Bajaj Finserv in your 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 of Kerala can meet urgent financial needs with unsecured personal loans from Bajaj Finserv. 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 personal loan in Kerala

  • Minimal documentation

    Minimal documentation

    Forget lengthy application processes. Complete the documentation process with minimal paperwork only.

  • Pre-approved offer

    Pre-approved offer

    Look up your pre-approved offers online to simplify and quicken the process of getting loans.

  • Tenors up to 60 months

    Tenors up to 60 months

    Make your repayments easier with tenors of up to 84 months. Choose wisely using the personal loan calculator.

  • Flexible options

    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.

  • Quick loan in %$$PL-Disbursal$$%*

    Quick loan in 24 hours*

    Apply for a personal loan in Kerala online and receive the approved amount in your account within 24 hours*.

  • Fast approval

    Fast approval

    Get the fastest approval on your loan application form online with Bajaj Finserv.

  • Money up to %$$PL-Loan-Amount$$%

    Money up to Rs. 35 lakh

    Cover various types of high or low expenditures and purchases using unsecured loans of up to Rs. 35 lakh.

  • Online loan account

    Online loan account

    Use our online account facility to manage your EMIs, principal outstanding, due dates, etc.
  • Zero hidden rates

    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 urgent funds in Kerala can approach Bajaj Finserv, a leading NBFC in India. Our collateral-free 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

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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.

  • Nationality


    Indian, resident of India

  • Employment


    Must be a salaried employee at a reputed MNC or a private/ public limited company

  • Credit score

    Credit score

    Above 750

  • Age


    Between 21 years to 67 years*

  • 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.

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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

How can I lower my loan EMIs?

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
What is the calculation method for interest rates?

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.

How risky is a personal loan in Kerala?

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.

Are there part-prepayment charges on the loan?

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.

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