Personal Loan Thrissur

Best Banks for Personal Loan in Thrissur

Bajaj Finance
Interest Rate
10.75% - 17%
11.25% - 18.5%
Min Loan Amt
Metro : 75000 & Non Metro: 50000
Max Loan Amt
50 Lacs
50 Lacs
1 Cr
Loan Tenure
1 - 5 Years
1 - 5 Years
1 - 5 Years
Processing Fee
0.25% - 2% of the Loan Amt

1% - 2.5% of the Loan Amt

0.5% - 2% of the Loan Amt
Preclosure Charges
2%, Nil foreclosure charges after 12 months
2%, Nil foreclosure charges after 24 months
Overdraft Facility

Personal Loan in Thrissur Features

Personal Loan Thrissur

A personal loan is the only type of loan which is not secured by collateral. The Credit Grade, loan amount, and length of time are the key features to decide on the interest rate. There can be either a salaried person, Self-employed person, or Self– employed to apply for Personal loan Thrissur.

Below are the key points to know before applying for personal loans in Thrissur.

  • Minimum Documentation is required.
  • Competitive Rate of Interest.
  • It Completes Immediate need for financial help.

Personal Loan in Thrissur Interest Rates and Charges

Processing Fee
Prepayment Charges
HDFC Bank Personal Loan
0.25% to 1.50%
2%, Nil foreclosure charges after 3 months
Axis Bank Personal Loan
0.50% to 1.50%
ICICI Bank Personal Loan
0.25% to 1.50%
2%, Nil foreclosure charges after 9 months
SBI Personal Loan
500/- to 0.50%
Kotak Personal Loan
1% to 2%
2.25% of fore closure amount if closed 1 month ahead of the tenure.
IIFL Personal Loan
Muthoot Personal Loan
Manappauram Personal Loan
PNB Personal Loan
0.70% to 1%
Canara Bank Personal Loan
Andhra Bank Personal Loan

To check Personal Loan Interest Rate for all major banks you can visit: Personal Loan Interest Rates

Personal Loan in Thrissur Documents Required

Documents required to avail a personal loan vary for salaried customers and self-employed ones. The following are important documents for both kinds of customers:

Salaried Customers:

  1. PAN Card is required.
  2. Residence Proof is a must.
  3. Passport-sized photo
  4. Identity proof (Aadhar card/driving license) is required.
  5. Salary slips of the last three months are needed.
  6. Bank statements for the last six months are needed.
  7. In the case of rented apartments, the rent agreement needs to be attached with the application.

Self-Employed Customers:

  1. All financials are required and need to be submitted with the application.
  2. PAN Card is needed.
  3. Aadhar Card is needed.
  4. Residence Proof is also required.
  5. Two passport-sized photographs are attached to the application.

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Personal Loan in Thrissur Eligibility Criteria

Personal Loan Eligibility criteria for both Salaried and Self-Employed are different:

Salaried Applicants

  1. The minimum age of the applicant should be 21 years and a maximum of up to 60 years.
  2. If the borrower should have a salary of minimum Rs.25,000 per month
  3. Work Experience of 3 years tares required.
  4. The person must have a good CIBIL score to apply for a loan, i.e., at least 700+.

To know more about: Personal Loan for Salaried Applicant

Self-Employed Applicants

  1. The self-employed person’s age should be minimum of 25 years, and it helps to expedite the loan process.
  2. The applicant should file ITR at least for the last three years.
  3. The CIBIL of the applicant should be good, and no debt should be left due.
  4. The ITR(Income tax return) in which the applicant files should be Rs 2.5 lakhs per annum at least.
  5. And the applicant is a businessman than his business should be running for the last three years.
  6. The age of the applicant should be 25 years.

To know more about: Personal Loan for Self-employed Applicant

Why Apply for Personal Loan Thrissur?

  1. The Loan amount depends upon the income and repayment capability of the applicant.
  2. Personal Loan Thrissur is a multi-purpose offer that can be used for almost all financial problems.
  3. No need to put any property or asset as security to the lender.
  4. No cosigner needed for Personal Loan Thrissur.
  5. A personal loan does not require any guarantor or nominee.

How to apply for Personal Loan Thrissur?

To apply for an Instant Personal Loan Thrissur, Applicants don’t need to visit the bank’s branch as applicants can apply for it online at The process is very easy & handy. This involves only a few steps:

  • Click here and fill the form.
  • The relationship Manager Will Call the applicant in the Next 2 Working Hours.
  • Compare personal loan offers from several banks and NBFCs on the DialaBank website.
  • Check the eligibility and View the best offers available.
  • Select the desired bank or keep in contact with the Relationship Manager of DialaBank for more assistance.
  • After selecting the bank, fill out a form to process the loan application.
  • Upload all the documents or schedule document pickup from home or office.
  • After your documents are verified, the bank’s executive will give the applicant a verification call.
  • The amount will get disbursed to the applicant’s account within 3-5 working days if the loan gets approved.

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Processing Fee / Prepayment Charges on Personal Loan Thrissur

Every Bank and NBFC charges two kinds of fees from its customers. The first is a fee for processing your Personal Loan application. These charges are 1% of the loan amount.

In case you wish to foreclose your loan before the agreed loan tenure, every lending institution charges you a penal prepayment fee. In most cases, you cannot close your loan before 12 months. Post that the charges vary depending on how many years the loan has done. These charges vary from 4% of the outstanding loan amount in the 2nd year to 2% in the 4th year of the loan.

Personal Loan Thrissur EMI Calculator

The Personal Loan EMI Calculator can be used to know your EMI value on your loan amount. Equated Monthly Installments also know as EMI are the monthly charges that you pay to the bank as monthly repayment for the loan amount borrowed. Based on your profile, income, loan amount, and tenure, the interest rate on your loan is determined. Your EMI is calculated basis the Interest Rate you are charged by the bank which is required to be paid every month.

CIBIL Score required for Personal Loan Thrissur

Every lending institution has its own criteria for the minimum CIBIL score required for processing a Personal Loan application in Thrissur.

  1. A good CIBIL score is a must.
  2. Many factors influence the Personal Loan process.
  3. The Institutions go through a detailed analysis of the Loan Repayment of your past Loans.

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Personal Loan in Thrissur Agent and Contact Number

DialaBank is the best agent present everywhere to help you regarding Personal Loan Thrissur. A dedicated Relationship Manager is present to help you go through the process and help you avail the loan in less time and fulfill your urgent need of money.

Call 9878981166 and get instant help and approval for Instant Personal Loan in Thrissur.

Pre Calculated EMI Table for Personal Loan Thrissur

5 Yrs
4 Yrs
3 Yrs

About Thrissur

Thrissur/Trichur is the 20th largest city in India; it is also known as Thiru Siva Peroor and is the cultural capital of Kerala. It is located 300km towards the north-west of the state capital Thiruvananthapuram. Historically Thrissur has been a center of Hindu scholarship. Thrissur is the major commercial and financial hub of Kerala.

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