Skip to content

Personal Loan Cochin

Personal Loan @ 10.50%

Apply & Get Instant Approval

All about Personal Loan Cochin

Are you looking for a personal loan in Cochin instantly?

Be sure to check out all the details mentioned down below and apply with to get a fair deal on Personal Loan Cochin.

What all things should I be aware of when taking a personal loan from banks in Cochin?

Interest Rates

You want to consider the rate of interest coupled with other fees.



Interest Rates

11.99% 14.00%

Processing Fee

1.50% to 3% Up to 2% of loan amount

Tenure of Loan

24- 60 months 12-48 months

Amount of Loan

Rs.1 Lakh-Rs.25 Lakh Rs.5 Lakh- Rs.30 Lakh


Part Prepayment 


Allowed after 1 EMI.


Allowed after 1 EMI. 




Allowed after 1 EMI.


Allowed after 1 EMI.


Benefits and Features

There are many reasons why you should think about getting your personal loan Cochin online. 

Digital Application 

Online application from the comfort of home. 

Credit Range

Rs.50,000 to Rs. 50,00,000 based on your income and other factors.


Quick money in hand can play the most important part in your life. Fortunately, no security is required. Hence, you do not have to worry about any asset.

Tailored and Flexible

Additionally, banks allows for schemes whereby they bring in all segments of the socio-economic society.


What are the documents I have to give to get personal loan in Cochin?

Identity proof  

Passport, PAN Card, Aadhaar card, Voter ID, Driving license or Government issued Identity cards. 

Residential Proof  

Passport, Driving License, Voter ID card, utility bills such as Electricity/ Telephone/ Mobile bill, bank statement (not more than 3 months old) or similarly a Leave and License agreement.

Income Proof  

 SALARIED: Last 3 months’ salary slip, last 6 months’ bank  account statement showing salary credit and Last 1-2 years  Form 16.   

 SELF-EMPLOYED: Income Tax Returns of at least 3 years.

Age Proof  

PAN card, Passport, Driving License, Voter ID, Birth certificate, Employee ID card (only for PSU/ Government employees), School/ college leaving certificate.

Eligibility Criteria


Can I get a personal loan with salary less than 15000? Make sure to check the eligibility criteria.


SALARIED: A net salary of minimum Rs.15,000/-* per month.

SELF-EMPLOYED: Turnover of at least 20-25 lakhs, more or less.

Minimum education

The applicant should be a Graduate.


Moreover, applicant should be living in a city for at least one year.

Job Stability

SALARIED: Minimum work experience of one year is required.

SELF-EMPLOYED: Company should be registered for 3 years minimum.

Credit score

Maintain a credit score of 750 or more. As a good CIBIL improves your application.

*varies from city to city

I still have more questions about personal loans in Cochin.

 1. Are there any foreclosure and part-prepayment charges?


2. How do I repay the Loan?  

You can pay through E.M.I.s using Electronic Clearance Service. Also through post-dated charges.

3. What is a secure fee for an online application? Also, what if I don’t pay the secure fees online?

The secure fee is a charge for the submission or processing of your application. In response to the second part, you lose the benefit of instant approval.

4. Is my information safe? 

 It is secure.

5. Do I have to give any security for Personal Loan Cochin?


6.Bad CIBIL defaulter. Can I apply? 

 Yes. We will analyse your case and guide accordingly.


Kochi , also known as Cochin, is a major port city on the south-west coast of India. Credit demand is generally higher in such cities as people have to maintain a certain standard of living and affordability. Getting personal loans in Cochin is easier than you think with quick disbursement.

*Not from Cochin? Or looking for a specific bank or private provider? We’ve got you covered!

What is the best bank to get loan in Cochin with low interest? Find below links to major private and public banks and cities offering cheap personal loans.