Multiple banks. Different interest rates. Call it a "conflict of interest".
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    We found 31 Thiruvananthapuram Personal Loan

    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    11.49% - 15.99% Fixed
    0.5%
    30L Max
    1-5 Years
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free Ad
    What you'll love
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    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    10.99% - 14.49% Fixed
    0
    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
    12% - 18% Fixed
    Up to 1.5% One time fee
    15L Max
    1-5 years
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free INSTANT DECISION
    What you'll love
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    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    11.99% - 19.50% Fixed
    0 One time fee
    20L Max
    1-6 Years
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free Paperless approval option available
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    13.99% - 16.99% Fixed
    1% - 2% One time fee
    20L Max
    1-5 years
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free Paperless Approval Option Available
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    11.00% - 17.99% Fixed
    2.25% (min. ₹1149) One time fee
    20L Max
    1-5 Years
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free Paperless approval option available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    10.85% - 11.85% Floating
    0.5% One time fee
    50 K - 10 L
    1-5 Years
    Response Time Within 30 minutes
    Guarantor Required Paperless approval option available
    What you'll love
    Documents
    Perks
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    Fees & Charges
    Good to Know
    Eligibility Criteria
    10.99% - 19.8% Fixed
    Up to 2.5% One time fee
    25L Max
    1-5 years
    Response Time Within 30 minutes
    Paperless approval option available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    11.99% - 19% Fixed
    Up to ₹3000 One time fee
    25L Max
    1-5 years
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free Paperless approval option available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    17.25% - 37% Fixed
    1.5% to 6.0% One time fee
    15L Max
    1-4 Years
    Response Time Within 30 minutes
    Paperless approval option available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    11.49% - 20.15% Fixed
    Up to 2%
    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
    11.5% - 13.25% Fixed
    0 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
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  • Thiruvananthapuram Personal Loan Reviews

    • Bank Bazaar Customer Support
      "Very Good service"
      0.5 5.0/5 "Blown Away!"
      I know bank bazaar through Google web search. I am with bank bazaar for past 2 months. I have applied personal loan through bank bazaar mobile application , which was easy to use and customer friendly. The customer service helped me to get in touch with the partner. The bank bazaar helps the customer to choose the best product in the market.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Jun 21, 2017
    • ICICI Bank Personal Loan
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      The ICICI bank was offering the personal loan with High interest rate, so that is the reason I haven't proceed with the personal loan with ICICI . The Customer service is good with ICICI bank. The rate of interest can be reduced in future. The service provided by ICICI bank was Average.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Jun 21, 2017
    • Bank Bazaar Customer Support
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      Bankbazaar response and feedback is very quick. I got to know about bankbazaar through promotional mails. I am with bankbazaar for the past 7 to 8 months. I had applied for the personal loan through this web channel. It is very easy to navigate and the site is very much user friendly therefore I am, very much satisfied with their service.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Jun 20, 2017
    • ICICI Bank Personal Loan
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      ICICI had taken away all the required documents for the loan approval however they failed to revert back to me. Customer service of ICICI Bank needs an improvement and they came and collected all the required documents from my place. Furthermore they are providing very good response until the time the documents were collected further there was no response. Rate of interest is very much nominal with ICICI.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Jun 20, 2017
    • ICICI Bank Personal Loan
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      ICICI had taken away all the required documents for the loan approval however they failed to revert back to me. Customer service of ICICI Bank needs an improvement and they came and collected all the required documents from my place. Furthermore they are providing very good response until the time the documents were collected further there was no response. Rate of interest is very much nominal with ICICI.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Jun 20, 2017
    • HDFC Bank Personal Loan
      "Average Service"
      0.5 1.0/5 "Really Bad"
      I have never got a call from HDFC bank in regards with my Personal loan application. The Hdfc banking service is really good, but the response need to be improved with the HDFC bank . They need to give importance to the customers in future. Overall the banking service with HDFC is good but the personal loan service need to be improved with HDFC bank.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Jun 05, 2017
    • Bank Bazaar Customer Support
      "Recommendable Service"
      0.5 4.0/5 "Great!"
      One of my friend preferred me bankbazaar. Actually he had taken a loan with the help of bankbazaar so he suggested me this website. When I applied on bankbazaar site, immediately they responded for my application. They were regularly following on my app. It was good experience with bankbazaar.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on May 17, 2017
    • HDFC Bank Personal Loan
      "Supportive Service"
      0.5 4.0/5 "Great!"
      Executives of HDFC bank was very cooperative when I approached them for my personal loan. They responded well actually. Even they disbursed the loan at the earliest. Also I have no issues with their rate of interest. I am satisfied with their service.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on May 17, 2017
    • Bank Bazaar Customer Support
      "Overall satisfied"
      0.5 5.0/5 "Blown Away!"
      Everything is prompt and it was on time, I thought I may not eligibility for a personal loan but through Bank Bazaar I got to know my eligibility. I found lot of options in Bank Bazaar and I found the best product through their website based on my interest. In a nutshell it was a wonderful experience transacting with them..
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on May 12, 2017
    • ICICI Bank Personal Loan
      "Its Hassle free"
      0.5 5.0/5 "Blown Away!"
      As per the ICICI commitment, they had disbursed the loan on time. I took the loan amount around Rs.2.90 lakhs for an interest rate of 13.5% and they had taken some processing fee but insurance amount was high. However, I am fine with ICICI bank and its process.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on May 12, 2017
    • Bank Bazaar Customer Support
      "Very good services"
      0.5 5.0/5 "Blown Away!"
      Bankbazaar has done a great job for me by contacting me immediately and informing me all the details of the banks and the deals i was eligible for. The follow up calls was also good and supportive and till the end it was a hassle free experience. I am happy that I was able to access the site without any struggle.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on May 11, 2017
    • ICICI Bank Personal Loan
      "Good overall"
      0.5 5.0/5 "Blown Away!"
      I received my personal loan within ten days from ICICI Bank and the process was smooth as well. The documents was collected on time from time. The rate of interest was of 17% and the processing charges was also applicable. It was a bit on the high side.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on May 11, 2017
    • HDB Financial Services Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I got the personal loan with the HDB financial service and the interest rate is around 9.1% , which is very cheap. The loan amount got disbursed to my account within four days of time. Response is very good with them and I have not faced any drawbacks with them till now.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Apr 24, 2017
    • Bank Bazaar Customer Support
      "Good service"
      0.5 4.0/5 "Great!"
      Bankbazaar.com has provided me a very good service and I am using it from the last three months of time. Website of the Bankbazaar.com is easy one to use and they have provided me with the exact information according to their financial needs.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Apr 24, 2017
    • ICICI Bank Personal Loan
      "Satisfied"
      0.5 2.0/5 "Expected more"
      I did not meet any executives of the ICICI bank in person, but they have contacted me but later they have contacted me and there no response on my personal loan inquiry. I would like to suggest that they need to take care of their customer at any given cost.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Apr 24, 2017
    • Fullerton Personal Loan
      "Its Excellent"
      0.5 5.0/5 "Blown Away!"
      I approached Fullerton india through their website, to take personal loan, they called on the same way. On very next day they came and collected the documents within five days of time they completed everything and approved my loan. I hope amount would be disbursed shortly. I had applied for a principal amount of 4 lakhs with an interest rate of 12.45% for a tenure of 4 years.
      Was this review helpful? 2
      , thiruvananthapuram
      Reviewed on Apr 05, 2017
    • Bank Bazaar Customer Support
      "Its Good website"
      0.5 5.0/5 "Blown Away!"
      Bank Bazaar responded very quickly on my car loan application, morning I have filled the loan application in Bank Bazaar, evening I received call from them. Then they showed me number of options, its easy to compare and take the best thing in the market.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Apr 05, 2017
    • ICICI Bank Personal Loan
      "Response and communication part has to be improved"
      0.5 1.0/5 "Really Bad"
      First time I applied personal loan in ICICI through online then there were no response from them. Second time again I visited to the branch and submitted all the documents for the personal loan, again no body contacted me regarding this. I am very much disappointed with ICICI, they should give good response to the customers.
      Was this review helpful? 1
      , thiruvananthapuram
      Reviewed on Apr 05, 2017
    • Axis Bank Personal Loan
      "Average"
      0.5 3.0/5 "Satisfactory"
      I had taken a personal loan from Axis bank earlier and they have offered me a rate of 16.25%. Though the rates have dropped currently, they have not reduced the same. I am only been informed about it. The process was smooth as I got the loan I needed within four days.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Mar 29, 2017
    • Bank Bazaar Customer Support
      "Good experience"
      0.5 4.0/5 "Great!"
      It was overall a good experience with Bankbazaar.com, as they had been doing well by contacting me on time and providing me with the details I needed. The follow up was done from time to time. I make use of the mobile application and it has been useful to me. It would be better if there are more banks listed.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Mar 29, 2017
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    Thiruvananthapuram Personal Loan is Rated as "Great!" by 242 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    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.


    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 25 Jun 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

    Personal Loan in Thiruvananthapuram

    Thiruvananthapuram is the capital of Kerala and one of India’s most prominent cities. Referred to as the “Evergreen City of India”, it is home to around a million people and a significant part of the population belongs to the salaried class. As such, personal loans in Kerala’s largest city are growing in popularity as individuals residing there tend to approach banks and financial institutions to fulfil their personal requirements. Residents of the city usually resort 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
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