Personal Loan in Kerala

Looking for instant funds to manage a major life event or unexpected expense in Kerala? Whether it is funding a child’s education, renovating your home in Kochi, or covering a wedding in Thiruvananthapuram, a Bajaj Finserv Personal Loan is a reliable solution.

You can also check if you already have a pre-approved offer in Kerala. The entire process is online, no branch visit required:
Check your personal loan offer in Kerala with phone number and OTP → Apply online in 5 minutes → Receive funds within a day*

With quick disbursal, flexible repayment, and no need for collateral, this loan puts you in full control of your finances, no matter where you are in Kerala.

Basic paperwork

Get the loan by submitting minimal documents.

Pre-approved offers

You can check if you have a pre-approved offer for a personal loan in Kerala with just your phone number and OTP – no need to visit the branch.

Flexible repayment tenure

You can take our personal loan and repay it over long tenure of up to 8 years.  

Quick disbursal

Get the money in your bank in 24 hours* and manage your expenses comfortably.

No collateral required

Get the personal loan without any collateral or guarantor. Use the personal loan EMI calculator to estimate your EMI.

Quick approval

Apply online and get instant approval on your personal loan in Kerala.

Online loan management

Use our customer portal, My Account, and manage your loan account online.

Eligibility criteria

• Nationality: Indian
• Age: 21 years to 80 years**.
• Employed with: Public, private, or MNC.
• CIBIL Score: 685 or higher.
• Customer profile: Self-employed or Salaried

*You should be 80 years** or younger, at the end of the loan tenure.

Documents required

• KYC documents: Aadhaar/ passport/ voter’s ID/ driving license/ Letter of National Population Register/ NREGA job card
• PAN card
• Employee ID card
• Salary slips of the last 3 months
• Bank account statements of the previous 3 months
• Piped gas bill
• Pension order
• Letter of Allotment of Accommodation Issued by Employer
• Property / Municipal tax receipt
• Utility bill
• Real-time image / photograph
• Ration card

Step-by-step guide to apply for a personal loan

1. Click on ‘CHECK ELIGIBILITY’ on this page.
2. Enter your 10-digit mobile number and the OTP sent to your phone.
3. Check if you have an offer. If not, fill in the application form with your basic loan details, such as your full name, PAN, date of birth, and PIN code.
4. Now, click on ‘PROCEED’ to visit the loan selection page.
5. Enter the offer or loan amount that you need. Choose from our three personal loan variants –Term, Flexi Term, and Flexi Hybrid Term.
6. Choose the repayment tenure and click on ‘PROCEED’.
7. Complete your KYC and submit your application.