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

Get a Personal Loan in Kerala in Just a Few Clicks

Kerala is often referred to as ‘God’s Own Country’. The city is famous for its ecotourism initiatives and spectacular backwaters. It is also known for its social progress, sustainable development practices, and high literacy rate. Get access to quick funds in this city with a Personal Loan in Kerala from Poonawalla Fincorp. 

With our loan, you can pay for higher education, medical emergencies, weddings, vacations, etc. We offer collateral-free loans for all your unique personal needs with no end-use restrictions. Get up to ₹50 Lakh at competitive interest rates with minimal documentation, quick approval, and no hidden charges. Apply now!
 

Why Choose Poonawalla Fincorp

High Loan Amount
Attractive Interest Rate
Unsecured
Loan
No End-use
Restrictions
Minimal
Documentation
Flexible
Repayment Tenure

Personal Loan EMI Calculator

Calculate your monthly repayments in an instant using our online EMI calculator. Just enter the loan amount, interest rate, and tenure. Try now!

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
12Months
84Months

Apply for a Personal Loan in Just 3 Steps

Step1

Click on “Apply Now”

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

Step2

Enter Details

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

Step3

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

Eligibility Criteria for a Personal Loan in Kerala

Meet our simple eligibility criteria to qualify:

  • Age: Between 21 and 60 years.
  • Citizenship: Indian.
  • Monthly Salary: At least ₹30,000
  • Employment: Full-time employment with a private or public limited company.
  • Work Experience: Minimum 1 year, with 1 month in the current company.

Documents Required for Personal Loan in Kerala

Skip the hefty paperwork and submit just the essential documents:

  • KYC Documents: Aadhaar Card, PAN Card, Driving License, Passport or Voter ID.
  • Address Proof: Electricity Bill, Passport or Rent Agreement.
  • Income Documents: Last 1 month salary slips.
  • Financial Documents: Bank statements for the last 3 months.
  • Employment Proof: Official employee mail ID or ID card.

Interest Rate and Charges for a Personal Loan in Kerala

We offer loans for personal use at attractive interest rates and minimal charges:

Interest Rate
9.99%* p.a. onwards
Loan Amount
₹1 Lakh to ₹50 Lakh
Loan Processing Fees
Up to 3% plus applicable taxes
Lowest EMI Per Month
Starting from ₹2,124* per Lakh for 60 months
Loan Tenure
12-84 months
Prepayment/Foreclosure Charges
1. Before repayment of first six EMI:
i) If Foreclosure or Prepayment is done including balance transfer from another financial institution – 4 % on amount being prepaid plus applicable taxes.
2) After repayment of first six EMI:
i) If Foreclosure or Prepayment is done from own funds of the Borrower- Nil charges.
ii) If Foreclosure or Prepayment is done any other source including by balance transfer from another bank/financial institution- 4% on amount being prepaid plus applicable Taxes.
Default Charges
24% p.a. + taxes
Repayment Instrument Dishonour Charges
₹500 per bounce plus applicable taxes
Stamp Duty
At actuals (as per state)
Hidden Charges
Nil

Default Charges: Penalty will be charged for nonpayment of EMI amount and for non-compliance of material terms and conditions, as more particularly specified at Default Charges.pdf

*T&C Apply

Different Uses of a Personal Loan in Kerala

  • Cover unexpected medical costs
  • Finance your wedding
  • Give your home a new look
  • Handle unexpected expenses
  • Plan and fund your trips
  • Upgrade your household appliances

Who Can Get a Personal Loan in Kerala

  • Salaried individuals
  • Salaried doctors
  • Salaried Chartered Accountants
  • Salaried Company Secretaries

Tips for Successful Personal Loan Application

  • Have all required documents ready
  • Check your credit score
  • Verify your eligibility
  • Provide accurate and complete information
  • Avoid multiple loan applications

Poonawalla Fincorp Branch Address in Kerala

Poonawalla Fincorp’s Branch Address in Cochin
Address: 5th Floor, Muscat Tower, Sahodaran Ayyappan Road, Above HP World, Kadavnathara, Cochin-682020
Contact Number: 1800-266-3201 (Toll Free)
Timing: 10 am – 6:30 pm (Weekly off on first and second Saturdays and all Sundays)


Poonawalla Fincorp’s Branch Address in Kannur
Address: 2nd Floor, J.R.Complex, Talap Road, Kannur, Kerala-670004
Contact Number: 1800-266-3201 (Toll Free)
Timing: 10 am – 6:30 pm (Weekly off on first and second Saturdays and all Sundays)


Poonawalla Fincorp’s Branch Address in Kanyakulam
Address: 1st Floor, Srees Building, MK Hemachandran Road, Near Sree Krishna Swamy Temple, Puthiyidom, Kanyakulam, Kerala-690502
Contact Number: 1800-266-3201 (Toll Free)
Timing: 10 am – 6:30 pm (Weekly off on first and second Saturdays and all Sundays)


Poonawalla Fincorp’s Branch Address in Kollam
Address: 2nd Floor, Sree Vigneswara Bhavan, Kadapakada, Kollam, Kerala -691008
Contact Number: 1800-266-3201 (Toll Free)
Timing: 10 am – 6:30 pm (Weekly off on first and second Saturdays and all Sundays)


Poonawalla Fincorp’s Branch Address in Kottayam
Address: 1st floor, Vetteel Estate, Kanjikuzhy, Kottayam, Kerala-686004
Contact Number: 1800-266-3201 (Toll Free)
Timing: 10 am – 6:30 pm (Weekly off on first and second Saturdays and all Sundays)


Poonawalla Fincorp’s Branch Address in Kozhikode
Address: 1st Floor, Trinity Arcade, Kannur Road, Near ESAF Bank, West Nadakkavu, Kozhikode, Kerala -673011
Contact Number: 1800-266-3201 (Toll Free)
Timing: 10 am – 6:30 pm (Weekly off on first and second Saturdays and all Sundays)


Poonawalla Fincorp’s Branch Address in Malappuram
Address: 2nd Floor, City Square, Kozhikode Road, Kottapadi junction, Down Hill, Malappuram, Kerala-676519
Contact Number: 1800-266-3201 (Toll Free)
Timing: 10 am – 6:30 pm (Weekly off on first and second Saturdays and all Sundays)


Poonawalla Fincorp’s Branch Address in Palakkad
Address: 1st Floor, KAV Center, Chandranagar, Palakkad, Kerala- 678014
Contact Number: 1800-266-3201 (Toll Free)
Timing: 10 am – 6:30 pm (Weekly off on first and second Saturdays and all Sundays)


Poonawalla Fincorp’s Branch Address in Pattambi
Address: 1st Floor, Koppan Trade Center, Mela Pattambi Post, Palakkad Road, Palakkad, Kerala-679306
Contact Number: 1800-266-3201 (Toll Free)
Timing: 10 am – 6:30 pm (Weekly off on first and second Saturdays and all Sundays)


Poonawalla Fincorp’s Branch Address in Thodupuzha
Address: 1st Floor, Choice Garden, Survey No: 125/3, Vengallur-Mangattukavala Bypass Road, Thodupuzha, Iddikki, Kerala-685585
Contact Number: 1800-266-3201 (Toll Free)
Timing: 10 am – 6:30 pm (Weekly off on first and second Saturdays and all Sundays)


Poonawalla Fincorp’s Branch Address in Thrissur
Address: 2nd Floor, Chowallur Tower, Civil Lines Road, Opp. Mar Augin Thoovana Church, West Fort, Thrissur, Kerala-680004
Contact Number: 1800-266-3201 (Toll Free)
Timing: 10 am – 6:30 pm (Weekly off on first and second Saturdays and all Sundays)


Poonawalla Fincorp’s Branch Address in Tirur
Address: 1st Floor, Kottathara Complex, Naduvilangadi, Tirur, Kerala-676107
Contact Number: 1800-266-3201 (Toll Free)
Timing: 10 am – 6:30 pm (Weekly off on first and second Saturdays and all Sundays)


Poonawalla Fincorp’s Branch Address in Trivandrum
Address: 1st Floor, Sree Uthradam Arcade, Sasthamangalam, Trivandrum, Kerala-695010
Contact Number: 1800-266-3201 (Toll Free)
Timing: 10 am – 6:30 pm (Weekly off on first and second Saturdays and all Sundays)


*T&C Apply

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

How can I get a Personal Loan from Poonawalla Fincorp?

You can get a loan from Poonawalla Fincorp by meeting the simple eligibility criteria, submitting the necessary documents and applying online.

What is the procedure for applying for Poonawalla Fincorp's Personal Loan?

Applying for a personal use loan from Poonawalla Fincorp is easy. Just follow 3 simple steps:

Step 1: Click on “Apply Now”.

Step 2: Fill out the application form.

Step 3: Upload the necessary documents.

Upon successful verification, the loan amount will be credited to your bank account.

What can I do with my Personal Loan?

You can use the loan amount to meet any of your personal needs, including:

  • Wedding events
  • Travelling costs
  • Higher education fees
  • Home improvement
  • Medical expenses
  • Debt consolidation