Personal Loan in Kerala

Features and Benefits of Personal Loans in Kerala

Flexible Loan Amount

Money View offers personal loans of up to Rs 5 lakhs. So you can avail any amount that meets your requirements.

Instant Loan Disbursal

Our personal loan is disbursed to your bank account within 24 business hours after the approval.

Collateral Free Loans

You don’t have to arrange for any guarantor or pledge any asset while applying for personal loans from Money View

Affordable Interest Rates

The interest rate for Money View online loans in Kerala starts from 1.33% p.m.

100% Online

You can apply for a personal loan comfortably from home, from your workplace, or while travelling without wasting any time or effort.

Flexible Repayment

Choose repayment term of upto 60 months

Loans on Low Credit Score

Money View provides personal loans to anyone with a CIBIL score of 600 or Experian score of 650 and above.

Quick Eligibility Check

You will be surprised to learn that our eligibility check takes only 2 minutes

Personal Loan in Kerala

Lush greenery, stunning beaches, and serene backwaters makes Kerala one of the most beautiful states in the country. On the holiday list for most Indians, Kerala offers diverse landscapes and vibrant cultural heritage.

If you are in Kerala and are looking for a personal loan, how about one from moneyview?

These loans are not just easy to get, they are also disbursed within 24 hours and require minimal documentation.

Eligibility Criteria for a Personal Loan in Kerala

For Salaried Individuals

Applicants must be between 21 years and 57 years

Income must be credited directly to the applicants’ bank account

Minimum in-hand Income and Credit Score requirement is as follows-

Income and Credit Score Eligibility Criteria^*
Salaried Individuals	Minimum In-Hand Income	Area of Residence	CIBIL Credit Score Requirement
	Rs 13,500	Any	CIBIL Score of 600 /Experian Score of 650 and above
	Rs 20,000	Mumbai/Thane or the NCR region (Delhi, Noida, Gurgaon, Ghaziabad, Faridabad, etc.)	New to Credit or CIBIL Score of 600 /Experian Score of 650 and above
	Rs 15,000	Metro City other than Mumbai and NCR	CIBIL Score of 600 /Experian Score of 650 and above
Self-Employed Individuals	Rs 15,000	Any	CIBIL Score of 600 /Experian Score of 650 and above

For Self-Employed Individuals

Applicants must have a minimum In-hand income of Rs. 15,000 per month

Income must be directly credited to the applicants’ bank account

A minimum CIBIL score of 600 or more or Experian score 650 or more

Applicants must be between the ages of 21 years and 57 years

Identity Proof	Address Proof	Income Proof
PAN Card - This is the primary ID proof required. However, if it is rejected due to image quality issues or other reasons, any 1 of the officially valid documents given below will suffice) Aadhaar Card Valid Indian Passport Valid Voter ID Valid Driver’s License	Any 1 of the following - Aadhaar Card Valid Indian Passport Valid Voter ID Valid Driver’s License Utility Bills (Electricity, Water, Gas) dated within the last 60 days	Salaried Applicants - Last 3 months’ bank statements of your salary account in PDF format showing salary credits OR Self-Employed Applicants - Last 3 months’ bank statements in PDF format if you are self-employed

Identity Proof

Address Proof

Income Proof

PAN Card - This is the primary ID proof required. However, if it is rejected due to image quality issues or other reasons, any 1 of the officially valid documents given below will suffice)

Aadhaar Card
Valid Indian Passport
Valid Voter ID
Valid Driver’s License

Any 1 of the following -

Aadhaar Card
Valid Indian Passport
Valid Voter ID
Valid Driver’s License
Utility Bills (Electricity, Water, Gas) dated within the last 60 days

Salaried Applicants - Last 3 months’ bank statements of your salary account in PDF format showing salary credits
OR
Self-Employed Applicants - Last 3 months’ bank statements in PDF format if you are self-employed

Fees & Charges	Amount Chargeable
Interest Rate	Starting from 1.33% per month
Loan Processing Charges	Between 2% to 8% of the approved loan amount
Interest on Overdue EMIs	2% per month on the overdue EMI/Principal loan amount
Cheque Bounce	Rs.500/- each time
Loan Cancellation	No additional charges levied Processing fees will also be retained

Fees & Charges

Amount Chargeable

Interest Rate

Starting from 1.33% per month

Loan Processing Charges

Between 2% to 8% of the approved loan amount

Interest on Overdue EMIs

2% per month on the overdue EMI/Principal loan amount

Cheque Bounce

Rs.500/- each time

Loan Cancellation

No additional charges levied
Processing fees will also be retained

How to Apply for a Personal Loan in Kerala

Check Eligibility

Visit the Money View website or download the app, provide all the necessary details, and we will let you know your eligibility in just 2 minutes

Select Loan Tenure

Based on the options given, you will have to select the loan amount and repayment term of your choice

Upload Documents

Easily upload all of the necessary documents online for verification

Amount Disbursed

After your documents are verified and loan agreement is submitted, the loan amount will be credited to your bank account within 24 hours

Personal Loan in Kerala - Related FAQs

1. Does Money View provide personal loans for CIBIL defaulters in Kerala?

A credit score is an important indicator of your creditworthiness. Banks and other financial institutions prefer a credit score of 750 or more to be eligible for loan approval.

However, Money View has a unique, in-house credit assessment model which uses many other data points than the ones used by the credit bureaus. This helps us in making better credit decisions and lend to more individuals. So, even those individuals with low CIBIL scores can also avail loans from Money View.

The minimum credit score requirement to get Money View loans is a CIBIL score of 600 or above or an Experian score of 650 or above. So Money View loans can be availed by CIBIL defaulters too if you meet our eligibility criteria.

2. Can self-employed applicants avail a personal loan in Kerala from Money View?

Yes, as long as self-applicants have a monthly income of Rs.15,000 or more that is directly credited to their bank account and fulfill our eligibility criteria, they can avail a personal loan in Kerala from Moneyview.

How to Avail a Personal Loan in Kerala

Avail Personal Loans of upto Rs. 5 lakhs at affordable rates

Features and Benefits of Personal Loans in Kerala

Eligibility Criteria for a Personal Loan in Kerala

For Self-Employed Individuals

Documents Required for a Personal Loan in Kerala

Fees and Charges for a Personal Loan in Kerala

How to Apply for a Personal Loan in Kerala

Loan EMI Calculators

Calculate Your EMI

Conclusion

Personal Loan in Kerala - Related FAQs

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