Bajaj Finserv in your city

The Kottayam city in Kerala is a hub of art and literature. Major Malayalam dailies such as Mangalam, Malayala Manorama and Deepika have their headquarters here. In 1989, Kottayam became the first Indian town to achieve 100% literacy.

Take a Bajaj Finserv Personal Loan in Kottayam for your child’s education or other various purposes. Apply online for instant approval.

Features and benefits of personal loan in Kottayam

  • Simple documentation

    Simple documentation

    You can apply for a personal loan with only a few documents and through a simple process.

  • Zero hidden rates

    Zero hidden rates

    Bajaj Finserv offers transparent terms and conditions. No underlying charges are imposed.

  • Loan in account in 24 hours*

    Loan in account in 24 hours*

    Post-approval, get the money in your account within 24 hours*. Address your financial needs immediately.

  • Quick approval

    Quick approval

    With the online personal loan application process, receive instant approval.

  • Tenor options

    Tenor options

    Choose a tenor of 6 months to 96 months and repay easily.

  • 24x7 account access

    24x7 account access

    Access EMI details, tenor, payment schedules and other information 24x7 on our customer portal – Experia.

  • High-value loan

    High-value loan

    Get funds of up to 96 months that you can use for various expenses such as wedding, education, travel, etc.

  • Flexi facility

    Flexi facility

    Bring down your EMIs by up to 45% with the innovative Flexi loan facility.

Kottayam is called Akshara Nagari for its contributions to literature and print media. The city is also home to several prominent schools and colleges for technology, engineering and medical studies. Besides, agriculture and a thriving rubber industry are important revenue generators.

Residents of Kottayam with a steady income can seek personal loans of up to Rs. 40 lakh. Bajaj Finserv, a leading NBFC, offers unique features on its personal loans, ensuring flexibility and convenience. Pay off the borrowed amount over comfortable tenors.

For added flexibility, avail of the Flexi loan facility to repay when you have surplus funds or when the tenor ends. With Flexi loans, the interest is levied only on the utilised loan amount and not on the total principal.

To apply online, simply fill-up the form with accurate details.

*Conditions apply

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Eligibility criteria

It is essential to qualify as per the personal loan eligibility criteria before you apply.

  • 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

    Refer to the city list for minimum income
  • Age


    Between 21 years to 80 years*

  • Income


    Refer to our city list for minimum salary requirements

To qualify for an unsecured loan, keep your existing liabilities to a minimum. Clear off existing debts before applying for new credit. Eligible borrowers can get attractive interest rates and unique features.

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Interest rates and charges

Make an informed decision by considering personal loan interest rates and other fees.

Frequently asked questions

Where will I receive the loan amount?

Once approved, the loan amount will be credited directly to your bank account. You can start using the funds instantly.

Which factors are considered to determine EMIs?

The following factors are considered to determine EMIs:

  • Interest rates
  • Personal loan amount
  • Repayment tenor
Is any manual calculation needed in a Bajaj Finserv EMI Calculator?

No manual calculation is required. The Bajaj Finserv EMI Calculator makes its computations based on the following formula: EMI = P x R x (1+R) ^n / ((1+R) ^n-1).

Here, P denotes the principal amount, R refers to the interest rate, and n is the repayment tenor.

What will be the EMI for a loan of Rs. 15 lakh?

Although the loan amount is a key factor, EMIs also depend on the interest rate and tenor. You can determine your monthly instalments by using the Bajaj Finserv EMI Calculator.

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