. The whole process was easy and hassle free. Overall I am really happy with their services. Mobile application is up to the mark .
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Mar 03, 2019
    • HDFC Bank Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      My personal loan was taken with HDFC BANK . I applied for 200000 but i just got 194000 they deduct some amount . There is some hidden charges . The rate of interest is 15% and it is nominal . The whole loan process was smooth as a breeze. Documentation was easy.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Mar 03, 2019
    • SBI Personal Loan
      "Good Loan Process"
      0.5 3.5/5 "Pretty good"
      Purchased my State bank of India personal loan long back and i have closed the loan 5 years back. I got the loan amount of Rs. 3 lakhs. Total tenure period of the policy 5 years. Comparatively its little difficult to get the personal loan from SBI. I'm satisfied with the service given by SBI.
      Was this review helpful? 11
      , thiruvananthapuram
      Reviewed on Jan 27, 2019
    • Axis Bank Personal Loan
      "Good Loan Service"
      0.5 4.0/5 "Great!"
      I bought the personal loan from Axis Bank. I got the loan 2 years before. I don't remember about the interest rate and processing fee. I have been paying the EMI of Rs. 11200 and i'm making the payment through ECS. Total tenure period of the loan is 5 years.
      Was this review helpful? 7
      , thiruvananthapuram
      Reviewed on Jan 27, 2019
    • Bank Bazaar Personal Loan
      "Easy to compare and use"
      0.5 5.0/5 "Blown Away!"
      I am happy with the bankbazaar.com process and it was my first time. I came to know through online. I have checked the credit score and it was helpful. I have installed mobile app, the customer service and response was immediate and I never had any issues
      Was this review helpful? 1
      , thiruvananthapuram
      Reviewed on Jan 14, 2019
    • HDFC Bank Personal Loan
      "Average"
      0.5 3.0/5 "Satisfactory"
      I have applied the personal loan from HDFC Bank through online portal. The process was lengthy and email was not clear which am not expected. The rate of interest and the processing fee was okay. The process was not long and it was moderate. I can do the foreclosure and part payment anytime.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Jan 14, 2019
    • Bank Bazaar Personal Loan
      "One market place for all banking needs"
      0.5 5.0/5 "Blown Away!"
      Bank Bazaar is a good site to compare all the personal loan, credit card and other financial products in one market place, the customer executives are also prompt and polite on the calls. I am very happy with Bank bazaar, in future I would like go head with them for the financial need need. But it would be great if they analyze the exact interest.
      Was this review helpful? 1
      , thiruvananthapuram
      Reviewed on Jan 05, 2019
    • HDFC Bank Personal Loan
      "Interest rate should be reduced"
      0.5 5.0/5 "Blown Away!"
      At the beginning I used to get the message from HDFC, stating the interest rate would be around 10% for the personal loan. Finally they have quoted me the interest rate around 15% for the loan amount of Rs. 4.5 lakhs with the tenure of five years, the emi amt comes around rs. 10718. They have taken processing fee around Rs. 8000 on my disbursement.
      Was this review helpful? 1
      , thiruvananthapuram
      Reviewed on Jan 05, 2019
    • Bank Bazaar Personal Loan
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      It has been a very good experience with bank Bazaar and i had been using the website of them and it had been easy in using it. Their customer support also had been very good and there has been a good response which they had been providing so far. Overall through them it had been a good experience i had with them.
      Was this review helpful? 1
      , thiruvananthapuram
      Reviewed on Jul 26, 2018
    • ICICI Bank Personal Loan
      "Very Good Service"
      0.5 4.0/5 "Great!"
      My Salary account had been with ICICI and that was the reason i had chosen to go with them. The process in getting this loan has been smooth and easy. But it has taken some more time than usual. The interest rate with them had been good where it was around 12.99% and the loan amount of 2,00,000 which they had provided had been good as well.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Jul 26, 2018
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