Multiple banks. Different interest rates. Call it a "conflict of interest".
  • loading

    We found 32 Thiruvananthapuram Personal Loan
    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    10.99% - 14.49% Fixed
    0 to ₹1,180
    30L Max
    1-5 years
    Response Time : Within 30 minutes
    Rs.1,000 Amazon voucher free Ad
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    11.49% - 21.00% Fixed
    0 One time fee
    20L Max
    1-6 Years
    Response Time : Within 30 minutes
    Rs.1,000 Amazon voucher free Paperless approval available
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    10.99% - 20.70% Fixed
    Up to 2.5% One time fee
    25L Max
    1-5 years
    Response Time : Within 30 minutes
    Paperless approval available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    12.99% - 12.99% Fixed
    Up to 2% One time fee
    20L Max
    1-5 years
    Response Time : Within 30 minutes
    Rs.1,000 Amazon voucher free Paperless approval available
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    10.99% - 17.99% Fixed
    2.25% (min. ₹1,499 + applicable tax) One time fee
    20L Max
    1-5 Years
    Response Time : Within 30 minutes
    Rs.1,000 Amazon voucher free Paperless approval available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    13.49% - 19.99% Fixed
    Up to 2%
    Upto 25L
    1-5 years
    Response Time : Within 30 minutes
    Rs.1,000 Amazon voucher free Paperless approval available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    10.65% - 11.65% Floating
    0.5% One time fee
    50 K - 10 L
    1-5 Years
    Response Time : Within 30 minutes
    Guarantor Required Paperless approval available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    14% - 33% Fixed
    1.5% to 6.0% One time fee
    15L Max
    1-4 Years
    Response Time : Within 30 minutes
    Paperless approval available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    10.99% - 15.99% Fixed
    Up to 0.5%
    30L Max
    1-5 Years
    Response Time : Within 30 minutes
    Rs.1,000 Amazon voucher free
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    10.99% - 17.99% Fixed
    Up to 2.5%
    15L Max
    1-5 years
    Response Time : Within 30 minutes
    Rs.1,000 Amazon voucher free
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    11.00% - 13.75% Fixed
    1% One time fee
    30L Max
    1-5 Years
    Response Time : Within 30 minutes
    Rs.1,000 Amazon voucher free
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    12% - 19% Fixed
    Up to 3% One time fee
    25L Max
    1-5 years
    Response Time : Within 30 minutes
    Rs.1,000 Amazon voucher free Paperless approval available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
     Loading your search... Loading your search...
  • Thiruvananthapuram Personal Loan is Rated as "Great!" by 277 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Personal Loan BYTES FROM OUR KITCHEN

    Thiruvananthapuram Personal Loan

    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.


    You’re probably eligible for an Thiruvananthapuram Personal Loan if you are

    01
    02
    03
    04
    Thiruvananthapuram Personal Loan Minimum Age

    At least 21 years old

    Thiruvananthapuram Personal Loan Maximum Age

    Less than 65 years old

    Thiruvananthapuram Personal Loan Eligible Employment Type

    Salaried / Self – Employed
    with regular income

    Thiruvananthapuram Personal Loan Minimum Income

    Earn more than the minimum
    income required


    Your Thiruvananthapuram Personal Loan amount eligibility is based on these factors

    01
    02
    03
    Thiruvananthapuram Personal Loan Minimum Salary

    Minimum income required
    Rs.17,500 per month

    Thiruvananthapuram Personal Loan Maximum Loan Funded

    Maximum allowed personal loan is Rs. 50K to Rs. 30 lakhs

    Thiruvananthapuram Personal Loan EMI

    EMIs of other loans lower
    your eligibility


    Increase your eligible Thiruvananthapuram Personal Loan amount by these steps

    01
    02
    Thiruvananthapuram Personal Loan Payoff Outstanding Credit Card Bills

    Pay off your credit card bills

    “Thiruvananthapuram

    Choose longer tenure loan up to 5 years


    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 11 Dec 2017

    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
    Apply for Personal Loan

    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 2017

    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.


    Check For Latest: Today's Gold Rate in Trivandrum Or Today's Silver Rate in Trivandrum

    Thiruvananthapuram Personal Loan Reviews

    • Bank Bazaar Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      It was a good experience with bankbazaar so far, they provide good services when compared to all other banking websites. I know bankbazaar.com from last 3 months. Customer service from bankbazaar was good and their response was also good. The only drawback i found is, at the time of calling back, it takes long time to reach to the customer service. The mobile application is easy to use and is user friendly.
      Was this review helpful? 1
      , thiruvananthapuram
      Reviewed on Dec 07, 2017
    • ICICI Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      My personal loan application was approved with ICICI bank and it was overall a good loan experience. The process was quite long, it took 15 days for the loan amount to get approved. Customer service was good and they followed up correctly, documents were submitted online. They charge a penalty of 5% on preclosure and the rate of interest of 15.99% was high when compared to other banks.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Dec 07, 2017
    • Bank Bazaar Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      Bank bazaar is user friendly it has various financial products. customer executives are prompt in sharing the information.The website is easy to access and they give many offers as per the financial requirements.I got my first product through bank bazaar.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Dec 07, 2017
    • HDFC Bank Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have taken a personal loan with Hdfc bank.The loan amount is 2.50 lakhs,rate of interest is 16% earlier they had promised to give 14% ,I am not happy with rate of interest.They had processed the loan within three days they were quick.Net banking is convenient make payments.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Dec 07, 2017
    • Bank Bazaar Personal Loan
      "Easy way to get a Personel Loan and useful to all."
      0.5 4.0/5 "Great!"
      I heard about bankbazaar.com from the year 2012. I have got mails from you. It is a very useful thing, to get personal loan, when peoples are very much need of it. Applying for a personal loan online is very easy. Your customer care executives are also very much helpful. Overall it is good thing for middle class people. I will share my feedback about this to my friends and relatives also, those who are urgent need of money can make use of this site. Thanks!!!
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Nov 06, 2017
    • YES Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I had received a good service from YES bank for my personal loan service. I got the loan amount of 3.8k interest what they offered is low when compared to others in the market which is 11.99% it was about twelve months I have taken the loan service from YES bank but they wont negotiate with their interest rate it was totally a good experience with YES bank on my personal loan service.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Nov 06, 2017
    • Bank Bazaar Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I know about Bankbazaar.com service for the past eight years the service was very good customer service was fine, I applied through Bankbazaar.com website which was easy for navigate ,I am totally happy with Bankbazaar.com service for my personal loan service.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Nov 06, 2017
    • ICICI Bank Personal Loan
      "Average service "
      0.5 2.0/5 "Expected more"
      I already have an on-going personal loan with ICICI ,so they cancelled my loan process till the on going loan was completed further there was no proper response from ICICI for my personal loan service but the customer service was good. Therefore, it was totally a fine experience with ICICI for my personal loan service.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Nov 06, 2017
    • Bank Bazaar Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I had a very good experience with Bankbazaar.com compare to others in the market Bankbazaar.com website was good customer service was fine it was about six months I came to know about Bankbazaar.com service still now I never find any difficulty with the service of Bankbazaar.com.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Oct 31, 2017
    • ICICI Bank Personal Loan
      "Average service"
      0.5 3.5/5 "Pretty good"
      They said my profile was not eligible as per bank criteria as the salary I am getting was not sufficient to process for the loan further but interest rate was fine and the customer service was good, I would like to say it was a average service from ICICI for my personal loan service.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Oct 31, 2017
    • Bank Bazaar Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Bank bazaar provided me a very good service. This is the first time, I know through internet. The calls was proper and continuous. Mobile application was useful and its informative. My credit score was checked through bank bazaar, which is good.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Oct 28, 2017
    • ICICI Bank Personal Loan
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have approached ICICI Bank for personal loan. They called me on time. The customer service and response was proper. My net salary is not sufficient to process the loan. Minimum net salary of 20K is required . ROI was nominal, but some banks are giving lesser interest rate than ICICI.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Oct 28, 2017
    • Bank Bazaar Personal Loan
      "Experience is good"
      0.5 5.0/5 "Blown Away!"
      Bankbazaar is good and there were no hassles. It was a very fast process and there has been no issues. The team contacted me and informed me the details and also followed up regularly. I had no issues in navigating though the portal. It worked fast and easy.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Oct 12, 2017
    • Fullerton Personal Loan
      "Overall process is good"
      0.5 4.5/5 "Excellent!"
      I have taken a personal loan from Fullerton and the process is excellent. I got the loan on time and I am happy that the loan amount that was disbursed as per my request. I was also comfortable with the interest rate and processing charges. It is normal.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Oct 12, 2017
    • Bank Bazaar Personal Loan
      "good financial advisor"
      0.5 4.0/5 "Great!"
      I had a good experience with bank bazaar.I have been using it for the past three months over a short span of time i felt the service is satisfactory.Good e banking website to use.It helps the customer to choose the right product and get quick response from them.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Oct 07, 2017
    • ICICI Bank Personal Loan
      "Best banking"
      0.5 2.0/5 "Expected more"
      I had applied for personal with ICICI bank,no proper response from the bank.I tried calling the customer service they didn't update me regarding the status. My suggestion to the bank is follow up with the customer and fulfill the requirements on time.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Oct 07, 2017
    • Axis Bank Personal Loan
      "High on Interest rates"
      0.5 3.0/5 "Satisfactory"
      The Interest rates are very high with Axis bank in regards to the personal loan . When I have applied for the loan they took around 10 days to disburse my loan amount. The have offered me a loan with the interest rate of 18.9%. The customer service is average with Axis bank. This loan has the tenure of 4 years.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Oct 05, 2017
    • Bank Bazaar Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I am getting very good response from bank bazaar. I have used bank bazaar mobile application to apply for the personal loan , which is easy to use and user friendly. The customer service has reached me within 2hours of time after I gave my requirement in the bank bazaar website.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Oct 05, 2017
    • ICICI Bank Personal Loan
      "Need improvement"
      0.5 5.0/5 "Blown Away!"
      The customer support haven't gave proper response from ICICI bank in regards to my personal loan loan application. The rate of interest is nominal when compared with other banks. The customer service need to be improved with ICICI bank, they need to give proper response to the customers.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Oct 05, 2017
    • Bank Bazaar Personal Loan
      "Swift response"
      0.5 5.0/5 "Blown Away!"
      There were no hassles with Bankbazaar as the process was quick and they were very much responsive till the end. There were continuous calls checking about the status. The website is good. It was sad that the bank did not process the loan finally.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Oct 05, 2017
    Common Loader Icon
  • reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.