Personal Loan in Trivandrum

Personal Loan in Trivandrum

Check your eligibility for a personal loan in Trivandrum with your phone number and OTP – borrow from Rs. 40,000 to Rs. 55 lakh at interest rates starting from 10% p.a., with no branch visit required.

Loan Types

FAQs

₹40,000 - ₹Rs. 55 lakh

You may be eligible for a pre-approved offer in Trivandrum

Check now

Enter mobile and OTP | Quick online approval | Get money in a day*

 
 

Key takeaways


A personal loan in Trivandrum offers a convenient way to finance planned and unexpected expenses with a simple online application process. With flexible borrowing options and quick processing, you can access funds without providing any collateral.


  • Loan amounts from Rs. 40,000 to Rs. 55 lakh.
  • Flexible repayment tenure from 12 months to 108 months.
  • Competitive interest rates from 10% and 30% p.a.
  • Quick approval with disbursal within 24 hours*.
  • No collateral required and minimal documentation.
  • Check your pre-approved offer using your mobile number and OTP.

Apply for a personal loan in Trivandrum through a 100% digital process and manage your loan conveniently with online account access.

Instant personal loan in Trivandrum

  • An instant personal loan in Trivandrum from Bajaj Finance offers a convenient way to meet planned and unexpected expenses without providing any collateral. Whether you need funds for a home renovation, wedding, medical emergency, education, or travel, this personal loan service in Trivandrum provides loan amounts from Rs. 40,000 to Rs. 55 lakh, repayment tenures from 12 months to 108 months, and competitive interest rates from 10% and 30% p.a.


    Check your personal loan offer in Trivandrum with phone number and OTP → Apply online in 5 minutes → Receive funds within a day*


    Whether you are a government employee, IT professional, or business owner, this personal loan gives you the flexibility and speed to handle both planned and unexpected expenses.

Thiruvananthapuram, also known as Trivandrum, is the capital of Kerala and a major hub for government offices, education, healthcare, and information technology. With renowned institutions, Technopark, and well-developed infrastructure, the city attracts working professionals, entrepreneurs, and families.


As financial needs continue to evolve, a Bajaj Finance Personal Loan in Trivandrum offers a convenient way to manage expenses such as home renovation, higher education, weddings, travel, medical emergencies, or other personal requirements through a simple online application process.

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Features and benefits of personal loan in Trivandrum

  • Pre-approved offers

    You can check if you have a pre-approved offer for a personal loan in Trivandrum with just your phone number and OTP.

  • Instant online approval

    With Bajaj Finance, get instant approval on your personal loan online.

  • Manage account online

    Use our online customer portal - My Account to track your loan details anytime from anywhere.

  • Larger loan amount

    Avail funds from Rs. 40,000 to Rs. 55 lakh. for wedding, education, travel, consumer durables purchase and other expenses.

  • Minimal paperwork

    Submit just a few basic personal loan documents to get the funds you need.

  • Money in your account in a day*

    Get the loan amount in your bank account within 108 months*, making it easy to manage any urgent expenses.

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Eligibility criteria for personal loan in Trivandrum

You can easily get the funds you need in Trivandrum with the below criteria:

  • Eligibility criteria

    NationalityIndian
    Age21 years to 80 years
    Employed withPublic, private, or MNC.
    CIBIL Score650 or higher.
    Customer profileSelf-employed or Salaried

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

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Documents required for personal loan in Trivandrum

Documentation requirements for a Bajaj Finance Personal Loan are minimal. Five document categories are required at the time of application:


Document CategoryAccepted Options
KYC proofAadhaar/ passport/ voter’s ID/ driving license/ Letter of National Population Register/ NREGA job card
Identity proofPAN card, Real-time image / photograph
Employment proofEmployee ID card, Letter of Allotment of Accommodation Issued by Employer
Income proofSalary slips — last 3 months, Bank account statements — last 3 months
OthersPension order, Utility bill, Phone bill, Piped gas bill, Property / Municipal tax receipt


 

Know more about the personal loan documents required during application.


Check your eligibility for personal loan using just mobile number and OTP – 100% online process.

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Personal loan interest rates in Trivandrum

The interest rate on an online loan app in India varies depending on factors such as your credit profile, income, loan amount, and repayment tenure. Along with the interest rate, borrowers should also review the applicable fees and charges before applying. The table below highlights some of the common charges associated with a personal loan. For the complete schedule of charges, please refer to the existing personal loan interest rates, fees and charges page.


ChargesDetails
Interest rateUsually ranges from 10% to 30% p.a. , depending on eligibility and lender policies
Processing feeUp to 3.93% of the loan amount (inclusive of applicable taxes).
Loan tenureTypically ranges from 12 months to 108 months
Bounce chargesRs. 700 to Rs. 1,200/- per bounce
Prepayment/foreclosure chargesUp to 4.72% (Inclusive of applicable taxes)
Stamp duty (as per respective state)Payable as per state laws and deducted upfront from loan amount
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How to apply for personal loan in Trivandrum

  • 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.

Our representative will contact you for further steps.

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Why is Bajaj Finance the best personal loan option in Trivandrum?

A Bajaj Finance Personal Loan is a convenient option for borrowers in Trivandrum looking for quick access to funds, flexible repayment options, and a fully digital application process. Whether you need money for a medical emergency, home renovation, education, travel, or other personal expenses, you can apply online with minimal documentation.


  • Loan amount ranges from Rs. 40,000 to Rs. 55 lakh
  • Tenure ranges from 12 months to 108 months
  • Interest rate ranges from 10% and 30% p.a.
  • Quick approval and disbursal within 24 hours* 
  • No collateral required and minimal documentation
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Apply personal loan in other cities


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Key offerings: 3 loan types

  • Flexi Hybrid Term Loan
  • Flexi Term (Dropline) Loan
  • Term Loan

  • Withdraw and prepay – no extra charges
    You can withdraw from your limit and prepay as many times as you want, without extra charges.

  • Instalment pattern
    You can pay interest-only EMIs for up to 36 months, after which, the EMI will consist of both, the principal and the interest. EMI is applicable only on the withdrawn amount.

  • Flexi facility charges
    Flexi facility charges applicable based on your loan amount.

  • Withdraw and prepay – no extra charges
    You can withdraw from your limit and prepay as many times as you want, without extra charges.

  • Instalment pattern
    Fixed EMIs that cover both the principal and interest on the loan amount you withdraw.

  • Flexi facility charges
    Flexi facility charges applicable based on your loan amount.

  • Amount disbursed in one go
    The entire loan amount is disbursed at the start.

  • Instalment pattern
    Fixed EMIs that cover both the principal and interest.

  • Flexi facility charges
    No Flexi facility charges.

Personal loan interest rate and applicable charges

Type of fee

Applicable charges

Rate of interest per annum

10% to 30% p.a.

Processing fees

Up to 3.93% of the loan amount (inclusive of applicable taxes).

Flexi Facility Charge

Term Loan – Not applicable

Flexi Loans –Up To Rs 1,999 To Up To Rs 18,999/- (Inclusive Of Applicable Taxes)

Will be deducted upfront from loan amount.

Bounce charges

Rs. 700 to Rs. 1,200/- per bounce

“Bounce charges” shall mean charges for (i) dishonor of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonor of payment mandate or non-registration of the payment mandate or any other reason.

Part-prepayment charges

Full Pre-payment:

  • Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount as on the date of full pre-payment

  • Flexi Term (Dropline) Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount, as on the date of full prepayment.

  • Flexi Hybrid Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount, as on the date of full prepayment.

Part Pre-payment

  • Up to 4.72% (Inclusive of applicable taxes) of the principal amount of Loan prepaid on the date of such part Pre-Payment.

  • Not Applicable for Flexi Term (Dropline) Loan and Flexi Hybrid Term Loan.

Penal charge

Delay in payment of instalment(s) shall attract Penal Charge at the rate of up to 36% per annum per instalment from the respective due date until the date of receipt of the full instalment(s) amount.

Stamp duty (as per respective state)

Payable as per state laws and deducted upfront from loan amount.

Annual maintenance charges

Term Loan: Not applicable

Flexi Term (Dropline) Loan:

Up to 0.295% (Inclusive of applicable taxes) of the Dropline limit (as per the repayment schedule) on the date of levy of such charges.


Flexi Hybrid Term Loan:

Up to 0.472% (Inclusive Of Applicable Taxes) Of The Dropline Limit During Initial Tenure. Up to 0.295% (Inclusive Of Applicable Taxes) Of Dropline Limit During Subsequent Tenure

Credit guarantee scheme feeUp to 1.18% p.a. (pro-rated daily till 31st March) (inclusive of all applicable taxes) of the loan amount
Credit guarantee scheme renewal feeUp to 1.18% p.a. (inclusive of all applicable taxes) on the outstanding loan amount as on April 01 of the subsequent Financial Year.
*Renewal Fee to be collected only for 3 subsequent financial years.
 
**If the Remaining Tenure is less than 12 months, the CG Fee in subsequent years shall be charged prorated.

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Disclaimer

Bajaj Finance Limited has the sole and absolute discretion, without assigning any reason to accept or reject any application. Terms and conditions apply*.
For customer support, call Personal Loan IVR: 7757 000 000