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Personal loan

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Those days are gone when it was necessary to put something as collateral to the bank. When people get stuck in any emergency situation and are in need of instant cash, they can go for a Personal Loan. It is a hassle free loan and available to the borrower within 48 hours.


Why should one choose a Personal Loan in Cochin?

  1.     Borrow a Loan amount up to Rs 15 lakhs.
  2.     Less paperwork involved.
  3.     Cheapest Interest rates.
  4.     No security or guarantee requirement.
  5.     Instant approval within 48 hours.
  6.     Flexible loan tenure from 12 to 60 months.


Personal Loan Interest Rates:


 HDFC Bank  State Bank of India  Axis Bank
 13 % 13.5 % 14 % - 24 %


Who are eligible for Personal Loan in Cochin?

Salaried, self employed people and self employed professionals are eligible for availing personal loan.


Salaried Individuals:

  1. Salary: Rs 12,000 (Monthly).
  2. Minimum and Maximum Age: 21 and 60 Years.
  3. Work Experience: Overall 3 years and one year experience in current job.

*A person getting Salary in cash is not eligible for availing Loan  at affordable rates.


Self Employed Individuals:

  1. Min and Maximum Age: 25 and 65 years.
  2. An Annual ITR of 2.5 to 3 lakh is required.
  3. Residence: Office or Home should be owned.
  4. Business Stability: Your business should be running from last 3 years with continuous profit.
  5. Telephone / Mobile at office: Mandatory


Documentation for Personal Loan:


Salaried Individual

Self Employed People

Latest 6 month bank statements

Latest 6 month bank statements

Last 2 month salary slips

Last 2 years Balance Sheet

Last 2 year Form 16

Last 2 Years ITR

Photocopy of Pan Card

PAN Card photocopy

Residence & Address Proof

Residence & Address Proof

2 passport size photographs

2 passport size photographs


About Cochin:

Cochin also known as Kochi is a city in the Ernakulam district of Kerala in India. It is a port city which is also referred as Ernakulam. It is ranked 6th best tourist destination in India.

Special Note: Bank does not provide Personal Loan to poor credit holders. However, one can fulfill their financial requirement with a Gold Loan easily.


  Other Leading  Loan Options in Cochin (Click to Apply) 
  Gold Loan Cochin   Car Loan Cochin   Home Loan Cochin 





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