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

    We found 31 Thiruvananthapuram Personal Loan

    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    10.99% - 15.99% Fixed
    Up to 2%
    30L Max
    1-5 Years
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free Ad
    What you'll love
    Documents
    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
    10.99% - 19.8% Fixed
    Up to 2% 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
    11.49% - 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 option available
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    13.99% - 16.99% Fixed
    0 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
    10.99% - 17.99% Fixed
    2.25% (min. ₹1499 + applicable tax) 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
    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
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    12% - 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
    10.70% - 11.70% 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
    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 option available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    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
    11.75% - 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
     Loading your search... Loading your search...
  • Thiruvananthapuram Personal Loan Reviews

    • Bank Bazaar Customer Support
      "Good Website"
      0.5 5.0/5 "Blown Away!"
      I am happy with Bank Bazaar, because its provide fast service to the user and also its a easy site to check all the financial information. Whatever information I searched related to Bank Bazaar, I got complete solution on it. I am very fine with their service.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Aug 16, 2017
    • ICICI Bank Personal Loan
      "Its Better"
      0.5 4.0/5 "Great!"
      Initially I got a call from ICICI, they confirmed my details based on my salary norms they have rejected my loan application, they didn't provide any alternation option to avail loan. I was getting the salary of Rs.21,000 but still they have rejected it.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Aug 16, 2017
    • Bank Bazaar Customer Support
      "Userfriendly Site"
      0.5 4.5/5 "Excellent!"
      Bank Bazaar is great website, I am getting good response from them. I am very happy with your support, first time I am using Bank Bazaar site for the personal loan, I could able to check all the information about the loan like EMI, interest rate etc.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Aug 10, 2017
    • ICICI Bank Personal Loan
      "Interest rate and charges should be competative"
      0.5 2.0/5 "Expected more"
      I am not happy with ICICI interest rate, they were offering around 17% for the personal loan. I asked them to reduced but they denied. Then my requirements got fulfilled, there no need to take loan from ICICI, hence I dropped the plan, the response is good but service is not up to the mark.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Aug 10, 2017
    • Bank Bazaar Customer Support
      "User friendly and good advisor"
      0.5 4.0/5 "Great!"
      What makes the customer's happy ? Good Response. When I applied for loan in Bank Bazaar, I got good response and they have contacted me on a regular basis and also gave me couple of calls. Bank Bazaar really helped and supported me to avail loan products.Bank Bazaar website is also good to check all the banking products.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Aug 08, 2017
    • ICICI Bank Personal Loan
      "Response part has to be improved"
      0.5 3.0/5 "Satisfactory"
      When I applied for the personal loan in ICICI, they didn't contact me to collect the documents. Even no body contacted me to confirm my requirements or to update the status, though I am an existing customer of the bank. ICICI should improve the response.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Aug 08, 2017
    • Bank Bazaar Customer Support
      "Good "
      0.5 5.0/5 "Blown Away!"
      I sought an assistance of bankbazaar for the personal loan process. Whatever the service they provided for my loan application, it was good and approachable. They have good online facilities which is very easy to handle and also easy to apply for the loan.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Aug 01, 2017
    • ICICI Bank Personal Loan
      "Average Service"
      0.5 3.5/5 "Pretty good"
      ICICI bank did not provide the personal loan for me when I applied for it. At the time when I submitted my loan application, they contacted me within 24 hours and they said that they will call me back but I received calls after some couple of days only.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Aug 01, 2017
    • Bank Bazaar Customer Support
      "Satisfactory service"
      0.5 5.0/5 "Blown Away!"
      I know bank bazaar for past one year. I know about bank-bazaar through google web search. The customer service and the response is very good with bank bazaar. The website with bank-bazaar is easy to use and user friendly. I would like to say bank bazaar gives satisfactory service to the customers.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Jul 25, 2017
    • ICICI Bank Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I haven't got the ICICI bank personal loan, because the executive asked to apply for the loan after 3 months, based on my profile I had a Cheque bounce in my previous product. The customer service and the response is very good with ICICI bank. The rate of interest is nominal with ICICI.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Jul 25, 2017
    • Bank Bazaar Customer Support
      "Good service"
      0.5 5.0/5 "Blown Away!"
      The updates are given on time by bank bazaar customer service. The response has been given immediately once we give our requirement in the bankbazaar web site. The website with bankbazaar is easy to use and customer friendly. The language preference need to be focused with bankbazaar customer support. I get to know about bankbazaar through my friends referral. I am with bankbazaar for past 4 years, but I have used it recently.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Jul 24, 2017
    • ICICI Bank Personal Loan
      "Below Average service"
      0.5 4.0/5 "Great!"
      Initially, I have applied for the personal loan with ICICI bank, it got rejected because of the documentation and second time I have applied with same ICICI bank and it got rejected due to low credit score. I don't know for what reason my personal loan application has got rejected. The ICICI bank need to show transparency in their service. The ICICI bank executives told that they will come and collects the documents but no one turned up. Summary, both customer service and response is falling below average with ICICI.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Jul 24, 2017
    • Axis Bank Personal Loan
      "Satisfied with the services"
      0.5 5.0/5 "Blown Away!"
      After me applying for a personal loan at Axis Bank, the services was immediate. I was contacted on time and the I also got the funds within three days in my account. The interest rate and processing charges was also a decent deal. I got a rate of 11%.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Jun 24, 2017
    • Bank Bazaar Customer Support
      "Excellent services & communication"
      0.5 5.0/5 "Blown Away!"
      I am very much satisfied with Bankbazaar as they have been supportive from the very beginning of the process. As soon as I registered, I had been receiving calls on a regular basis and I was given different options of the banks. The team is really good when it comes to followups too.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Jun 24, 2017
    • ICICI Bank Personal Loan
      "Not Satisfactory"
      0.5 2.0/5 "Expected more"
      There was a delayed response from ICICI Bank for the personal loan. The bank took two plus days to contact me, in the mean time I have taken the loan from my personal bank and received the funds as well. The interest rate was high, it was around 13%.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Jun 24, 2017
    • 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? 1
      , 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
    Common Loader Icon

    Thiruvananthapuram Personal Loan is Rated as "Great!" by 257 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 17 Aug 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
  • reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.