{"id":22002,"date":"2021-09-24T07:34:44","date_gmt":"2021-09-24T07:34:44","guid":{"rendered":"https:\/\/tata-blog.osian.dev\/blog\/?p=22002"},"modified":"2023-06-27T06:12:06","modified_gmt":"2023-06-27T06:12:06","slug":"how-to-get-a-personal-loan-in-kerala","status":"publish","type":"post","link":"https:\/\/tata-blog.osian.dev\/blog\/personal-use-loan\/how-to-get-a-personal-loan-in-kerala\/","title":{"rendered":"How to Get a Personal Loan in Kerala?"},"content":{"rendered":"\n<p><\/p>\n\n\n\n<p>Famous for its mesmerising backwaters, beaches, and rock-solid literacy rate, Kerala makes for an excellent state to live in. However, the pristine lifestyle in God\u2019s Own Country is not easy on the pockets, especially if you plan to pursue higher education, travel to exotic places, or make big-ticket purchases.<\/p>\n\n\n\n<p>But worry not, as with a personal loan, you can easily realise your financial goals. Here\u2019s how you can get a <a href=\"https:\/\/tata-blog.osian.dev\/personal-loan\/personal-loan-in-kerala.html\">personal loan in Kerala<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Fulfil loan eligibility<\/strong><\/h2>\n\n\n\n<p>Typically, lenders\u2019 loan eligibility criterion depends on your age, income, nature of employment, work experience, and credit or CIBIL score. Moreover, a <a href=\"https:\/\/tata-blog.osian.dev\/personal-loan.html\">personal loan<\/a> for self-employed<strong> <\/strong>individuals can carry different requirements than for a salaried applicant.<\/p>\n\n\n\n<p>For instance, with Tata Capital, you can avail of personal finance in Kerala by fulfilling the following conditions:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Your age must be between 22 and 58 years<\/li><li>Your monthly income should be Rs. 15,000 or higher<\/li><li>You need at least a year of work experience<\/li><\/ul>\n\n\n\n<p>Besides this, a CIBIL score of over 750 is considered excellent by the lenders. With an excellent credit rating, you can negotiate competitive loan terms with your preferred lending institution.<\/p>\n\n\n\n<p style=\"color:#FF0000\"><strong>Additional Read: <\/strong><a href=\"https:\/\/tata-blog.osian.dev\/blog\/personal-loan\/how-to-apply-for-a-personal-loan-in-5-simple-steps\/\">How to Apply for a Personal Loan in 5 Simple Steps?<\/a><strong><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Keep your documents handy<\/strong><\/h2>\n\n\n\n<p>Once you\u2019ve checked the lender\u2019s personal loan eligibility, you must furnish the <a href=\"https:\/\/tata-blog.osian.dev\/personal-loan\/documents-required.html\">required documents<\/a> to apply. Here\u2019s the paperwork lenders typically request.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>ID proof &#8211; PAN card\/voter ID\/Aadhaar card\/passport\/driver\u2019s license<\/li><li>Salary slips &#8211; previous three months\u2019 salary slips if you\u2019re a self-employed individual<\/li><li>Income statement via bank account &#8211; previous six months\u2019 bank account statements if you\u2019re a salaried individual<\/li><li>An employment certification mentioning a year of uninterrupted employment<\/li><li>Address proof &#8211; electricity bill\/ration card\/passport\/utility bill\/voter\u2019s ID card<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Choose your lender wisely<\/strong><\/h2>\n\n\n\n<p>Lastly, a crucial step when applying for a loan is selecting a suitable lender. Hence, you must scout the market and compare what loan terms lenders offer, including interest rates, loan charges, eligibility criteria, the application process, tenures, etc.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Plan your repayment<\/strong><\/h2>\n\n\n\n<p>Before approaching a lender, it is prudent to use a <a href=\"https:\/\/tata-blog.osian.dev\/personal-loan\/emi-calculator.html\">personal loan EMI calculator<\/a> to get a complete breakdown of the potential monthly instalments. By entering your loan amount, tenure, and interest rate, you can determine the amount you need to shell out monthly to timely repay the loan.<\/p>\n\n\n\n<p>Besides, by figuring out your future EMIs, you can manage your budget around instalments payable and spend accordingly. This way, you can choose a loan tenure you are comfortable with.<\/p>\n\n\n\n<p style=\"color:#FF0000\"><strong>Additional Read: <\/strong><a href=\"https:\/\/tata-blog.osian.dev\/blog\/personal-loan\/factors-affecting-personal-loan-interest-rates\/\">Factors affecting personal loan interest rates<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>To sum it up<\/strong><\/h3>\n\n\n\n<p>As you can see, getting personal finance in Kerala is simple. Now, it\u2019s time to choose a lender. If you\u2019re looking for extended loan tenures, attractive <a href=\"https:\/\/tata-blog.osian.dev\/personal-loan\/rates-and-charges.html\">personal loan interest rates<\/a>, and flexible repayment plans, turn to Tata Capital. <\/p>\n\n\n\n<p>Be it a medical emergency, big-ticket purchase, travel requirement, wedding, or any other reason, get collateral-free funding of up to Rs. 25 lakhs with us. Plus, our easy-to-fulfil eligibility terms and customisable EMI options ensure hassle-free borrowing and repayment experiences.<\/p>\n\n\n\n<div class=\"wp-block-group alignwide\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link\" href=\"https:\/\/tata-blog.osian.dev\/online\/loans\/personal-loans\/apply-now-personal-loan#!\">Apply Now<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><\/div>\n<\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Famous for its mesmerising backwaters, beaches, and rock-solid literacy rate, Kerala makes for an excellent state to live in. <\/p>\n<p><a href=\"https:\/\/tata-blog.osian.dev\/blog\/personal-loan\/how-to-get-a-personal-loan-in-kerala\/\">Read More<\/a><\/p>\n","protected":false},"author":1,"featured_media":22003,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[24],"tags":[],"class_list":["post-22002","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-use-loan"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.13 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Get a Personal Loan in Kerala - Tata Capital Blog<\/title>\n<meta name=\"description\" content=\"Kerala is an excellent state to live in with its mesmerizing backwaters, beaches, and rock-solid literacy rate. Here\u2019s how you can get a personal loan in Kerala.\" \/>\n<meta name=\"robots\" content=\"noindex, nofollow\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Get a Personal Loan in Kerala - Tata Capital Blog\" \/>\n<meta property=\"og:description\" content=\"Kerala is an excellent state to live in with its mesmerizing backwaters, beaches, and rock-solid literacy rate. Here\u2019s how you can get a personal loan in Kerala.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.tatacapital.com\/blog\/personal-use-loan\/how-to-get-a-personal-loan-in-kerala\/\" \/>\n<meta property=\"og:site_name\" content=\"TATA Capital Blog\" \/>\n<meta property=\"article:published_time\" content=\"2021-09-24T07:34:44+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-06-27T06:12:06+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.tatacapital.com\/blog\/wp-content\/uploads\/2021\/09\/04-personal-loan-in-kerala.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"770\" \/>\n\t<meta property=\"og:image:height\" content=\"400\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Tata Capital\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tata Capital\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.tatacapital.com\/blog\/personal-use-loan\/how-to-get-a-personal-loan-in-kerala\/\",\"url\":\"https:\/\/www.tatacapital.com\/blog\/personal-use-loan\/how-to-get-a-personal-loan-in-kerala\/\",\"name\":\"How to Get a Personal Loan in Kerala - Tata Capital Blog\",\"isPartOf\":{\"@id\":\"https:\/\/www.tatacapital.com\/blog\/#website\"},\"datePublished\":\"2021-09-24T07:34:44+00:00\",\"dateModified\":\"2023-06-27T06:12:06+00:00\",\"author\":{\"@id\":\"https:\/\/www.tatacapital.com\/blog\/#\/schema\/person\/5ccf99347b9365e2fa68bd32006d0b4a\"},\"description\":\"Kerala is an excellent state to live in with its mesmerizing backwaters, beaches, and rock-solid literacy rate. Here\u2019s how you can get a personal loan in Kerala.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.tatacapital.com\/blog\/personal-use-loan\/how-to-get-a-personal-loan-in-kerala\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.tatacapital.com\/blog\/personal-use-loan\/how-to-get-a-personal-loan-in-kerala\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.tatacapital.com\/blog\/personal-use-loan\/how-to-get-a-personal-loan-in-kerala\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.tatacapital.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"How to Get a Personal Loan in Kerala?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.tatacapital.com\/blog\/#website\",\"url\":\"https:\/\/www.tatacapital.com\/blog\/\",\"name\":\"TATA Capital Blog\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.tatacapital.com\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.tatacapital.com\/blog\/#\/schema\/person\/5ccf99347b9365e2fa68bd32006d0b4a\",\"name\":\"Tata Capital\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.tatacapital.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/a6a38ea7397ec3ff4a8dc9b854558dbfc2d1c417498effd79c6186d3edf6ae28?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/a6a38ea7397ec3ff4a8dc9b854558dbfc2d1c417498effd79c6186d3edf6ae28?s=96&d=mm&r=g\",\"caption\":\"Tata Capital\"},\"sameAs\":[\"https:\/\/tata-blog.osian.dev\/blog\"],\"url\":\"https:\/\/tata-blog.osian.dev\/blog\/author\/admin\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"How to Get a Personal Loan in Kerala - Tata Capital Blog","description":"Kerala is an excellent state to live in with its mesmerizing backwaters, beaches, and rock-solid literacy rate. Here\u2019s how you can get a personal loan in Kerala.","robots":{"index":"noindex","follow":"nofollow"},"og_locale":"en_US","og_type":"article","og_title":"How to Get a Personal Loan in Kerala - Tata Capital Blog","og_description":"Kerala is an excellent state to live in with its mesmerizing backwaters, beaches, and rock-solid literacy rate. Here\u2019s how you can get a personal loan in Kerala.","og_url":"https:\/\/www.tatacapital.com\/blog\/personal-use-loan\/how-to-get-a-personal-loan-in-kerala\/","og_site_name":"TATA Capital Blog","article_published_time":"2021-09-24T07:34:44+00:00","article_modified_time":"2023-06-27T06:12:06+00:00","og_image":[{"width":770,"height":400,"url":"https:\/\/www.tatacapital.com\/blog\/wp-content\/uploads\/2021\/09\/04-personal-loan-in-kerala.jpg","type":"image\/jpeg"}],"author":"Tata Capital","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Tata Capital","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.tatacapital.com\/blog\/personal-use-loan\/how-to-get-a-personal-loan-in-kerala\/","url":"https:\/\/www.tatacapital.com\/blog\/personal-use-loan\/how-to-get-a-personal-loan-in-kerala\/","name":"How to Get a Personal Loan in Kerala - Tata Capital Blog","isPartOf":{"@id":"https:\/\/www.tatacapital.com\/blog\/#website"},"datePublished":"2021-09-24T07:34:44+00:00","dateModified":"2023-06-27T06:12:06+00:00","author":{"@id":"https:\/\/www.tatacapital.com\/blog\/#\/schema\/person\/5ccf99347b9365e2fa68bd32006d0b4a"},"description":"Kerala is an excellent state to live in with its mesmerizing backwaters, beaches, and rock-solid literacy rate. Here\u2019s how you can get a personal loan in Kerala.","breadcrumb":{"@id":"https:\/\/www.tatacapital.com\/blog\/personal-use-loan\/how-to-get-a-personal-loan-in-kerala\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.tatacapital.com\/blog\/personal-use-loan\/how-to-get-a-personal-loan-in-kerala\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.tatacapital.com\/blog\/personal-use-loan\/how-to-get-a-personal-loan-in-kerala\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.tatacapital.com\/blog\/"},{"@type":"ListItem","position":2,"name":"How to Get a Personal Loan in Kerala?"}]},{"@type":"WebSite","@id":"https:\/\/www.tatacapital.com\/blog\/#website","url":"https:\/\/www.tatacapital.com\/blog\/","name":"TATA Capital Blog","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.tatacapital.com\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.tatacapital.com\/blog\/#\/schema\/person\/5ccf99347b9365e2fa68bd32006d0b4a","name":"Tata Capital","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.tatacapital.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/a6a38ea7397ec3ff4a8dc9b854558dbfc2d1c417498effd79c6186d3edf6ae28?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/a6a38ea7397ec3ff4a8dc9b854558dbfc2d1c417498effd79c6186d3edf6ae28?s=96&d=mm&r=g","caption":"Tata Capital"},"sameAs":["https:\/\/tata-blog.osian.dev\/blog"],"url":"https:\/\/tata-blog.osian.dev\/blog\/author\/admin\/"}]}},"featured_image_url":"https:\/\/tata-blog.osian.dev\/blog\/wp-content\/uploads\/2021\/09\/04-personal-loan-in-kerala.jpg","_links":{"self":[{"href":"https:\/\/tata-blog.osian.dev\/blog\/wp-json\/wp\/v2\/posts\/22002","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tata-blog.osian.dev\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tata-blog.osian.dev\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tata-blog.osian.dev\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/tata-blog.osian.dev\/blog\/wp-json\/wp\/v2\/comments?post=22002"}],"version-history":[{"count":5,"href":"https:\/\/tata-blog.osian.dev\/blog\/wp-json\/wp\/v2\/posts\/22002\/revisions"}],"predecessor-version":[{"id":34132,"href":"https:\/\/tata-blog.osian.dev\/blog\/wp-json\/wp\/v2\/posts\/22002\/revisions\/34132"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tata-blog.osian.dev\/blog\/wp-json\/wp\/v2\/media\/22003"}],"wp:attachment":[{"href":"https:\/\/tata-blog.osian.dev\/blog\/wp-json\/wp\/v2\/media?parent=22002"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tata-blog.osian.dev\/blog\/wp-json\/wp\/v2\/categories?post=22002"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tata-blog.osian.dev\/blog\/wp-json\/wp\/v2\/tags?post=22002"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}