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Choose your employment status to find the Qbera Loan that’s best for you!
I am Salaried (I currently work for a Private Ltd, Public Ltd, Govt., LLP)
I am Salaried (I currently work for a Proprietorship, Partnership Firm)
I am Self Employed (I have my own business)
I am Currently Not Employed
Loan amounts range from Rs.1,00,000 to Rs.15,00,000. APR ranges from 11.99% to 35.99%. Loan lengths range from 12 to 60 months. Administration fee ranges from 1% to 5%.

Personal Loan in Kochi

Looking for an instant personal loan in Kochi? Well, get one within 24 hours from Qbera! Rates of interest on Personal Loans in Kochi start from 11% per annum!

One of the biggest port cities in the South-Western coast, Kochi is a densely populated region of Kerala. While the city is best known for its natural wonders, it is also popular for its financial, commercial, and infrastructural developments. In fact, such is the popularity that its often touted as the financial capital of Kerala. Amid such popularity and developments, it is only likely that the masses of Kochi would try to embrace new technology. Perhaps this is the reason why Fintech platforms are pretty common in the region. Yes, in case you didn’t already know, a large number of people are resorting to digital lending platforms to apply a personal loan in Kochi. This comes as a major blow to the banks that are operating in the city. 

Over the last few years, most salaried professionals of the city have admitted to using Fintech platforms for their financial emergencies. They prefer this over the conventional lending institutions because of the ease of use, simplicity, and hassle-free operations. Yes, since most of these platforms are digital, the entire process of application, document verification, and loan disbursal happens online. This doesn’t just save time, but also simplifies the entire process of applying for a personal loan in Kochi. As of now, Kochi has many such digital lending platforms, offering instant loans at attractive rates. Most people, however, prefer choosing Qbera over the others. This is primarily because this platform offers different personal loan options at flexible interest rates. The tenure ranges from 1 to 5 years, and the processing fee too is relatively less when compared to similar other institutions. In case you’re still not convinced and are wondering how Qbera edges ahead of others, here’s a quick sneak peek!

Personal Loans in Kochi| How is it Better with Qbera?

Qbera Traditional Banks

Processing fee ranges from 1% to 5%

Processing fee is usually 2.25% of the principal amount along with the added GST charges.

Interest rate starts from 10.99%

Interest Rate is usually around 11%

Minimum credit score requirement of 600

Minimum credit score requirement of 700

Get up to Rs 15,00,000 lakhs worth loan when you meet the minimum criteria

Need to have an income of Rs 30,000 or more and a high credit score to qualify for a loan worth Rs 15,00,000 lakhs

Loan is disbursed in as less as 24 hours

Loan disbursal might take 5 to 7 days. 

Features of Instant Personal Loans in Kochi| How Does Qbera Make a Difference?  

  • Getting the loan involves three simple steps of adding your personal details, verifying your documents, and assessing your credit score. Since the entire process happens online, you can check the status from the comfort of your home or workplace. 

  • Unlike banks that require you to have a minimum income of Rs 30,000, you are eligible for a personal loan from Qbera, if your net monthly income is 18,000 or more.

  • While banks look for a score of 750 or higher, Qbera will process your application if you manage to have a score of 600. 

  • If you key in the correct details, Qbera will process your loan in less than 24 hours. 

View a complete list of our FAQs at our help center

Interest Rate & Other Charges

Interest Rate
11.99% to 35.99%
Processing Fee
1% to 5% of total loan amount
Loan Amount
₹1,00,000 to ₹15,00,000
Loan Tenure
12 to 60 months
Getting a Qbera Smart Loan is Simple
Fill out our online application form
Step 1: Online Application Form
Get approved instantly
Fill out our online application form by answering a few questions about yourself, your employment, your education, expenses and needs. This process would take no longer than 10 minutes.
Connect your Bank Account
Step 2: Connect bank account
Submit your bank statements
Connect securely to your bank via netbanking and submit bank statements as part of the easy loan application form. Alternatively, you can upload bank generated pdf bank statements.
Select your loan term
Step 3: Loan term
Choose your Loan Term
Using our proprietary Credit Scoring Algorithm we determine your loan eligibility in real-time. Our algorithm uses the information about you, to determine your future potential and help you get the best rate instantly.
You’re done! Get the money in your Bank Account as early as tomorrow.
Example: A loan offer of ₹2 lac, for a tenure of 3 years at an interest Rate of 16.6% (on a reducing principal) and a processing fee of 2.5%. Translates to:
  1. Processing Fee deduction of ₹5000 (2.5% of 2 Lacs) from loan amount, thus, the amount credited to your account will be ₹1.95 Lacs
  2. EMI of ₹7091 per month
  3. Total payable amount in 3 years = 36 times ₹7091 = ₹2,55,276
  4. Total Interest paid in 3 years = ₹55,276, hence, annual interest paid = ₹18,425 (which translates to an effective flat annual rate of interest of 9.21%)
Repaying a Qbera Smart Loan is just as Simple
Repay your loan with automatic EMI payments.
  • Age: 21-57 years old
  • Net Monthly Income must be more than Rs. 18,000.
  • No defaults in the last 24 months.
  • Aadhaar Card
  • PAN Card
  • Current Address Proof


"I am really happy that I got a loan from Qbera. My application has been rejected by lenders in the past without giving any explanation for rejection. Qbera approved my loan with minimum documents. Thanks a lot once again."



"I would like to thank Qbera for speedy loan processing. I was having a tough time in deciding which bank would actually take my request for a loan as the loan was supposed to be for credit card payoff. I was forced to use my credit card for an unforeseen expense which I could not avoid and was finding it tough to pay back due to the high interest cost on credit cards. I did not want to make many enquiries as many requests can lower the CIBIL score. I contacted Qbera on a Monday and by evening itself they had an offer for me. They kept me informed through every step of the process and were also flexible with regards to my commitments. In the end, the loan was disbursed within two days of documents submission. Thank you Qbera for simplifying the process and helping me find a loan. " Show more...



"It was a nice experience with Qbera. I have never seen such an easy process for getting a loan, especially when you need it the most. Thank you Qbera for your support."



"I had a hassle-free experience with Qbera. It was a very easy application procedure and in a short span of 3 days I got my loan credited to my account. Thank you so much for the support Team Qbera"



"It was very easy to get a loan from Qbera. I just applied on their website and got a confirmed offer immediately. The amount was transferred soon after. Will give it 5 out of 5"



"It's good and quick response from the Qbera team to get the loan. They are very good at the communicating the things properly and appropriately"

Are you ready to get your Qbera Smart Loan?
Apply Now


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We are a Bangalore-based company offering digital, quick, hassle-free personal loans to people when they need them.

Loan amounts range from Rs.1,00,000 to Rs.15,00,000. APR ranges from 11.99% to 35.99%. Loan lengths range from 12 to 60 months. Administration fee ranges from 1% to 5%.

* Subject to Risk Profile

Need Help?
Contact our support team via WhatsApp by clicking below:

E-mail: contact@qbera.com
Phone: 1800 4198 121
Whatsapp:+91 72080 56906
2nd Floor, Featherlite Vista Building,
MV Jayaram Road,
1st Main, Vasanth Nagar.
Bangalore 560 052

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