Personal Loan in Trivandrum

Situated on the west coast of India, Trivandrum is the capital of Kerala. Kovalam Beach, Padmanabhaswamy Temple, and Kanakakkunnu Palace are some of the renowned sites to visit in Thiruvananthapuram. Owing to its scenic beauty, Mahatma Gandhi named Trivandrum as the ‘evergreen city of India’.

IT and aerospace engineering are two significant contributors to this city’s unparalleled growth. Along with major I.T. companies, various research sub-divisions of ISRO are present here.

The growing economy of Trivandrum has certainly contributed to the vertical climb of its cost of living, encouraging individuals to look for a personal loan in Trivandrum to meet their additional expenses.

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Features of a Personal Loan in Thiruvananthapuram

Below mentioned are a few common features of a personal loan in Trivandrum, Kerala –

  1. No Usage Constraint: The absence of any restriction on its usage helps borrowers to use an online personal loan for any purpose that they may have.
  2. Repayment Tenure: Typically, an instant personal loan comes with repayment tenure of up to 60 months.
  3. Collateral-Free: In most cases, one does not need to offer any collateral for a personal loan in Trivandrum. Instead, an applicant must comply with every personal loan eligibility requirements that a lender has. Typically, it includes a credit score of 750 and above, and applicants must satisfy the monthly income requirement of the lender.

Moreover, with the rising delinquency rates, financial institutions are putting more emphasis on the fulfilment of personal loan eligibility criteria. Resultantly, individuals who cannot fulfil these requirements struggle to avail personal finance via this option.

In that regard, a gold loan can be a substitute for them. It brings most of the benefits of a personal loan in Trivandrum without such strict eligibility requirements.

A Comparative Analysis of Gold Loans and Personal Loans

Here is a brief comparison between gold loans and personal loans to aid borrowers to make an informed decision –


Gold loans

Personal loans

Loan type



Eligibility requirements



Loan disbursal process

Quick; takes only a few hours

Comparatively slower; takes a couple of days

Perks of a Rupeek Gold Loan

The focus of Rupeek is to offer a better customer experience, and ensure that their needs are met adequately. In this regard, Rupeek has designed its service with various customer-friendly schemes and a host of other features.

Here are some of the notable ones –

  1. Doorstep Service

Rupeek offers industry-first instant online gold loan at the doorstep. Our loan managers will reach an applicant’s address within 30 minutes of application. They will verify the documents and appraise the jewellery. Individuals will receive their funds instantly, and the loan manager will leave with the pledged gold items only after that.

  1. Top-Notch Security

Our loan managers use a GPS enabled bag to carry the gold ornaments, and we use high-security vaults for storing the gold articles. Furthermore, the gold items are insured against theft and damage for the full repayment term.

  1. Repayment Facilities

We offer a flexible repayment schedule to ease the burden of our customers. They can either select a regular EMI option, choose to pay instalments anytime during the tenure or opt for a one-time bullet payment.

  1. Loan Transfer Benefits

With the help of our loan transfer system, one can save up to Rs.12377 per lakh on repayments. To avail this benefit, individuals need to share their current pledge card with us, submit their KYC documents, and pay the outstanding interest to the existing lender.

  1. Overdraft Facility

With Rupeek Quick, our overdraft facility, customers can avail a credit line against the value of their gold ornaments, and gain access to instant funds. Moreover, they need to pay interest only on the amount they have withdrawn.

Our presence in various neighbourhoods of Trivandrum further allows us to offer swift services to our customers.

Top Localities of Trivandrum Where Rupeek Offers Its Services

  • M G Road
  • Poojapura
  • Vattiyoorkavu
  • Peroorkada
  • Kallambalam
  • Pachalloor
  • Kazhakkoottam
  • Peyad
  • Janardhanapuram
  • Karaivattom

Our strong presence in Thiruvananthapuram allows us to offer doorstep loan services within just 30 minutes. With us, borrowers can manage their financial crisis without any delay

So, apply for a personal loan in Trivandrum against gold today and enjoy exclusive benefits.

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Frequently asked questions

1. How to apply for a gold-backed personal loan in Trivandrum?

You can quickly apply for a personal loan against gold online via Rupeek’s official website. Enter your mobile number and click on “Apply Now”. After that, a company representative will get in touch with you for further processing.

2. How to avail rebate on personal loan repayment?

To avail the rebate on a personal loan, you must make regular repayments. Moreover, you can avail a higher rebate with more frequent repayments.

3. Can I avail a persona loan from Rupeek with a low credit score?

Yes, you can avail a personal loan from Rupeek with a poor credit score.

4. Is there any part repayment option available with Rupeek?

Yes, Rupeek offers a partial repayment facility without any additional charges. However, the amount must be higher than the monthly interest but lower than the foreclosure sum.

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