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

Avail of a Quick Personal Loan in Trivandrum

Trivandrum, also known as Thiruvananthapuram, is the capital and largest city of Kerala, renowned as a hub for tourism, business, and education. Avail a Personal Loan in Trivandrum from Poonawalla Fincorp to fulfil your financial needs in this vibrant city. Whether it’s covering medical bills, paying higher education fees, or funding a wedding, you can avail up to ₹50 Lakh with ease. Enjoy competitive interest rates, minimal documentation, quick approval, flexible repayment tenure, and absolutely no hidden charges. Apply now!

Why Choose Poonawalla Fincorp

Loan Icon High Loan
Amount
Interest rate Icon Attractive
Interest Rate
collateral icon No Collateral
Required
document icon Minimal
Paperwork
EMI Icon Flexible Repayment
Tenure
Zero Icon No Hidden
Charges

Personal Loan EMI Calculator

Plan your monthly repayments efficiently with our online Personal Loan EMI (Equated Monthly Instalments) calculator. The entire process of viewing the results instantly is simple; just enter the loan amount, tenure, and interest rate, and your monthly EMI amount will be displayed. Calculate 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
12 Months
84 Months

Apply for a Personal Loan In Just 3 Steps

Step 1 icon

Click on “Apply Now”

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

Step 2 icon

Enter Details

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

Step 3 icon

Upload Documents

Upload the necessary documents for quicker approval.

Get exclusive offers thoughtfully customised just for you

Eligibility Criteria for a Personal Loan in Trivandrum

Meet our easy eligibility criteria to avail instant Personal Loans:

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

Documents Required for a Personal Loan in Trivandrum

Submit the essential documents for a streamlined Personal Loan application process:

  • KYC Documents: PAN Card, Aadhaar Card, Voter ID, Driving License, or Passport.
  • Address Proof: Utility Bills, Passport or Rent Agreement.
  • Income Documents: Salary slip for the last 1 month.
  • Financial Documents Bank statement for the last 3 months.
  • Employment Proof: Official email ID or employee ID card. 

Interest Rate and Charges for a Personal Loan in Trivandrum

We offer loans at competitive interest rates and nominal 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 Trivandrum

Here are a few uses of a Personal Loan in Trivandrum

  • Higher education 

  • Medical emergencies 

  • Debt consolidation 

  • Home renovation 

  • Vacation 

Who Can Get a Personal Loan in Trivandrum

You can get a Personal Loan in Trivandrum if you are a:

  • Salaried individuals

  • Salaried doctors

  • Salaried Chartered Accountants

  • Salaried Company Secretaries

Tips for a Successful Personal Loan Application

Check out some tips for a successful Personal Loan application:

  • Meet eligibility criteria 

  • Maintain a healthy debt-to-income ratio  

  • Review your credit score 

  • Disclose all income sources 

  • Provide accurate personal details

Poonawalla Fincorp 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

What can I use a Personal Loan in Trivandrum for?

A personal loan can be used to cover any financial requirements, including home renovations, travel costs, wedding expenses, medical emergencies, or any other situation where you need additional funds. As it is an unsecured loan, there are no end-use restrictions.

What documents are required to avail of a Personal Loan in Trivandrum?

To avail of a Personal Loan online, you must submit identity proof (Aadhaar card or PAN Card), income proof, financial proof, and proof of employment. Check your documents page for further details. 

What are the repayment instrument dishonour charges associated with a Personal Loan in Trivandrum?

Poonawalla Fincorp levies a penalty of ₹500 plus applicable taxes in case of a cheque bounce. This charge is applied each time a scheduled EMI payment fails due to insufficient funds in your bank account or any other reason.

Are personal loans in Trivandrum available for all?

Personal loans are available for both salaried and self-employed individuals in Trivandrum. Applicants must meet basic eligibility criteria, i.e. they should be within the age bracket, have a high credit score, meet the minimum income requirement, and have relevant work experience.

Are Personal Loans secured?

No, personal loans are unsecured loans, i.e. you are not required to provide collateral. Ensure you meet the specific eligibility criteria, like having a good repayment history and meeting the minimum income requirement; due to being unsecured, instant personal loans go through higher scrutiny during the approval process.