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Personal Loan
in Kochi

  • Loan up to ₹5 Lakhs
  • Minimum Salary Required ₹15K
  • Instant Approval
Apply Now

Apply for personal loan in kochi

Get Personal Loan in Kochi With Quick Disbursal

Widely known as the “Queen of the Arabian Sea”, Kochi is a major port city in Kerala that was once frequented by Chinese, European and Arab merchants. Its rich past still lives and breathes in the colonial architecture and Chinese fishing nets you will find here. Once famed for spice trading primarily, Kochi boasts several bustling business sectors today, including shipbuilding, transportation, and construction. A perfect concoction of old-world beauty and modernization, Kochi is home to people who are constantly looking for better work opportunities or running their own businesses to accomplish different goals and dreams. However, since financial emergencies tend to crop up without warning, residents of Kochi resort to personal loans that are quickly processed and approved. And it is Hero FinCorp, a leading personal loan finance company in Kochi, which makes it possible.

We Offer a Wide Range of Personal Loans!

Personal Loan EMI Calculator

A Personal Loan EMI calculator is an excellent online tool for calculating EMIs for various loan amounts and repayment terms. Just enter your loan amount, interest rate, and repayment term and get instant results on your screen. You can adjust the variables to get a loan tenure that best suits your repayment capacity. Are you looking for an urgent cash loan in Kochi? Get one at Hero FinCorp and repay it conveniently by selecting the most suitable repayment term.


Loan Detail

Select Loan Amount

Min ₹ 50,000

Max ₹ 5,00,000

Interest Rate

15 %

Min 15%

Max 35%

Select Loan Repay Duration

12 Months

Min 12 Months

60 Months

Your Estimated EMI

₹ 4477

Features And Benefits of Hero FinCorp Personal Loan Kochi

Hero FinCorp, a well-known personal loan finance company in Kochi, brings you the best possible features and perks, such as:

High Loan Amount:

Hero FinCorp, a personal loan provider in Kochi, offers personal loans in the range of Rs 50,000 to Rs 5,00,000, whether you are a salaried or self-employed individual.

Attractive Interest Rates:

Hero FinCorp makes sure that personal loans in Kochi are offered at affordable interest rates, which can be easily handled by salaried as well as self-employed individuals.

Collateral-Free:

Availing a personal loan Kochi via Hero FinCorp comes with no strings attached as it requires no collateral as security, thereby increasing the chances of faster approval.

Flexible Repayment Tenure:

Since the repayment period can range from 12 months to 60 months at Hero FinCorp, a personal loan provider in Kochi, borrowers get to enjoy great flexibility and can plan their EMIs based on their current living expenses.

Instant Approval:

Personal loans in Kochi are collateral-free, and hence, require very few documents. Hero FinCorp, a personal loan finance company in Kochi, offers instant loan approval on personal loans if an applicant meets the eligibility criteria and submits valid documents.

Eligibility Criteria for Instant Personal Loan in Kochi

To apply for a personal loan in Kochi through Hero FinCorp, the following eligibility criteria must be fulfilled.

Documents Required to Apply for a Personal Loan in Kochi

While looking for an urgent cash loan in Kochi, your occupation largely determines the documents you must provide with your loan application. At Hero FinCorp, the documentation requirements vary for salaried and self-employed individuals. The following section will give information about the documents required from both types of borrowers. You can plan your application adequately and arrange the necessary documents.

At Hero FinCorp, we do not call you to our office to submit the documents in paper form. You can upload scanned copies of documents through our website or loan app and begin the verification process necessary for approval. These are the documentation requirements you must be aware of.

Documents Required

For Salaried Employee
Proof Of Photo Identity

Driver’s Licence, Passport, PAN Card, Aadhaar card

Mandatory Documents

Filled Loan Application Form, Passport Size Coloured Photograph

Proof of Income

Six Month Salary Slip & Bank Account Statement, Form 16

Job Continuity Proof

Appointment Letter From the Current Employer

Proof of Residence

Driver Licence, Passport, Aadhaar Card, Utility Bill

 

Documents Required

For Self Employed
Proof Of Photo Identity

Driver’s Licence, Passport, PAN Card, Aadhaar card

Mandatory Documents

Filled Loan Application Form, Passport Size Coloured Photograph

Proof of Income

Last Six Months Bank Statement, ITR for the Last Two Consecutive Years

Proof of Residence

Maintenance Bill, Utility Bill, Property Documents, Rent Agreement

Proof of Business Existence

Copy of Tax Registration, Shop Establishment Proof, Company’s Registration Certificate

Interest Rates on Personal Loans in Kochi

Apart from the Personal Loan interest rate in Kochi, you must also know the additional charges that add to your loan cost. Hero FinCorp's charges are 100% transparent, so we won't surprise you with any hidden costs during the loan term. These are the applicable charges:

Fees & Charges Chargeable Amount
Interest Rate Minimum 15%
Processing Fee 2.5% to 3.5%
Part-payment charges NA
Foreclosure Charges 5% + GST
EMI Bounce Charges Rs 350/-

How To Apply For a Personal Loan in Kochi?

To apply for a Personal Loan in Kochi from Hero FinCorp, follow these steps:

  1. Hero FinCorp provides a couple of options to apply for a personal loan in Kochi. In the first method, an online application can be filled on Hero FinCorp’s official website, and this facility is available 24 x7. The second method to apply for a personal loan in Kochi is by visiting the nearest branch and consulting an official for guidance.
  2. Fill up a simple personal loan application form by entering some specific personal details and stating the purpose of the loan.
  3. Tag the copies of relevant KYC documents such as residential proof, identity proof, PAN card, and income proof along with a passport-size photograph. This can be done either online or offline at the nearest Hero FinCorp branch.
  4. Upon successful personal loan application processing, Hero FinCorp will authenticate the loan approval and the applicant will need to sign a loan agreement after accepting the terms and conditions.
  5. After all the formalities are completed, within minutes, the personal loan amount will be disbursed to the applicant’s bank account.

Frequently Asked Questions

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