Personal Loan Kochi | Interest Rates 2019 | EMI | Documents | Apply

Apply Personal Loan in Kochi – Instant E-approval, Special Offers, Best Personal loan interest rates and lowest EMI from all major banks in Kochi such as SBI, HDFC Bank, Citibank, Axis bank, Fullerton India, Bajaj Finance Standard Chartered.

Personal Loan Kochi details:

Interest Rates 11.49% – 26.00%
Processing Fees 0.99% – 3.00%
Pre payment Charges Nil – 5.00%
Repayment Period Upto 7 years
Cibil Score Min. 750
Lowest EMI Rs. 2199.26 per lac
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Personal Loan Interest Rates in Kochi 2019

Banks Interest Rates
HDFC Bank 10.99 – 20.75%
ICICI Bank 10.99 – 16.50%
Bajaj Finserv 11.99 – 16.00%
Fullerton India 14.00 – 33.00%
Kotak Mahindra 10.99 – 17.25%
IndusInd Bank 12.99 – 20.00%
Standard Chartered 12.00 – 17.00%

Processing Fees / Prepayment Charges

Banks Processing Fee Pre Payment Charges
Bajaj Finserv Upto 2.00% Upto 4% post 1st EMI clearance
ICICI Bank 1999 to 2.50% Zero or 5.00%
Axis Bank 2.00% Nil
Kotak 1.5 – 2.00% 5.00%
HDFC Bank 0.8% – 2.00% 4.00%
Fullerton India 2.00% Upto 7.00%, 0% after 3 year
Standard Chartered
Up to 1% Upto 5.00% of loan amount

Documents required for Personal Loan in Kochi:

Following documents are required by financial institutions to process the loan application :

in case of Salaried

  • Identity proof
  • 3 to 6 months Bank statements
  • Residence proof
  • Salary slip
  • Guarantors & their same set of documents

In case of Self Employed

  • Balance Sheets
  • Profit & Loss Account
  • Partnership Deed & other mandatory documents etc.

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About Kochi:
Kochi is widely referred to as the commercial capital of Kerala. Kochi is home to Cochin Stock Exchange, the only stock exchange in Kerala. Federal Bank, the fourth-largest Private-sector bank in India is located in Aluva which is a suburb of Kochi. Being a major online trading centre in the country, SEBI has opened its local office in Kochi.

Kochi is recognized as one of the seventeen major industrial cities of India by World Bank, Doing Business Group. However, in the 2009 rankings of ease to start and operate a business, among the 17 Indian cities selected, Kochi was rated as the second most difficult city to start business and was ranked 16th, above Kolkata.

The IT and ITES related industries are growing up in Kochi. Availability of cheap bandwidth through undersea cables and lower operational costs compared to other major cities in India, has been to its advantage. Various technology and industrial campuses including the government promoted InfoPark, Cochin Special Economic Zone and KINFRA Export Promotion Industrial Park operate in the outskirts of the city.

Bank Branches in Kochi for Personal Loans

ICICI Bank – Ambal Building, Thoppumpady, First Floor, Near Gammon Bridge, Kochi, Kerala 682006
Union Bank – pambaimoola, Aroor – Thoppumpady Rd, Edakochi, Kochi, Kerala 682010
Axis Bank – Chemmanam Square Door no-xvii-1437, PP Road 683542,, Kochi, Kerala
Vijaya Bank- P. B. No. 335, Chamber of Commerce Building, Kotukulam Road, Indian Chamber Rd, Mattancherry, Kochi, Kerala 682002
Axis Bank -Pukalakkat City Centre & Sivadas Tower, MKK Nair Road, Near Alapatt Regency, Palarivattom, Kochi, Kerala 682025
J&K Bank – M G Road, Opposite Old Jayalakshmi, Near Padma Junction, Ernakulam, Kochi, Kerala 680035
SBI – Willingdon Island, Kochi, Kerala 682003
Bajaj Finserv – Giri Nagar Rd, Giri Nagar Housing Society, Giri Nagar, Kadavanthra, Ernakulam, Kerala 682020