State Bank of Travancore Personal Loan

⋆ Interest Rate 9.99% ⋆

Check Special Offers During COVID-19

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      Why us?

      Rates as low as 9.99%*
      Loans Up to 30 Lacs
      Same Day Disbursal
      Doorstep Service
      Unbiased Experts Advice

      State Bank of Travancore Personal Loan Key Features Jan 2021

      Eligibility Criteria Details
      Age 21 – 60 Years
      CIBIL Score Minimum 700 or above
      State Bank of Travancore Personal Loan Interest Rate 9.99% per annum
      Lowest EMI per lakh Rs. 2105
      Tenure 6 to 72 months
      State Bank of Travancore Personal Loan Processing Fee 1% to 2% of Loan Amount + GST
      Prepayment Charges 3%
      Part Payment Charges Not Applicable
      Minimum Loan Amount Rs. 24,000
      Maximum Loan Amount Rs. 20 Lakh

      State Bank of Travancore Personal Loan Eligibility Criteria

      Eligibility criteria for a personal loan:

      CIBIL Score Criteria 700 and Above
      Age Criteria 21 – 60 Years
      Min Income Criteria Rs. 15000/month
      Occupation Criteria Salaried/Self-employed

      State Bank of Travancore Personal Loan Interest Rates and Charges

      State Bank of Travancore Personal Loan Interest Rate 9.99% per annum
      State Bank of Travancore Personal Loan Processing Charges 1% to 2% of Loan Amount + GST
      Prepayment Charges 3%
      Stamp Duty As per state laws
      Cheque Bounce Charges As per bank terms
      Penal Interest 2%
      Floating Rate of Interest Not Applicable

      State Bank of Travancore Personal Loan Documents Required

      Documents required by State Bank of Travancore:

      Form Duly filled application form
      Proof of Identity Copy of:
      > Passport
      > Driving License
      > Aadhar Card
      > Voter ID Card
      Proof of Address Rent Agreement (Min. 1 year of stay)
      Utility Bills
      Passport (Proof of permanent residence)
      Ration card
      Proof of Income > ITR: Last two Assessment years
      > Salary Slip: Last 6 months
      > Bank Statement: Last 3 months

      State Bank of Travancore Personal Loan EMI Calculator

      State Bank of Travancore Personal Loan Compared to Other Banks

      Bank Interest Rate Tenure Loan Amount & Proc Fee
      State Bank of Travancore 9.99% 6 to 72 months Up to Rs. 20 lakh / 1% to 2% of Loan Amount
      HDFC Bank 11.25% to 21.50% 12 to 60 months Up to Rs. 40 lakh / Up to 2.50% of the loan amount
      Bajaj Finserv Starting from 12.99% 12 to 60 months Up to Rs. 25 lakh / Up to 3.99% of the loan amount
      Axis Bank 15.75% to 24% 12 to 60 months Rs. 50,000 to Rs. 15 lakh / Up to 2% of the loan amount
      Citibank Starting from 10.99% 12 to 60 months Up to Rs. 30 lakh / Up to 3% of the loan amount
      ICICI Bank 11.50% to 19.25% 12 to 60 months Up to Rs. 20 lakh / Up to 2.25% of the loan amount

      Other Loan Products from State Bank of Travancore

      State Bank of Travancore Gold Loan State Bank of Travancore Car Loan State Bank of Travancore Home Loan State Bank of Travancore Business Loan
      State Bank of Travancore TWL State Bank of Travancore LAP State Bank of Travancore Credit Card State Bank of Travancore Education Loan

      Why should you apply for the State Bank of Travancore Personal Loan with Dialabank?

      State Bank of Travancore Personal Loan

      • Dialabank is your trustworthy financial advisor.
      • We help you with all your financial doubts and needs.
      • We make it convenient for you to choose and apply for a loan through our online platform.
      • Our team is readily and always available to you.

      How to Calculate EMIs for State Bank of Travancore Personal Loan

      The EMI calculator given below will calculate your EMI for you. Just enter your loan amount, rate of interest, and tenure.

      State Bank of Travancore Personal Loan Processing Time

      Your loan application may take up to a week of processing time after submission. Pre-approved individuals and bank customers get their processing time significantly reduced to just 48 hours.

      State Bank of Travancore Personal Loan Preclosure charges

      State Bank of Travancore allows you to prepay and close your loan account after 6 EMIs with a 3% foreclosure charge.

      State Bank of Travancore Personal Loan Overdraft Facility

      An individual overdraft is a credit office that licenses you to pull out an all-out as and when required. You can in like way repay the got out absolutely at whatever point the condition is ideal. From this time forward, it is maybe the most preferred credit decisions that profited to meet changing individual supporting necessities unbounded.

      Apply for an overdraft office as a State Bank of Travancore for a frightening new turn of events. The flexible improvement office has all the goliath features of a slight overdraft credit.

      Pre Calculated EMI for Personal Loan

      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

      Different Personal Loan offers by State Bank of Travancore

      State Bank of Travancore Marriage Loan

      A wedding is the most expensive expenditure for Indians. State Bank of Travancore provides you with low-interest personal loans to help you manage your finances and allow you to celebrate without worry.

      State Bank of Travancore Personal Loan for Government Employees

      State Bank of Travancore has special rates and privileges for the government employees and defense personnel. It provides lower processing fees, higher loan amount eligibility, and flexible tenure to public sector employees.

      State Bank of Travancore Doctor Loan

      Doctors who have been in practice for at least 4 years get special discounts and offers from the State Bank of Travancore to meet their personal and professional expenses.

      State Bank of Travancore Personal Loan for Pensioners

      State Bank of Travancore facilitates personal loans for pensioners by giving them flexible tenure, low rates of interest, and discounted processing fees. You should be drawing your pension from the bank’s account.

      State Bank of Travancore Personal Loan Balance Transfer

      Existing personal loans that might be putting a hole in your pocket can be transferred to the State Bank of Travancore at no extra charges. The bank will provide you with lower interest rates and easy EMI options.

      State Bank of Travancore Personal Loan Top Up

      Any individual with a personal loan from the State Bank of Travancore can get a top-up for additional funds and requirements without having to apply for a fresh loan.

      State Bank of Travancore Personal Loan Status

      The status of your loan can be checked by;

      • Visiting your loan branch in person.
      • Using the bank’s net-banking portal and mobile app.

      How to Apply for a Personal Loan from State Bank of Travancore?

      1. Visit Dialabank.
      2. Fill out the form.
      3. Await a call from us.
      4. Submit your documents and get an instant loan.

      FAQs About State Bank of Travancore Personal Loan

      What is the State Bank of Travancore’s loan?

      The personal loan offered by the State Bank of Travancore will help you meet your personal and daily expenses, from medical bills to weddings, education, etc.

      How does the State Bank of Travancore’s personal loan work?

      It is an unsecured loan for which you do not need any security. It is a very easy and simple loan option for your day-to-day needs.

      What is the personal loan rate of interest in the State Bank of Travancore?

      The rate of interest for a personal loan in the State Bank of Travancore is 9.99% per annum. A processing fee of 1% to 2% of the Loan Amount is also charged.

      How can I get a State Bank of Travancore’s loan?

      Apply the following steps:

      • Visit the nearest branch.
      • Apply for a personal loan.
      • Submit your documents as requested.
      • Get your loan amount.

      How to apply for a personal loan in the State Bank of Travancore?

      You can either visit the State Bank of Travancore branch directly or use Dialabank’s online portal for a more convenient option.

      How much EMI on the State Bank of Travancore personal loan?

      The personal loan EMIs are calculated using loan amount, rate of interest, and loan tenure. The minimum EMI for the State Bank of Travancore is Rs 2105 for a loan of Rs 1 lakh.

      How much CIBIL score required for availing a personal loan from the State Bank of Travancore?

      State Bank of Travancore requires a minimum CIBIL score of 700 for its loan products.

      Minimum credit score needed for State Bank of Travancore personal loan?

      The borrower shall have a minimum credit score of 700 or more to become eligible for a personal loan.

      What can I use for the State Bank of Travancore’s personal loan?

      State Bank of Travancore’s personal loan can be used for all your personal expenses and needs.

      What relaxation scheme and moratorium State Bank of Travancore provides about Personal Loan due to Covid 19?

      A 6 month period will be provided by the State Bank of Travancore.

      What is the foreclosure charge for the State Bank of Travancore’s personal loan?

      Yes, you can prepay your State Bank of Travancore personal loan with a 3% foreclosure fee.

      What is the State Bank of Travancore personal loan customer care number?

      Contact 9878981166 for any queries.

      ✅What is the State Bank of Travancore personal loan closure procedure?

      1. Visit the bank with the complete set of documents (as mentioned above).
      2. You may be required to fill a form or write a letter requesting pre-closure of the Personal Loan account.
      3. Pay the pre-closure amount.
      4. Sign the required documents, if any.
      5. Take acknowledgment of the balance amount you have paid.

      ✅What is the State Bank of Travancore Personal Loan Overdraft Facility?

      An individual overdraft is a credit office that licenses you to pull out an all-out as and when required. You can in like manner reimburse the got out totally at whatever point the condition is ideal. From this time forward, it is possibly the most favored credit choices that benefitted to meet changing individual supporting necessities unbounded.


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