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Personal Loan in Thiruvananthapuram
Thiruvananthapuram, the capital of Kerala, is a busy city known for its educational institutions, healthcare facilities and thriving IT sector. Whether you need funds for higher studies, medical treatment or a home renovation, a personal loan in Thiruvananthapuram can provide the financial flexibility to meet your needs. Shriram Finance offers personal loans of up to âı10,00,000/-*
Personal Loan Types in Thiruvananthapuram
Shriram Finance features an extensive range of options for a personal loan in Thiruvananthapuram, aimed at fulfilling various financial needs:
Features and Benefits of Personal Loan in Thiruvananthapuram
Choosing Shriram Finance for a personal loan in Thiruvananthapuram provides numerous benefits:
Flexible Repayment Options
Collateral-free Loans
Competitive Interest Rates
Quick Approval
Seamless Experience
Regular Reminders
Personal Loan Interest Rates and Charges in Thiruvananthapuram
Acquiring knowledge about personal loan costs in Thiruvananthapuram is vital for sound financial planning. At Shriram Finance, we provide competitive interest rates designed to be both reasonable and clear.
- Our rates commence at 11%* p.a.⯠but may vary based on factors such as credit score, income level and repayment capacity. It also essential to consider additional charges like processing fees and penalties for early repayment during this process; we ensure transparency throughout so that you're fully aware of what lies ahead.
- By understanding these costs better, you can enhance your financial planning efforts when selecting a suitable personal loan in Thiruvananthapuram with Shriram Finance's assistance guiding you confidently towards achieving all set objectives.
| Type of Fees | Applicable Charges |
|---|---|
| Interest Rate | Customised interest rates starting from 11%* p.a.⯠|
| Processing Fees | Up to 5%* |
| Prepayment Charges | Up to 5%* |
| Late Payment Fees | 36%* p.a. |
The rates are established to provide financial ease while maintaining clarity about the terms.
How to Use the Personal Loan EMI Calculator?
To effectively manage finances requires access resources specifically tailored towards this needone being Shriram Finance's very own personal loan EMI calculator. This particular utility serves its purpose well by helping users grasp their obligations more thoroughly than before. The usage remains uncomplicated: simply input desired amounts alongside relevant interest rates/loan tenures before receiving estimates regarding monthly repaymentsallowing users ample opportunity budget accordingly. Having clarity surrounding EMIs empowers individuals make informed choices regarding available borrowing optionsutilising this resource represents significant progress toward fulfilling those aspirations.
STEP 01
Required loan amount
STEP 02
Interest rate
Min 11%
Max 42%
STEP 03
Min 12 months
Max 60 months
Personal Loan Calculator Summary
Loan
Loan Amount
âı 50,000
Interest Payable
âı 3,029
Monthly EMI
âı 4,419
Eligibility and Documentation Criteria for Personal Loan in Thiruvananthapuram
To qualify for a personal loan in Thiruvananthapuram from Shriram Finance, applicants should meet these eligibility criteria:
Eligibility criteria:- Income: Minimum monthly income requirement varies based on the loan amount.
- Age: Applicants should be between 21* to 60* years old (on loan closure).
- Credit score: A minimum score of 700 is preferred.
- Employment status: Salaried individuals employed with reputable organisations or self-employed professionals.
- Nationality: Must be an Indian resident.
- Required documents:
- Identity proof:
- PAN card
- Voter ID
- Driving license
- Passport
- Address proof:
- Passport
- Driving license
- Gas bill with gas book
- Other documents:
- Recent passport-size color photographs
- One cancelled cheque and ACH form for the electronic clearing mandate (eNACH)
- Income proof documents of the last 3 months
- Bank statement for the last six months
Step-by-Step Application Process for Personal Loan in Thiruvananthapuram
Applying for a personal loan in Thiruvananthapuram with Shriram Finance is designed to be seamless and straightforward:
Step 1
Visit the official website or the nearest branch.Step 2
Fill out the online application form with the necessary details.Step 3
Submit the required documents for verification.Step 4
Wait for approval, which typically takes less than 24 houStep 5
Upon approval, funds will be disbursed directly to your bank account.
Our Personal Loan Branches in Thiruvananthapuram
Shriram Finance has established numerous branches across Thiruvananthapuram aimed at simplifying application processes related managing one own loans. Accessibility remains paramount; thus locations are strategically chosen within prominent areas throughout town. Whether needing guidance completing applications or clarifying eligibility criteria/repayment planswere here every step along way. Visiting us directly ensures personalised support guarantees smooth experiences throughout entire journey. Should physical visits prove challenging our online locator allows quick identification nearest branch location via website. Our commitment focuses delivering seamless experiences combining convenience alongside exceptional customer service standardsmaking borrowing straightforward/translucent everyone residing within Thiruvananthapuram. Come visit one today let us assist achieving those all-important fiscal goals. Key locations include:
Locate Us
Personal Loan Customer Care in Thiruvananthapuram
For any questions or assistance related to a personal loan in Thiruvananthapuram, Shriram Finance offers dedicated customer service. You can connect with them via phone or visit any local branch for personalised assistance.
Personal Loan Status in Thiruvananthapuram
To check the status of your personal loan application with Shriram Finance, we offer quick methods that keep you updated efficiently. Here how you can track it:
- Check Our Website: Go to the official Shriram Finance website and navigate to the loan status section; enter your application reference number for real-time updates on its progress. This ensures you're kept informed easily about its status.
- Contact Customer Care: If you prefer direct communication, our dedicated customer care team is available. They will provide accurate information regarding the status of your application and answer any questions.
At Shriram Finance, we aim to ensure a seamless borrowing experience. By choosing us, you benefit from competitive interest rates along with flexible repayment options and outstanding customer support. Track your application today.
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FAQs
What are the eligibility criteria for a personal loan in Thiruvananthapuram?
To qualify for a personal loan in Thiruvananthapuram from Shriram Finance, you must be an Indian resident aged between 21* to 60* years at the time of loan closure. Additionally, you will need to provide valid identity and address proof, income documentation for the last three months and bank statements for the previous six months.
What is the interest rate on a personal loan in Thiruvananthapuram?
The interest rates for a personal loan in Thiruvananthapuram from Shriram Finance start at 11%* p.a.⯠which can vary based on factors such as your credit score, income level and repayment ability.
Is a personal loan in Thiruvananthapuram unsecured?
Yes, a personal loan in Thiruvananthapuram offered by Shriram Finance is unsecured, meaning it does not require any collateral. However, having a strong credit score is crucial for approval.
Can I prepay or foreclose my personal loan in Thiruvananthapuram?
Yes, you can prepay or foreclose your personal loan in Thiruvananthapuram with Shriram Finance. However, prepayment charges may be applicable according to the terms specified in your loan agreement.
Can I apply for a personal loan online in Thiruvananthapuram?
Yes, you can conveniently apply for a personal loan online through the Shriram Finance website. The process is designed for ease of use, allowing you to complete your application from home.
How can I check the status of my personal loan application in Thiruvananthapuram?
You can check the status of your personal loan application by visiting the Shriram Finance website and entering your application reference number. Alternatively, you can reach out to customer care for updates.
What is the minimum income required for a personal loan in Thiruvananthapuram?
The minimum income requirement varies based on the loan amount and individual eligibility criteria. Generally, applicants should demonstrate adequate income to meet their repayment obligations.
Are there any hidden charges for a personal loan in Thiruvananthapuram?
Shriram Finance is committed to transparency; therefore, there are no hidden charges associated with the personal loan. All applicable fees and charges will be clearly outlined during the application process.
Disclaimer
The information provided in this guide is for educational purposes only and should not be considered financial advice. Always consult with a financial advisor before making investment decisions related to fixed deposits or any other financial products.