Personal Loans in Kerala

Compare offers from top lenders and calculate your EMI in seconds.

Instant Approval
Minimal Documentation
Low Interest Rates
100% Secure
Personal Loan EMI Calculator
₹50,000₹50,00,000
Min 10%Max 30%
Min 12 monthsMax 36 months
Monthly EMI
₹1,03,996
Interest Payable
₹7,43,855

Best Personal Loan Offers from Top Lenders

Compare the rates and features of leading banks and NBFCs

*Interest rates as of January 2026. Depending on your credit profile, your rate may differ

Most Popular
HDFC Bank

Interest Rate

9.9% - 24.0%

Max Amount

₹50 Lakhs

Tenure

84 months

Processing Fee

Up to 2%

Key Features:

Pre-approved Offers100% Digital Process10 Second Disbursal
Most Popular
ICICI Bank

Interest Rate

10.4% - 17.0%

Max Amount

₹50 Lakhs

Tenure

60 months

Processing Fee

Up to 2%

Key Features:

3 Second DisbursalOverdraft FacilityTop-up Loans
Axis Bank

Interest Rate

9.9% - 22.0%

Max Amount

₹40 Lakhs

Tenure

84 months

Processing Fee

Up to 2%

Key Features:

Digital ProcessingInstant ApprovalPre-qualified Offers
Kotak Mahindra Bank

Interest Rate

10.9% - 30.0%

Max Amount

₹35 Lakhs

Tenure

72 months

Processing Fee

1.1% to 1.5%

Key Features:

Balance TransferOverdraft FacilityTop-up Loans
IndusInd Bank

Interest Rate

12.0% - 21.0%

Max Amount

₹50 Lakhs

Tenure

48 months

Processing Fee

1.3% - 2%

Key Features:

Multiple Loan VariantsQuick ProcessingInstant Loans
IDFC FIRST Bank

Interest Rate

9.9% - 38.0%

Max Amount

₹50 Lakhs

Tenure

60 months

Processing Fee

Up to 2%

Key Features:

100% Digital ProcessQuick DisbursalFlexible Tenure
Bandhan Bank

Interest Rate

9.4% - 20.9%

Max Amount

₹25 Lakhs

Tenure

60 months

Processing Fee

Up to 2%

Key Features:

Quick ProcessingDigital ApplicationFlexible Tenure
Standard Chartered

Interest Rate

10.2% - 23%

Max Amount

₹50 Lakhs

Tenure

60 months

Processing Fee

2.25%

Key Features:

Flexible EligibilityFast ApprovalOnline Application
Yes Bank

Interest Rate

12.0% - 21.0%

Max Amount

₹50 Lakhs

Tenure

72 months

Processing Fee

1.5% to 2.25%

Key Features:

Quick ProcessingDigital ApplicationFlexible Tenure
CSB Bank

Interest Rate

11.7% - 21.0%

Max Amount

₹40 Lakhs

Tenure

60 months

Processing Fee

Depends

Key Features:

Quick ProcessingTransparent PricingFlexible Tenure
SBI Bank

Interest Rate

10.3% - 15.3%

Max Amount

₹30 Lakhs

Tenure

72 months

Processing Fee

1.50%

Key Features:

Wide EligibilityCompetitive RatesFlexible Tenure
Canara Bank

Interest Rate

10.7% - 16.1%

Max Amount

₹30 Lakhs

Tenure

60 months

Processing Fee

0.50%

Key Features:

Competitive RatesFast ProcessingFlexible Tenure
RBL Bank

Interest Rate

18.0%

Max Amount

₹20 Lakhs

Tenure

60 months

Processing Fee

Up to 2%

Key Features:

Quick ProcessingDigital ApplicationFlexible Tenure
Tata Capital Limited

Interest Rate

11.9% - 13.9%

Max Amount

₹35 Lakhs

Tenure

60 months

Processing Fee

1% - 1.25%

Key Features:

Fast ApprovalDigital ApplicationFlexible Tenure
Federal Bank

Interest Rate

12.0% - 19.5%

Max Amount

₹5 Lakhs

Tenure

60 months

Processing Fee

Up to 2%

Key Features:

Quick ProcessingDigital ApplicationFlexible Tenure

Why Choose Personal Loans from PaisaOne?

Instant Approval

Get your loan approved within minutes, easy and stress-free.

Minimal Documentation

Hassle-free with only essential documents.

Low Interest Rates

Enjoy rates starting at just 9.47%* p.a. with competitive interest rates and flexible tenure.

100% Secure

Safeguarding your information with SSL encryption & bank-grade data security.

Personal Loans for NRIs and Returning Professionals

Kerala's unique economic profile with strong NRI remittances and educated workforce creates diverse lending opportunities. Personal loans support home renovations, education, medical emergencies, and business ventures. PaisaOne's platform simplifies access to credit, register using your phone, upload documents, and instantly compare offers from 30+ lenders. Borrow up to ₹10 lakhs collateral-free with approval and funding in minutes (15-30 minutes). Our soft inquiry system protects your CIBIL score, interest rates range from 9.99%-45% p.a., and we approve customers with CIBIL scores of 650+.

No collateral or security required
Quick approval and fast disbursal
Fixed EMIs for better financial planning
Personal Loan

Choose a loan type that is right for you

Flexible usage for all your financial needs

Compare on PaisaOne

Compare rates, tentative EMIs, maximum loan amounts, expected disbursement times, and required documents of each offer.

Check offers from banks/ NBFCs you already bank with

Check with existing lenders to see if you can get better rates or lower processing fees by using your existing accounts (e.g. salary/savings account, FD, credit card).

Compare total cost, not just the interest rate

Confirm processing fees, foreclosure lock-ins, part-prepayment rules, and all penalties, including late payment, cheque/mandate bounces and ECS returns.

Choose what fits your needs and repayment capacity

To reduce the interest outgo, choose the shortest tenure you can afford. Leave room for emergencies. Look for lenders that allow part-prepayment for free or at a low cost.

Personal Loan Eligibility Criteria

Find out if you qualify for a personal loan

Criteria

Age
Minimum Salary
Work Experience
Credit Score
Employment Type

Salaried Individuals

21-60 Years
₹15,000 per month
At least 1 year
650+ (750+ preferred)
Government/PSU/MNC/Corporate

Types of Personal Loans

Choose a loan type that is right for you

personal loan for relocation

Personal loans for relocation, instant funds for moving, shifting, new home setup. Cover movers, advance rent, deposits, furniture, quick approval, flexible terms.

personal loan for travel

Get instant personal loans for travel & vacation, affordable rates, flexible terms, quick approval. Fund your dream trip instantly, no collateral needed, soft inquiry protects CIBIL.

Personal Loan In Chandigarh

Quick personal loans in Chandigarh with minimal documentation & fast approval. Instant funds transfer, CIBIL score 650+, no collateral required.

Personal Loan In Trichy

Get personal loans in Trichy for manufacturing & education sector—instant approval, competitive rates. Collateral-free, soft inquiry, quick disbursement.

20 lakh personal loan

Get 20 Lakh personal loan with instant approval & flexible rates. Premium personal loan for major goals, soft inquiry, funds in 15-30 minutes, 30+ lenders.

personal loan for rent payment

Personal loans for rent payment, instant funds when rent is due, quick approval, flexible terms. Cover unexpected rent gaps, quick disbursal, soft inquiry, no collateral.

Documents Required for Personal Loan

Quick approval with minimal paperwork

Identity Proof

PAN Card
Aadhaar Card
Passport
Voter ID Card
Driving License

Address Proof

Aadhaar Card
Passport
Utility Bills
Rent Agreement
Bank Passbook

Income Proof

Salary Slips (3 months)
Bank Statements (6 months)
Form 16
Employment Certificate

Types of Personal Loans

Choose a loan type that is right for you

Personal Loan Bank Transfer

Get a better interest rate and terms on your current loan by transferring it to a new lender.

Key Benefits:
Lower Interest Rates
Extended Tenure
Top-up Facility
Better Service

Top-up Personal Loan

Extra financial assistance over your existing personal loan.

Key Benefits:
Lower Processing Fee
Quick Approval
Flexible Usage
Competitive Rates

Short-term Personal Loan

Short-term loans for immediate financial needs.

Key Benefits:
Lower Interest Cost
Quick Repayment
Flexible Terms
Fast Processing

Features and Benefits of Personal Loans

Your one-stop platform for quick and easy online loans

Collateral-free Loan

Get easy approval for personal loans without pledging any assets

No End-use Restriction

 Personal loans can be used for any purpose and require no collateral.

Quick Disbursals

Money in your bank account within 24 - 48 hours

Competitive Interest Rates

Fast personal loans online with interest rates from 9.47%* p.a

Minimal Documentation

Get a personal loan online with just KYC & income documents

Flexible Tenure

Choose a repayment tenure between 12 and 84 months

Personal Loan EMI Calculator

Calculate your monthly repayment, compare options, and plan your finances for a stress-free borrowing experience with our Personal Loan EMI calculator.

Personal Loan EMI Calculator

Loan Amount (₹)
₹50K
₹2cr
Interest Rate (% per annum)
8%
30%
Loan Tenure (Years)
1 Year
30 Years

EMI Calculation Results

Rate of Interest
Principle Amount
₹2,69,870
Monthly EMI
₹3,23,84,399
Total Amount Payable
₹1,23,84,399
Total Interest

EMI Breakdown

Principal Amount
₹2,00,00,000
Total Interest
₹1,23,84,399
Total Amount
₹3,23,84,399

Frequently Asked Questions

Get answers to common questions about personal loans in kerala

At PaisaOne, we typically require a CIBIL score of 650 or above. However, we also consider other factors like income stability, employment history, and existing financial profile. Even if your CIBIL score is below 650 or if you are new to credit, you may still qualify based on other eligibility criteria.

With PaisaOne, the process is extremely fast. You can get approval within minutes after uploading your documents and completing the verification process. Once approved, funds are typically disbursed to your account within 15-30 minutes, depending on your bank.

No, PaisaOne uses soft inquiry to check your eligibility, which does not impact your CIBIL score. This means you can compare offers from multiple lenders without worrying about any negative impact on your credit profile.

You typically need basic documents including identity proof (Aadhar, PAN, Passport), address proof (utility bill, rental agreement), income proof (salary slips or bank statements for last 3-6 months), and bank account details. The exact requirements may vary by lender, and PaisaOne will guide you through the process.