Serving 10,000+ Satisfied Customers in Kerala
Your financial well-being is our priority. Octal Finance provides fast, transparent, and customer-focused NBFC loan services across Kerala.
Our skilled team manages administrative tasks, technical support, and daily operations to ensure your business runs smoothly.
of Trusted Service
Total Loans Disbursed
Branches Across Kerala
Average Loan Approval Time
Customer Satisfaction Rate
Customers Served
Get instant loans against your gold ornaments at just 9% interest rate. Safe storage, quick processing, and flexible repayment options.
Instant personal loans for medical emergencies, education, weddings, or any urgent need. Minimal documentation and fast disbursal.
Working capital and expansion loans for SMEs and entrepreneurs. Flexible repayment terms and competitive interest rates.
Finance your dream vehicle with our attractive auto loan rates. Quick approval for new and used vehicles with flexible tenure.
Loans for purchasing residential or commercial properties. Competitive interest rates and hassle-free documentation process.
Fill out our simple online form or visit any of our 50+ branches. Provide basic details about the loan amount you need and the purpose of the loan.
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Our team will quickly verify your submitted documents. We require minimal paperwork - just basic ID proof, address proof, and income documents for most loans.
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Once your documents are verified, our credit team processes your application swiftly. Get loan approval within hours with transparent terms and competitive interest rates.
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After approval, the loan amount is disbursed directly to your bank account. Start using your funds immediately for your personal or business needs.
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" I needed urgent funds and got my gold loan approved within hours at Octal Finance. The interest rate of 9% is very competitive and the staff was extremely helpful throughout the process. "
" I needed urgent funds for medical expenses and Octal Finance came through for me. The personal loan was approved quickly with minimal documentation. Very grateful for their customer-focused service. "
" Octal Finance helped me expand my retail business with their flexible business loan. The process was transparent, interest rates were competitive, and disbursement was quick. Highly recommend! "
" Purchased my dream car with Octal Finance auto loan. The interest rates were the best I could find in Kerala and the approval process was hassle-free. Thank you team! "
" Octal Finance made my dream of owning a home come true. The property loan process was smooth, documentation was minimal, and the team guided me at every step. Excellent service! "
" Outstanding service from Octal Finance! Their transparent process, no hidden charges, and customer-first approach made me choose them over other NBFCs. Truly a trusted financial partner. "
"At Octal Finance Pvt Ltd, getting my vehicle loan was more than just a transaction—it was a smooth and guided journey. The team ensured quick processing and complete transparency, helping me hit the road faster than I imagined. Their commitment to customer satisfaction truly stands out."
"Octal Finance Pvt Ltd understood my business needs and provided timely financial support that helped me scale operations confidently. Their flexible approach and personal attention made a real difference. They don’t just finance businesses—they believe in them."
"During a time of urgent financial need, Octal Finance Pvt Ltd offered me a gold loan with fair valuation and instant disbursal. The process was quick, secure, and handled with utmost professionalism. It gave me both financial relief and peace of mind."
"Our self-help group’s association with Octal Finance Pvt Ltd has been transformative. Their consistent support and guidance have empowered us to improve our income and stability. It feels like we are growing together with a trusted partner."
"Octal Finance Pvt Ltd made accessing a personal loan simple and stress-free. With minimal documentation and fast approval, I was able to meet my family’s needs without delay. Their approachable team and clear communication made all the difference."
"What truly sets Octal Finance Pvt Ltd apart is their customer-first approach. Every interaction reflects professionalism, transparency, and genuine care. They are not just a financial institution—they are a reliable partner you can count on."
" I needed urgent funds and got my gold loan approved within hours at Octal Finance. The interest rate of 9% is very competitive and the staff was extremely helpful throughout the process. "
" I needed urgent funds for medical expenses and Octal Finance came through for me. The personal loan was approved quickly with minimal documentation. Very grateful for their customer-focused service. "
" Octal Finance helped me expand my retail business with their flexible business loan. The process was transparent, interest rates were competitive, and disbursement was quick. Highly recommend! "
" Purchased my dream car with Octal Finance auto loan. The interest rates were the best I could find in Kerala and the approval process was hassle-free. Thank you team! "
" Octal Finance made my dream of owning a home come true. The property loan process was smooth, documentation was minimal, and the team guided me at every step. Excellent service! "
" Outstanding service from Octal Finance! Their transparent process, no hidden charges, and customer-first approach made me choose them over other NBFCs. Truly a trusted financial partner. "
"At Octal Finance Pvt Ltd, getting my vehicle loan was more than just a transaction—it was a smooth and guided journey. The team ensured quick processing and complete transparency, helping me hit the road faster than I imagined. Their commitment to customer satisfaction truly stands out."
"Octal Finance Pvt Ltd understood my business needs and provided timely financial support that helped me scale operations confidently. Their flexible approach and personal attention made a real difference. They don’t just finance businesses—they believe in them."
"During a time of urgent financial need, Octal Finance Pvt Ltd offered me a gold loan with fair valuation and instant disbursal. The process was quick, secure, and handled with utmost professionalism. It gave me both financial relief and peace of mind."
"Our self-help group’s association with Octal Finance Pvt Ltd has been transformative. Their consistent support and guidance have empowered us to improve our income and stability. It feels like we are growing together with a trusted partner."
"Octal Finance Pvt Ltd made accessing a personal loan simple and stress-free. With minimal documentation and fast approval, I was able to meet my family’s needs without delay. Their approachable team and clear communication made all the difference."
"What truly sets Octal Finance Pvt Ltd apart is their customer-first approach. Every interaction reflects professionalism, transparency, and genuine care. They are not just a financial institution—they are a reliable partner you can count on."
"When I needed capital to expand my textile business, Octal Finance approved my business loan in just 2 days. The minimal documentation and friendly customer service made all the difference. Highly recommended! �
"When I needed capital to expand my textile business, Octal Finance approved my business loan in just 2 days. The minimal documentation and friendly customer service made all the difference. Highly recommended! �
We offer Gold Loans (9% interest), Personal Loans, Business Loans, Auto Loans, and Property Loans. Each loan product is designed to meet specific financial needs with flexible terms and competitive interest rates.
We pride ourselves on fast processing. Gold loans can be approved within 30 minutes, while other loan types typically take 24-48 hours. Once approved, funds are disbursed directly to your bank account within 24 hours.
We require minimal documentation: Valid ID proof (Aadhaar/PAN card), address proof, recent bank statements, and income proof (salary slips or business records). For gold loans, just bring your gold jewelry along with ID proof.
Loan amounts vary by product: Gold loans up to 75% of gold value, Personal loans up to ?10 lakhs, Business loans up to ?50 lakhs, Auto loans up to 90% of vehicle value, and Property loans up to ?1 crore based on property valuation and eligibility.
Gold loans require gold jewelry as collateral. Auto and property loans are secured by the vehicle/property itself. Personal and business loans can be unsecured (no collateral needed) or secured based on your eligibility and loan amount requirements.
Transparency is our priority. We clearly disclose all charges upfront including processing fees (typically 1-2% of loan amount), documentation charges, and interest rates. There are no hidden charges - what you see is what you pay.
Loan Guide
Understanding the key differences between gold loans and personal loans can help you choose the best option for your financial needs. Learn about interest rates, processing time, and repayment flexibility.
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Financial Tips
Discover how strategic business financing can help you expand operations, purchase equipment, hire staff, and increase working capital. Get expert tips on choosing the right loan amount and repayment terms.
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Property Loans
Learn the essential steps for securing a property loan, including document requirements, eligibility criteria, and tips for getting the best interest rates. Make informed decisions about your property investment.
Continue Reading16/606-5, 1st Floor, JAMS Arcade, Thrissur Road, Kanippayyur P.O, Kunnamkulam, Kerala 680517
24/7 available, call us anytime