Get Instant Personal Loans in Kerala with Navi

Enjoy attractive interest rates starting at 9.9% p.a. with flexible EMI options

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

Apply through the Navi app and get your loan approved and transferred to your account in a few minutes
Get personal loans up to ₹20 lakh without pledging any collateral or a guarantor
Enjoy competitive interest rates starting from 9.9% p.a.
No paperwork required. Just download the Navi app and apply
Enjoy flexible repayment options for up to 72 months. Repay at your convenience
No lengthy documentation process. Just apply with your PAN details

How to Apply for a Personal Loan in Kerala?

If you want to apply for a personal loan in Kerala from Navi, then follow the steps below:
Download the Navi App from Play Store or App Store
Enter a few basic details like name, address, PAN, etc., to check your eligibility
Enter the loan amount and tenure
Our representative will call you. Complete your V-KYC with PAN
Enter bank details and set-up auto pay. Get instant money in your bank account

How to Apply for a Personal Loan in Kerala?

How To Apply

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

Navi offers personal loans at competitive interest rates. However, the final rate offered is based on various parameters and at the sole discretion of Navi.
Interest Rate9.90% p.a. onwards
Processing FeeUp to ₹7,500
Loan AmountUp to ₹20 lakh
Loan Prepayment FeeNil
Loan TenureFrom 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)


Monthly EMI


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.

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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.
If you have an excellent credit score along with a strong repayment or credit history, you may get a personal loan at a lower rate.
Navi offers personal loans to both salaried and self-employed individuals. You can get a loan with a low monthly salary. However, getting a loan without a minimum income could be difficult.
You can repay your loan in EMIs. Just link your bank account to the Navi app. Your EMI would get automatically deducted on the due date.
Missed EMIs could call for penalty charges. Other than that, it could severely affect your creditworthiness.

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.

Navi offers instant cash loans in 1 hour with minimal documents. Just download the Navi app and apply in a 100% paperless manner.

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