Personal Loan in Kerala – EC Financial Service
Welcome to EC Financial Service, your trusted partner for instant personal loans in Kerala.
We specialize in providing quick, reliable, and affordable financial solutions tailored to your needs. Whether you are looking to manage unexpected expenses, plan a wedding, cover medical bills, or simply find the best personal loan providers in Kerala, EC Financial Service is here to help.
🌍 Areas We Serve in Kerala
We proudly offer personal loan services across major districts, including:
Thiruvananthapuram
Kollam
Pathanamthitta
Kottayam
Alappuzha
Ernakulam
Thrissur
Palakkad
Malappuram
Kozhikode
Kannur
Kasaragod
🤝 Why Choose EC Financial Service?
At EC Financial Service, we know applying for a loan can feel stressful. That’s why we make the process simple, transparent, and hassle-free. Our loan experts guide you at every step, ensuring you get the best plan with minimal documentation and maximum support.
✅ Competitive interest rates
✅ Flexible repayment options
✅ Quick approvals & disbursal
✅ Personalized customer support
📊 Personal Loan EMI Calculator – Kerala
Planning your loan repayments is now easier with our Personal Loan EMI Calculator. Just enter:
Loan Amount
Interest Rate
Loan Tenure
and get instant EMI results to help you budget better. Compare options, plan finances smartly, and choose what fits your goals.
🔑 Features & Benefits of Our Personal Loans
Minimal documentation required
No collateral needed
Fast approval process
Freedom to use funds your way
Flexible repayment tenure
Loan Eligibility – Personal Loan in Kerala
Before applying for a personal loan with EC Financial Service, it’s important to know the key eligibility requirements. These criteria ensure a smooth approval process and help you check whether you qualify.
Main Factors That Determine Eligibility for a Personal Loan
- Profession – Salaried employees working in Government, Private, or MNC companies; Self-employed professionals such as Doctors, CAs, CS, and Architects.
- Eligible Age – 21 years to 60 years.
- Minimum Income – ₹25,000 per month (for salaried individuals) OR ₹5 Lakh gross annual receipts (for professionals).
- Work Experience Required – At least 3 years.
- Experience in Current Company – Between 1 month and 1 year (depending on employer policy).
- Minimum CIBIL Score – 650.
- Maximum EMI as % of Income – Up to 65%.
📊 Loan Eligibility Criteria Table
| Criteria | Requirement |
|---|---|
| Profession | Salaried (Govt, Private, MNC) / Self-employed professionals (Doctor, CA, CS, Architect) |
| Eligible Age | 21 – 60 years |
| Minimum Income | ₹25,000/month (salaried) OR ₹5,00,000 gross annual receipts (professionals) |
| Work Experience | Minimum 3 years |
| Current Company Experience | 1 month – 1 year (varies) |
| Minimum CIBIL Score | 650 |
| Maximum EMI as % of Income | Up to 65% |
Get a Quote
Now apply for a Loan online. All you need to do is provide your details below.