Get Instant Personal Loans in Kerala with Navi
Personal Loan in Kerala
Kerala, also popularly known as God’s own country, has a long history of a rich cultural heritage and natural delights. Whether it is the lush green mountains of Munnar or the pristine backwaters of Alleppey, Kerala has something to offer for everyone. So, if you’re visiting the state to experience its natural flora and fauna and in need of cash, don’t hesitate to get a personal loan with Navi.
Navi offers instant personal loans up to ₹20 lakh in Kerala at attractive interest rates and flexible repayment options. All you need to do is download the Navi app and apply. The entire loan journey is app-based and 100% paperless.
Features and Benefits of Personal Loan in Kerala
Features and Benefits of Personal Loan in Kerala
How to Apply for a Personal Loan in Kerala?
How to Apply for a Personal Loan in Kerala?
Eligibility Criteria and Documents Required
Indian Resident 18-65 years of age
PAN Card Holder
Salaried or Self-Employed
Aadhaar Card Holder
Interest Rates for Personal Loan in Kerala
| Interest Rate | 9.90% p.a. onwards |
| Processing Fee | Up to ₹7,500 |
| Loan Amount | Up to ₹20 lakh |
| Loan Prepayment Fee | Nil |
| Loan Tenure | From 3 to 72 months |
How to Calculate EMI on Personal Loan?
Calculate your loan EMI beforehand to better plan your loan and manage your finances. You can either calculate your loan EMI manually or take the help of our personal loan EMI calculator. Here’s the formula for EMI calculation:
EMI = P × r × (1 + r)n/((1 + r)n – 1) where P= Loan amount, r= interest rate, n=tenure in number of months.
However, manual calculations can be tasking. A better alternative would be using Navi Personal Loan EMI Calculator. All you have to do is select the loan amount, interest rate and loan repayment tenure. The calculator will show you the EMI in a matter of seconds.
Personal Loan Calculator
Loan Amount
Rate of Interest (P.a)
%
Loan Tenure (Months)
months
Monthly EMI
0
Total Interest
Total Amount
Why Choose Navi Personal Loan in Kerala?
Instant disbursal
If you need instant cash to cross any financial hurdle, choose Navi. It hardly takes a few minutes to apply and get the loan disbursed to your account if you are eligible.
No paperwork
100% app-based paperless process. You can apply for a loan from anywhere, anytime.
Competitive rates and charges
We are here to make personal finance accessible to all. So, keeping the affordability factor in mind, we offer you one of the lowest interest rates in the market today.
Various Use Cases of Personal Loan
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Frequently asked questions
You can use your online personal loan for various purposes – from funding your travel expenses to paying off your credit card bills. Personal loans don’t have any end-use restrictions.
Before taking a personal loan, here are certain factors you need to consider:
- CIBIL score: Check your credit score. Having a good credit score can help you fetch better deals on your loan..
- Repayment capacity: Ensure that you’re financially stable enough to repay the loan.
- Loan EMI: Calculate your personal loan EMI in advance to plan better.
You can check your eligibility on the Navi app. All you need to do is enter your name, date of birth, PAN, monthly income, and address.