Personal Loan Thrissur

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Personal Loan Thrissur

Best Banks for Personal Loan in Thrissur

Feature
HDFC Bank
ICICI Bank
Bajaj Finance
Interest Rate
10.75% - 17%
11.25% - 18.5%
12%
Min Loan Amt
Metro : 75000 & Non Metro: 50000
50000
100000
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
Nil
Overdraft Facility
No
No
Yes

Personal Loan in Thrissur Features

Personal Loan Details
Interest Rate
10.75% to 24% p.a.
Processing Fees 0.5-2.5%
Loan Tenure
1 year to 5 years
Pre-closure Charges 2% - 5%
Guarantor Requirement
No guarantor required

 

A Personal Loan is the only type of loan which is not secured Personal Loan Thrissur 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

Interest Rate 9.99%

+91

Personal Loan in Thrissur Interest Rates and Charges – May 28 2022

Name of the Bank Interest Rate Range Processing Fee Range Loan Amount Tenure
ICICI Bank 11.59% - 18.49% (Fixed) 2.25% (min. Rs.1149) One time fee Rs.20 lakh (Max) 1-5 Years
CitiBank 10.99% - 15.99% (Fixed) 1% to 2.5% Rs.30 lakh (Max) 1-5 Years
Kotak Mahindra Bank 10.99% to 24% p.a. Up to 2.5% of the loan amount along with GST or service tax Rs.50,000 to Rs.15 lakh 1 to 5 Years
Fullerton India 11.99% to 23.99 p.a. Information not provided. Up to Rs.20 lakh for salaried and up to Rs.30 lakh for self-employed individuals 1 to 4 Years
Bank of Baroda 11.35% - 14.35%Fixed Rs.1,000 to Rs.10,000 (One time fee) Rs.20,000 - Rs.2 lakh 4 Years (Max)
State Bank of India 12.90% - 14.90% (Fixed) 1% (One time fee) Rs.24,000 - 15 lakh 5 Years
Aditya Birla 11.5% - 13.25% (Fixed) Nil Rs.30 lakh (Max) 1-5 Years
Allahabad Bank Information not provided 1.06% of loan amount Information not provided. 1 to 5 Years
Yes Bank 14% p.a. Up to 2% (One-time fee) Rs.2 lakh to Rs.20 lakh 1 to 5 Years
Corporation Bank 12.75% to 13.75% p.a. Up to 1.5% Minimum amount of Rs.500 Up to Rs.3.50 lakh Up to 5 Years

Personal Loan Thrissur Fees & Charges – May 28 2022

Bank 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% Nil
ICICI Bank Personal Loan 0.25% to 1.50%
2%, Nil foreclosure charges after 9 months
SBI Personal Loan 500/- to 0.50% Nil
Kotak Personal Loan 1% to 2%
2.25% of fore closure amount if closed 1 month ahead of the tenure.
IIFL Personal Loan Nil Nil
Muthoot Personal Loan Nil Nil
Manappauram Personal Loan Nil Nil
PNB Personal Loan 0.70% to 1% Nil
Canara Bank Personal Loan 0.01 Nil
Andhra Bank Personal Loan Nil Nil

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

PERSONAL LOAN

Interest Rate 9.99%

+91

Documents Required for Personal Loan in Thrissur 

List of Documents Required for Salaried Applicants

Salaried individuals must submit the following documents in addition to a completed personal loan application form:

Photo Identity Proof (Any one) Passport
PAN Card
Voter’s ID
Aadhar Card
Driving License
Address Proof (Any one)
Passport
Utility Bill (telephone, electricity, water, gas) – less than 2 months old
Aadhaar Card
Driving License
Ration Card
Income Proof
Salary slips (Last 3 months)
Bank statements for the last 3 to 6 months (showing salary credit)
Tax Paid (Any one
IT returns (for 2 years)
Form 16
Residence Ownership Proof (Any one)
Property documents
Maintenance bill
Electricity bill
Proof of Job Continuity (Any one)
Current employment certificate
Current job appointment letter (if more than 2 years have been spent in the same organisation)
Experience certificate (previous employer’s relieving or appointment letter along with job certificate)
Proof of Investment (if any)
Fixed assets, fixed deposit, shares, etc.
Existing Loans (if any)
Payment Track Record & Sanction letter
Photograph
One coloured passport size photograph

 

List of Documents Required for Self-employed Applicants

Self-employed personal loan applicants must submit the following documents in addition to a fully completed loan application form:

Photo Identity Proof (Any one) Passport
PAN Card
Voter’s ID
Aadhaar Card
Driving License
Address Proof (Any one)
Passport
Aadhaar Card
Driving License
Utility Bill (telephone, water, electricity, gas) – less than 2 months old
Ration Card
Proof of Residence Ownership (Any one)
Property documents
Maintenance bill
Electricity bill
Proof of Office Address and Ownership (Any one)
Maintenance bill
Property documents
Electricity bill
Proof of Business Existence (Any one)
Copy of GST registration
Company registration license
Shop establishment proof
Income Proof
Last 2 years Income tax returns of the applicant along with computation of income duly attested by a Chartered Accountant
Audited balance sheet and Profit & Loss accounts, including tax audit report, if applicable
Bank statement
Savings/current account bank statement/ bank passbook for the past one year
Proof of Investment (in case any)
Investments such as fixed deposit, fixed assets, shares, etc.
Existing Loans (in case any)
Payment Track Record and sanction letter
Professional Degree Certificate
In case of professionals
Photograph
One coloured passport size photograph

 

List of Documents Required for NRI Applicants

When applying for a personal loan, NRI candidates are typically required to submit the following documents:

Identity Proof Copy of the passport
Copy of the visa
Employment Proof Letter of Appointment
Job contract
Labour/ Identity card (if applicable)
Official email ID or the HR’s email ID
Income Proof Last 6 months’ bank statements
Last 6 months’ salary slips or salary certificate
Photograph Passport size photographs

 

List of Documents Required for Pensioners

When applying for a personal loan, a pensioner must submit the following documents:

Identity/Age Proof (Any one)
Ration card
Passport
PAN card
Aadhar card
Voter ID card
Driving licence
Birth certificate
School leaving certificate
Address Proof (Any one) Passport
Aadhaar card
Utility bills
Ration card
Driving licence
Income Proof (Any one)
Last 6 months’ bank statements/salary slips
Bank passbook
Form 16
Copy of pension payment order
Income tax returns
Photographs
Passport size photographs

 

Know More About: Personal Loan Eligibility Criteria

Personal Loan Thrissur Eligibility Criteria

Particulars Salaried Self-Employed
Age 21 - 60 years 21 - 65 years
Minimum Income Rs.15,000* Rs.5 Lakh p.a.
Co-applicant Not mandatory Not mandatory
Loan Tenure 12 – 60 months 12 – 60 months
Maximum Loan Amount Rs.40 Lakh Rs.40 Lakh
Employment Type Employees of private limited companies and public sector undertakings
Self-employed individuals
Employment/Business Continuity At least 2 years; minimum 1 year with current employer
4 years Post Qualification experience for Doctors/ Chartered Accountants.
5 years Post Qualification experience for Company Secretary / Architect.
CIBIL Score 750 and above 750 and above
Residential Status
Resident Indian staying in own house or a rented house

 

*In cities such as Kochi, Kolkata, Ahmedabad, Pune, Hyderabad, Mumbai, Chennai, Bengaluru, and Delhi the net monthly income required is Rs.20,000

Click here to know more about - Salaried Applicant
Click here to know more about - Self-employed Applicant

*Note: The eligibility criteria vary from lender to lender.

Check Personal Loan Eligibility with Top Lenders in 2021

Bank Age Limit Minimum Work Experience
Minimum Income (Per Month)
SBI Up to 76 years NA** Rs.15,000
HDFC 21 to 60 years 2 years Rs. 20,000
ICICI 23 to 58 years 2 to 5 years Rs.17,500
Axis 21 to 60 years NA** Rs.15,000
Kotak Mahindra 22 to 55 years 1 year Rs.25,000
Tata Capital 21 to 58 years 1 year Rs.15,000
IndusInd 21 to 60 years 2 to 5 years Rs.25,000
Ujjivan Small Finance 22 to 58 years NA**
Above the minimum wage limit
India Infoline Finance Limited 25 to 60 years 6 months to 2 years Rs.35,000
HDBFS 21 to 65 years 1 year to 3 years
Rs.15,000 for salaried
Rs.1 lakh p.a. for self-employed
Indian Overseas Bank Up to 58 years NA* Rs.5,000
IDFC First Bank 23 to 68 years 3 years NA*
Federal Bank 21 - 55 Years 3 years Rs.25,000
Punjab National Bank 21 – 58 years 2 years for doctors Rs.15,000
Andhra Bank 21 - 55 years NA** NA*
Canara Bank NA** NA**
Salaried: Rs.6,000 & above
Self-employed - Rs. 1.5 lakh
IDBI Bank Up to 75 years for Pensioners NA** Rs.1.5 lakh p.a.
Fullerton India 21 to 55 years 1 to 2 years Rs.15,000
RBL Bank 25 to 60 years 1 to 3 years Rs.25,000
Bank of Baroda 21 to 60 years 1 year to 2 years
60% of gross monthly income
Deutsche Bank 25 to 60 years NA** Rs.25,000
Karnataka Bank NA** 3 years NA*
United Bank of India up to 75 Years 2 years NA*
UCO Bank 21 to 65 years 1 year to 5 years Rs.20,000

 

*Personal loan disbursal is solely at the bank’s discretion and as per the bank’s terms and conditions

Learn More about Personal Loan: Click Here

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.

To know more about eligibility, click here: Personal Loan Eligibility.

PERSONAL LOAN

Interest Rate 9.99%

+91

Why Apply for Personal Loan in 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 in 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 DialaBank.com. 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.

PERSONAL LOAN

Interest Rate 9.99%

+91

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.

PERSONAL LOAN

Interest Rate 9.99%

+91

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.

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. You can apply online at www.dialabank.com or give a call at 9878981166.

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

PERSONAL LOAN

Interest Rate 9.99%

+91

Personal Loan Thrissur Contact Number

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

Pre Calculated EMI Table for Personal Loan Thrissur

Rate
5 Yrs
4 Yrs
3 Yrs
10.50%
2149
2560
3250
11.00%
2174
2584
3273
11.50%
2199
2608
3297
12.00%
2224
2633
3321
12.50%
2249
2658
3345
13.00%
2275
2682
3369
13.50%
2300
2707
3393
14.00%
2326
2732
3417
14.50%
2352
2757
3442
15.00%
2378
2783
3466

PERSONAL LOAN

Interest Rate 9.99%

+91

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.

Other Cities for Personal Loan in Kerela

Personal Loan Triprayar Personal Loan Vadakara
Personal Loan Vadakkancheri Personal Loan Vatanappally
Personal Loan Wadakkanchery  

PERSONAL LOAN

Interest Rate 9.99%

+91

FAQs on Personal Loan Thrissur

✅ Are there any foreclosure and part-payment charges for Personal Loan in Thrissur?

Yes, banks levy foreclosure and part-payment charges in Thrissur.

✅ How do I apply for a salaried Personal Loan in Thrissur?

You can apply for a salaried Personal Loan in Thrissur with the best agent – Dialabank. You can apply online at www.dialabank.com or give a call at 9878981166 for a hassle-free and a convenient experience.

✅ How do I repay my Personal Loan?

You can repay your Personal Loan via EMIs (Equated Monthly Installements) via post-dated cheques and ECS facility.

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