Loan Amount
Up to ₹50 Lakh
Interest Rate
Starting at 9.99%* p.a.
Loan Tenure
12-84 Months

Instant Personal Loan in Kerala: EMI Calculator

Our Personal Loan EMI Calculator can help you plan your finances by charting the exact monthly payments for your loan. Just enter your loan amount, interest rates and add your preferred repayment period (tenure), and the calculator displays your estimated monthly repayment. This can help you prepare for predictable financial events like upcoming weddings or festive seasons.

Optimise Your Personal Loan Experience
With Monthly Budget Planning

Monthly Payable Amount₹8,791
Principal Amount
₹ 100000
Interest Payable
₹5,493

Loan Amount

Interest Rate

%
9.99 %
30 %

Tenure

Months
12 Months
84 Months

Why Choose Poonawalla Fincorp

Loan Icon High Loan Amount
Interest rate Icon Attractive Interest Rate
Collateral Icon Unsecured
Loan
Use Icon No End-use
Restrictions
document icon Minimal
Documentation
EMI Icon Flexible
Repayment Tenure

Apply for a Personal Loan Online in Just 3 Steps

Step 1 of loan application: Click 'Apply Now' Fill out the online form to start your loan application.

Click on “Apply Now”

Tap the “Apply Now”button to initiate your application.

Step 2 of loan application: Upload Documents Provide your KYC documents to complete the verification.

Enter Details

Enter your DOB, PAN card number, monthly income, KYC details and residential details.

Step 3 of loan application: Get Funds Get the loan amount disbursed to your bank account.

Upload Documents

Upload the necessary documents for quicker approval.

On successful verification, the loan amount will be disbursed into your bank account instantly.

Get exclusive offers thoughtfully customised just for you

Get an easy Personal Loan in Kerala by keeping the following documents ready beforehand.

KYC Documents PAN Card, Aadhaar Card, Driving License, Voter ID, Passport.
Address Proof

Passport, Utility Bills, Rent Agreement.

Income Proof Salary slips for the last 3 months.
Financial Proof Bank statement for the last 3 months.
Employment Proof Office email/ Office ID card (in case the office email ID is not confirmed).

Learn more about documents required for a Personal Loan

An Instant Personal Loan in Kerala helps you keep up with both planned and unplanned expenses that come with life in ‘God’s Own Country’.

  • Upgrade home appliances: As Kerala’s legacy bungalows upgrade into the modern era, quick finances can help lift sudden strain off the bank account.
  • Cover unexpected medical costs: A Personal Loan can cover a sudden trip to Ernakulam for medical emergencies.
  • Renovate your home: Be it a family estate in Payyannur or an apartment in Kannur, a thorough home renovation can help transform your lifestyle without dipping into savings.
  • Plan and fund your trips: Travel need not be just to the Gulf for work. You can use funds from this loan to explore the world with ease.
  • Finance your wedding: Weddings in Kerala are a shower of flowers, gold, and distant relatives. Personal Loan funds make it easier to accommodate such expenses without exhausting your savings.
  • Salaried working professionals can comfortably secure an Instant Personal Loan in Kerala. Some profiles who commonly access this loan are:

  • IT employees and tech workers: Remote tech workers and IT employees like those at Infopark tend to earn salaries consistently above ₹30,000, making them suitable candidates.
  • Doctors and staff nurses: Salaried medical staff, like those in the hospitals of Kollam and Ernakulam, are largely considered stable by lenders. This makes them eligible for favourable loan terms. 
  • School teachers and government employees: Government jobs and teaching positions can secure an easy Personal Loan in Kerala by providing salary slips.

Even from the fragrant hillsides of Munnar, applying for an Instant Personal Loan in Kerala is a simple task. Here are a few tips for a successful application:

  • Maintain up-to-date documents: Keep all your income and identity proof documents updated to ensure a hassle-free application process.
  • Improve your credit score: Check your credit score and improve it if needed by clearing any existing debts and paying your bills on time.
  • Choose the right tenure: Apply for a longer tenure if required, so you can realistically repay your debts while ensuring that you account for predictable expenses like festive seasons in Kerala.
  • Focus on a single loan application: Avoid multiple loan applications, regardless of whether you are in Kottiyoor or Kannur, to avoid affecting your credit score.

Poonawalla Fincorp offers a competitive interest rate on Instant Personal Loan in Kerala, perfect for its evolving lifestyle.

  • Fully digital process: The whole process can be completed online on the Poonawalla Fincorp website or app, which makes applying possible even from rural areas like Kolayad and Munnar.
  • Flexible repayment options: Being able to choose preferred repayment tenure allows for flexibility around expected hiccups in fast-paced economies like Ernakulam and Payyannur.
  • Attractive interest rates: Availability of competitive interest rates on this loan makes it an ideal choice for managing heavy expenses in Kerala.
  • Minimal documentation: Unsecured loan options are perfect for busy professionals like those in Kozhikode and Kannur, as they require minimal documentation.
  • No collateral required: Get funds without pledging assets, making it more accessible for salaried individuals.

Visit Poonawalla Fincorp’s branches in Kerala if you require in-person assistance:

  • Trivandrum Address: 1st Floor, Sree Uthradam Arcade, Sasthamangalam - 695010
  • Tirur Address: 1st Floor, Kottathara Complex, Naduvilangadi - 676107
  • Thrissur Address: 2nd Floor, Chowallur Tower, Civil Lines Road, Opposite Mar Augin Thoovana Church, West Fort - 680004
  • Iddikki Address: 1st Floor, Choice Garden, Survey No: 125/3, Vengallur-Mangattukavala Bypass Road, Thodupuzha - 685585
  • Palakkad Address: 1st Floor, Koppan Trade Center, Mela Pattambi Post, Palakkad Road - 679306

Contact Number: 1800-266-3201 (Toll Free)
Timing: 9:00 AM to 7:00 PM | Monday - Saturday (Closed on Sunday & Public holidays)

Get Funds Quickly With
Minimal
Documentation

1

Click 'Apply Now' Fill out the online form to start your loan application.

2

Upload Documents Provide your KYC documents to complete the verification.

3

Get Funds Get the loan amount
disbursed to your bank account.

Happy Customers, Happy Us

Get exclusive access to simplified
Personal Finance
Information at
Poonawalla Fincorp’s FinHub

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Frequently Asked Questions

Instant Personal Loan interest rate in Kerala starts at 9.99%* p.a. at Poonawalla Fincorp. The final rate depends on your credit profile, income, and other eligibility factors.

You can apply for a Personal Loan from Poonawalla Fincorp in Palakkad and across India by applying online through our website or mobile app. To qualify, you need to meet certain eligibility criteria and submit the required documents.

Yes, while applicants with a low credit score can still apply for a Personal Loan in Kerala, the chances and speed of approval, as well as the favourability of loan terms, improve with a high credit score.

Yes, Poonawalla Fincorp’s Instant Personal Loan in Kerala can be used to pay for travel expenses.

You can use Poonawalla Fincorp’s EMI calculator to help calculate your monthly repayments based on your preferred repayment periods.

Yes, you can prepay your Instant Loan in Kerala. If the prepayment is made after the first six EMIs using your own funds, no additional charges are levied. However, charges may apply if the prepayment is made within the first six months or through a balance transfer from another financial institution.

No, Poonawalla Fincorp maintains complete transparency with zero hidden charges for its Instant Personal Loan in Kerala.

contact us

Corporate Office: Unit No.
2401 , 24th Floor, Altimus,
Dr G.M. Bhosale Marg, Worli,
Mumbai, Maharashtra-400018

Registered Office: 201 and 202,
2nd Floor, AP81, Koregaon Park
Annexe, Mundhwa,
Pune, Maharashtra - 411036

Locate us

Toll Free No: 1800-266-3201
Timing: 9:00 AM to 7:00 PM
Monday - Saturday
(Closed on Sundays & Public holidays)

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