Get Instant Personal Loan in Kerala State
Located on the Malabar Coast, Kerala is often referred to as a paradise on Earth. The state is a popular tourist destination in India, prominent for its ecotourism initiatives and scenic backwaters.
Residents can meet urgent financial needs with instant personal loan options in Kerala from Bajaj Finance. We offer exclusive features on these low-interest loans across our 9 branches in the state.
Apply online for immediate approval.
Features and benefits of instant personal loan in Kerala
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Minimal documentation
Forget lengthy application processes. Complete the documentation process with minimal paperwork only.
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Pre-approved offer
Look up your pre-approved offers online to simplify and quicken the process of getting loans.
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Tenors up to 96 months
Make your repayments easier with tenors of up to 96 months. Choose wisely using the personal loan calculator.
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Flexible options
With Flexi loans, enjoy repayment flexibility and reduce your EMIs by up to 45%*. Pay interest only on the amount used from a pre-sanctioned limit.
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Quick loan in 24 hours*
Apply for a personal loan in Kerala online and receive the approved amount in your account within 24 hours*.
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Fast approval
Get the fastest approval on your loan application form online with Bajaj Finserv.
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Money up to Rs. 40 lakh
Cover various types of high or low expenditures and purchases using unsecured loans of up to Rs. 40 lakh.
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Use our online account facility to manage your EMIs, principal outstanding, due dates, etc.
Online loan account
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Zero hidden rates
Avail of a personal loan with zero hidden charges and as per flexible terms and conditions.
Kerala has the 10th largest economy in India, with a GDP of Rs. 7.82 trillion. Called ‘God’s Own Country’, the state has tourism as its leading economic contributor and attracts large numbers of domestic and foreign tourists. Its major attractions are backwaters, lake resorts, wildlife sanctuaries, mountain ranges, beaches, hill stations and more. The economy is also based on spices, coconut, cashew, coffee, tea, pepper and natural rubber production. Close to 1.1 million residents earn from the fishery industry.
People in need of an urgent cash loan in Kerala can approach Bajaj Finance Limited, a leading NBFC in India. Our collateral-free online personal loans are available at reasonable rates. Benefit from a simple loan policy and reduce your debt burden.
Walk into any of our branches for expert assistance. Alternatively, avail of our online services to reduce the hassle of applying for a loan. Apply online and log in to our customer portal – Experia for all the relevant details.
*Conditions apply
Eligibility criteria for instant loan in Kerala
Before you avail of credit in Kerala, use our online eligibility calculator to check the highest amount you can get.
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Nationality
Indian, resident of India
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Employment
Must be a salaried employee at a reputed MNC or a private/ public limited company
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Credit score
Above 685
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Age
Between 21 years to 80 years*
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Income
Refer to our city list for minimum salary requirements
You can enhance your eligibility by providing other sources of income. The better you fulfil the eligibility criteria, the higher are your chances of getting your desired loan amount. To avoid delay, ensure you complete the minimum paperwork appropriately.
Explore different types of uses for instant personal loans in Kerala
One of the biggest advantages of an instant personal loan in Kerala is that it can be used for a wide variety of purposes. You can manage your small or large expenses using a personal loan, including:
- Wedding expenses
- Home renovation and repairs
- Higher education
- Medical expenses
Since our personal loan is disbursed quickly, it is also feasible to manage urgent expenses during emergency situations.
Interest rates and charges for easy personal loan in Kerala
Eligible borrowers in Kerala are entitled to avail of reasonable loan interest rates. Enjoy the most affordable loan with attractive benefits.
Frequently asked questions
You can reduce your monthly EMIs by:
- Choosing a longer tenor for repayment
- Maintaining a high CIBIL score
- Negotiating with the lender for reasonable rates of interest
- Opting for flexi loans
Interest rates on your personal loan are calculated considering factors such as monthly income, credit history, loan amount, repayment tenor, etc. The Bajaj Finserv EMI Calculator can help you evaluate your EMIs, interest payable and total payable amount.
A reputed private lender, Bajaj Finserv brings risk-free personal loans. You need not pledge any asset as collateral against the loan, as it is sanctioned based on certain eligibility criteria.
If you have availed of the Flexi loan facility, there are no part-prepayment charges levied. Also, zero charges are imposed when the total paid amount in a year is below 25% of the outstanding principal.
If you have a pre-approved Insta Personal Loan offer, then there is no need to check for approvals. For our regular personal loan in Kerala, you have to fulfil certain eligibility criteria –
- Nationality: Indian
- Age: 21 years to 80 years*.
- Employed with: Public, private, or MNC.
- CIBIL Score: 685 or higher.
- Monthly salary: Starting Rs. 25,001, based on the city you live in.
You also need to submit certain documents along with your application. To know more, click here.
Our personal loans do not require any collateral such as gold ornaments or property. If you are looking for an instant loan in Kerala, our personal loan is a great option.
