Multiple banks. Different interest rates. Call it a "conflict of interest".
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    We found 32 Kolkata Personal Loan
    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    10.99% - 15.99% Fixed
    Up to 2%
    30L Max
    1-5 Years
    Response Time : Within 30 minutes
    Rs.1,000 Amazon voucher free Ad
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    Eligibility Criteria
    Customer Reviews
    10.99% - 14.49% Fixed
    0
    30L Max
    1-5 years
    Response Time : Within 30 minutes
    Rs.1,000 Amazon voucher free Ad
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    10.99% - 19.8% Fixed
    Up to 2% One time fee
    25L Max
    1-5 years
    Response Time : Within 30 minutes
    Paperless approval available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    11.49% - 21.00% Fixed
    0 One time fee
    20L Max
    1-6 Years
    Response Time : Within 30 minutes
    Rs.1,000 Amazon voucher free Paperless approval available
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    13.99% - 16.99% Fixed
    Up to 2% One time fee
    20L Max
    1-5 years
    Response Time : Within 30 minutes
    Rs.1,000 Amazon voucher free Paperless approval available
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    13% - 21% Fixed
    Up to 2%
    Upto 25L
    1-5 years
    Response Time : Within 30 minutes
    Rs.1,000 Amazon voucher free Paperless approval available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    10.99% - 17.99% Fixed
    2.25% (min. ₹1499 + applicable tax) One time fee
    20L Max
    1-5 Years
    Response Time : Within 30 minutes
    Rs.1,000 Amazon voucher free Paperless approval available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    12% - 19% Fixed
    Up to ₹3000 One time fee
    25L Max
    1-5 years
    Response Time : Within 30 minutes
    Rs.1,000 Amazon voucher free
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    10.65% - 11.65% Floating
    0.5% One time fee
    50 K - 10 L
    1-5 Years
    Response Time : Within 30 minutes
    Guarantor Required Paperless approval available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    14% - 33% Fixed
    1.5% to 6.0% One time fee
    15L Max
    1-4 Years
    Response Time : Within 30 minutes
    Paperless approval available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    12% - 18% Fixed
    Up to 1.5% One time fee
    15L Max
    1-5 years
    Response Time : Within 30 minutes
    Rs.1,000 Amazon voucher free INSTANT DECISION
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    11.75% - 13.75% Fixed
    1% One time fee
    30L Max
    1-5 Years
    Response Time : Within 30 minutes
    Rs.1,000 Amazon voucher free
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
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  • Kolkata Personal Loan Reviews

    • Bank Bazaar Personal Loan
      "Very good service"
      0.5 5.0/5 "Blown Away!"
      The person who has contacted me from bank bazaar was really good and it was instant . The website is designed in a very good way. All queries were answered by the customer support of bank bazaar. The website of bank bazaar is easy to use and user friendly. It is good to know about the credit score from bank bazaar website. The interest rates can be easily found through the site bankbazaar.com.
      Was this review helpful? 0
      , kolkata
      Reviewed on Sep 20, 2017
    • Citibank Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have withdrawn the personal loan proposal at present so that was the reason I haven;t got the loan with Citibank bank. I have already told to Citibank executives that I am not requirement at present, The rate of interest is high when compared with others.
      Was this review helpful? 0
      , kolkata
      Reviewed on Sep 20, 2017
    • Bank Bazaar Personal Loan
      "Better service"
      0.5 5.0/5 "Blown Away!"
      Some many times I got call from bank bazaar team, even though the bank partner failed to give a call. The bank bazaar team helped me to get in touch with the bank partner on time and they helps to resolve the customers problem at all times. The website of bank bazaar is easy to use and user friendly.
      Was this review helpful? 0
      , kolkata
      Reviewed on Sep 20, 2017
    • Kotak Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      Due to some personal reasons I haven't proceed with Kotak Mahindra personal loan application. The response was not up to the mark with KOTAK MAHINDRA. They need to focused in their response part, The rate of interest which they have offered was high when compared with others banks.
      Was this review helpful? 0
      , kolkata
      Reviewed on Sep 20, 2017
    • Bank Bazaar Personal Loan
      "Very good experience"
      0.5 5.0/5 "Blown Away!"
      It was a excellent experience at Bankbazaar. The customer support is good and they were very much quick and they were professional in communicating the details. There were a lot of follow up calls and the experience is perfect to get connected with the bank.
      Was this review helpful? 0
      , kolkata
      Reviewed on Sep 20, 2017
    • ICICI Bank Personal Loan
      "Process is quick. But high on the ROI"
      0.5 4.0/5 "Great!"
      The process is good at ICICI Bank for the personal loan as they came over to my place and collected my documents and processed the loan as well. The disbursement was also on time. But the major drawback is the rate of interest. It was high. It was around 16.90%.
      Was this review helpful? 0
      , kolkata
      Reviewed on Sep 20, 2017
    • HDFC Bank Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      The HDFC bank has taken just 3 hours time to disburse my loan amount., They have offered me a pre approved loan because I am customer of HDFC bank ,. The rate of interest is high with HDFC bank when compared with others. The Fore Closure and the part payment option is available with HDFC bank personal loans.
      Was this review helpful? 0
      , kolkata
      Reviewed on Sep 19, 2017
    • Bank Bazaar Personal Loan
      "Excellent service"
      0.5 4.0/5 "Great!"
      I got the call on time from bank bazaar support team. The response part is very quick and fast from bank bazaar team. The website of bank bazaar is easy to use and user friendly. The customer service has made a better follow in regards to my personal loan application.
      Was this review helpful? 0
      , kolkata
      Reviewed on Sep 19, 2017
    • Tata capital Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      Unfortunately I haven't got the personal loan from TATA CAPITAL , because of the lack of address proof. The customer service is good with TATA . The rate of interest which they have offered was high with TATA Capital when compared with others.
      Was this review helpful? 0
      , kolkata
      Reviewed on Sep 19, 2017
    • Bank Bazaar Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      My experience at Bankbazaar is pretty good. I am happy with the overall process as it was on time and they were swift in contacting me and providing me with the best of deals. They also continued to follow up till the end. The website is also satisfactory.
      Was this review helpful? 0
      , kolkata
      Reviewed on Sep 18, 2017
    • HDFC Bank Personal Loan
      "Services are good with a high roi"
      0.5 4.0/5 "Great!"
      I have taken my personal loan from HDFC Bank and the process was nice. I got the loan as expected, just that the interest rate was on the higher side. The processing charges was also high. Else I received the funds on time and there were no hassles.
      Was this review helpful? 0
      , kolkata
      Reviewed on Sep 18, 2017
    • Bank Bazaar Personal Loan
      "Satisfied with the experience"
      0.5 4.0/5 "Great!"
      This is my first experience with Bankbazaar.com and I got a call on time after I registered. The follow up calls were done as well. I used the mobile application and it is a user friendly application. It was a good experience overall without any issues.
      Was this review helpful? 0
      , kolkata
      Reviewed on Sep 18, 2017
    • HDFC Bank Personal Loan
      "Overall process is good"
      0.5 4.0/5 "Great!"
      The disbursement for HDFC Bank personal loan was on time. The executive collected the documents on time and I got the loan within a week. The after loan services is good. I got all the loan details and account number through email. The interest rate was around 10% and the processing charges were very much minimal.
      Was this review helpful? 0
      , kolkata
      Reviewed on Sep 18, 2017
    • Bank Bazaar Personal Loan
      "Easy to Navigate"
      0.5 3.0/5 "Satisfactory"
      Bank Bazaar website information really good to check all the offers in one place, we don't want to visit to the different bank website to check the separate products, Here everything is one stop, But after post process of application, I would like to suggest Bank Bazaar should track the application status.
      Was this review helpful? 0
      , kolkata
      Reviewed on Sep 16, 2017
    • Standard Chartered Bank Personal Loan
      "Response part to be improved"
      0.5 1.0/5 "Really Bad"
      When I approached Standard Chartered personal loan there was no response from their end, no body have contacted me to collected the documents. I do have salary account with them but they didn't give any support on personal loan. It would be great if they improve their response.
      Was this review helpful? 0
      , kolkata
      Reviewed on Sep 16, 2017
    • Bank Bazaar Personal Loan
      "Customer satisfaction"
      0.5 5.0/5 "Blown Away!"
      You're providing a good service, I am happy with that. Bankbazaar thank you . your customer service is very good. they are responding on be on time also they are trying to understand customers problem. And trying to do solve the problems. Good service thank you Bank Bazar.
      Was this review helpful? 0
      , kolkata
      Reviewed on Sep 15, 2017
    • Axis Bank Personal Loan
      "good for banking "
      0.5 4.0/5 "Great!"
      Availing any loan through AXIS bank is preservice no processing fee during the application when compared to other banks and the rate of interest is also according to the market norms also the tenure period is very good which is minimal and acceptable.
      Was this review helpful? 0
      , kolkata
      Reviewed on Sep 14, 2017
    • Bank Bazaar Personal Loan
      "User friendly and easy accesible"
      0.5 5.0/5 "Blown Away!"
      The Bank Bazaar site is very professional as well as their customer service too .We can find different products that banks are providing at one glance rather going to their premises . In short I would say the service offered by Bankbazaar is exemplary.
      Was this review helpful? 0
      , kolkata
      Reviewed on Sep 14, 2017
    • Kotak Personal Loan
      "Good "
      0.5 5.0/5 "Blown Away!"
      The kotak bank services are just good i wouldn't say it as excellent .Their executives have collected documents in proper time and gave apt information .But i don't know the reason why they have rejected the application.So i have opted for AXIS bank to avail loan .Over all its good with no processing fee .
      Was this review helpful? 0
      , kolkata
      Reviewed on Sep 14, 2017
    • Bank Bazaar Personal Loan
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      It was an instant response from Bank bazaar when I applied for my personal loan I got the personal loan through them and the loan experience provided by bank bazaar is kind of okay and they had completed the process Online portal is really working fine therefore I am very much happy with them and this was my very first experience.
      Was this review helpful? 0
      , kolkata
      Reviewed on Sep 14, 2017
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    Kolkata Personal Loan is Rated as "Great!" by 2598 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Personal Loan BYTES FROM OUR KITCHEN

    Kolkata Personal Loan

    Kolkata is the capital of West Bengal and one of the largest cities in India.Kolkata is the main commercial and financial hub of East and North-East India and home to India's second largest bourse, the Calcutta Stock Exchange.

    A personal loan is a kind of unsecured loan which can be used for any purpose that the borrower deems necessary. An unsecured loan is an umbrella term used for loans which do not require collateral. Banks, credit unions, and other financial institutions offer personal loans on an ongoing basis.


    You’re probably eligible for an Kolkata Personal Loan if you are

    01
    02
    03
    04
    Kolkata Personal Loan Minimum Age

    At least 21 years old

    Kolkata Personal Loan Maximum Age

    Less than 65 years old

    Kolkata Personal Loan Eligible Employment Type

    Salaried / Self – Employed
    with regular income

    Kolkata Personal Loan Minimum Income

    Earn more than the minimum
    income required


    Your Kolkata Personal Loan amount eligibility is based on these factors

    01
    02
    03
    Kolkata Personal Loan Minimum Salary

    Minimum income required
    Rs.17,500 per month

    Kolkata Personal Loan Maximum Loan Funded

    Maximum allowed personal loan is Rs. 50K to Rs. 30 lakhs

    Kolkata Personal Loan EMI

    EMIs of other loans lower
    your eligibility


    Increase your eligible Kolkata Personal Loan amount by these steps

    01
    02
    Kolkata Personal Loan Payoff Outstanding Credit Card Bills

    Pay off your credit card bills

    “Kolkata

    Choose longer tenure loan up to 5 Yr years


    Documentation needed to apply for an Kolkata Personal Loan

    • 1. Photo ID and age proof
    • 2. Signed application form with photograph
    • 3. Residence proof
    • 4. Last 6 months bank statement
    • 5. Documentation for salaried applicants:
      • Last 3 months salary – slips
      • Form 16 or Income Tax Returns
    • 6. Documentation for self-employed applicants:

      • Last 3 years Income Tax Returns with computation of Income
      • Last 3 years CA Certified / Audited Balance Sheet and Profit & Loss Account

    Kolkata Personal Loan Interest RatesUpdated on 23 Sep 2017

    Kolkata Personal Loan Details
    Interest Rate (Monthly reducing balance) 13.49% - 34%
    Processing Fees 0.5-2.5%
    Loan Tenure 1 year to 5 years
    Pre-closure Charges 2% - 5%
    Guarantor Requirement No guarantor required
    Apply for Personal Loan

    Personal Loan in Kolkata

    Kolkata has a number of banks and NBFCs offering personal loans—both secured and unsecured—to eligible customers. Unsecured loans, as the name suggests, are loans which do not require a collateral. Financial institutions consider various parameters before issuing an unsecured personal loan. In general, secured personal loans are easy to avail when compared to unsecured personal loans. Some of the leading banks issuing personal loans are HDFC Bank, ICICI Bank, Axis Bank, Kotak Mahindra, etc. Loan comparison portals such as BankBazaar allow you to compare the personal loan products offered by different banks.

    Personal Loan offered by various banks in Kolkata

    Kolkata is home to some of the top financial institutions in the country. Listed below are some of the banks and NBFCs in Kolkata offering personal loans at competitive rates of interest:

    • ICICI Bank
    • HDFC Bank
    • Axis Bank
    • CitiBank
    • Standard Chartered Bank
    • Oriental Bank
    • Kotak Mahindra Bank
    • Fullerton
    • Bajaj Finserv
    • Tata Capital
    • Aditya Birla

    How do I get a Personal Loan with the lowest interest rate in Kolkata?

    Most people prefer to apply for personal loans in the banks where they maintain their salary accounts, as the approval process becomes a lot easier. While it can be considered as an option for quicker sanctioning of loans, comparing and choosing the best suited loan is most desirable. Your personal loan eligibility is affected by numerous factors which can also have an effect on the interest rates offered to you. So if you plan to avail a personal loan at a low interest rate, here are some of the key areas you need to look upon:

    • Credit score: Make sure that you maintain a good credit score before applying for a personal loan. A good credit score increases your chances of getting an unsecured personal loan, which may even come as pre-qualified loans. Generally, a credit score 750 is considered satisfactory for availing personal loans.
    • Make a down payment: Paying out a significant portion of the loan amount is likely to reduce your premiums to a considerable scale. Any amount above 20% of the loan value, paid upfront, will positively impact the interest rates on your loan.
    • Debt-to-income ratio: Debt-to-income-ratio is a measure of the individual’s ability to repay the personal loan. It is a key determinant of your eligibility for personal loans. Ensure that you have a steady debt-to-income ratio before approaching a bank or NBFC for personal loans.
    • Loan comparison: Optimizing the use of financial portals such as BankBazaar will help you when shopping around for loans offering the best interest rates. The BankBazaar website compares the loan interest rates of all its partner banks and makes it easier for customers choose the best suited product.
    • Tenure: The loan tenure has a direct impact on the interest rates charged on your personal loan amount. Therefore, choosing a short tenure will give you less interest rates and vice versa.
    • Employment status: Your employment also has a role to play in the approval of your personal loan. Banks take into account your work experience and the details of your employer while reviewing the loan application. So if you work for a company listed with the bank, you have higher chances of getting personal loans for a discounted interest rate.
    • Personal loan negotiation: It’s a known fact that most people settle for the interest rates offered by the bank. But to avail better rates of interest, negotiation is an imperative. So if you are someone applying for a loan at a bank where you holding your salary account, then you have higher chances of making a negotiation.

    Personal Loan Interest rates in Kolkata 2017

    Bank Interest Rate Range Processing Fee Range Loan Amount Tenure
    ICICI Bank 11.59% - 18.49% (Fixed) 2.25% (min. Rs.1149) One-time fee Rs.20 lakh (Max) 1-5 Years
    CitiBank 10.99% - 15.99% (Fixed) 1% to 2.5% Rs.30 lakh (Max) 1-5 Years
    Kotak Mahindra Bank 11.49% - 20.15% (Fixed) Up to 2% Rs.15 lakh (Max) 1-5 years
    Fullerton 17.25% - 37% (Fixed) 1.5% to 6.0% (One-time fee) Rs.15 Lakh (Max) 1-4 Years
    Bank of Baroda 11.35% - 14.35%Fixed Rs.1,000 to Rs.10,000 (One-time fee) Rs.20,000 - Rs.2 lakh 4 Years (Max)
    State Bank of India 12.90% - 14.90% (Fixed) 1% (One-time fee) Rs.24,000 - 15 lakh 5 Years
    Aditya Birla 11.5% - 13.25% (Fixed) Nil Rs.30 lakh (Max) 1-5 Years
    Allahabad Bank 13.10% (Fixed) 1.22% (One-time fee) Rs.50,000- Rs.7.5 lakh 1-5 Years
    Yes Bank 14% (Fixed) Up to 2% (One-time fee) Rs.20 lakh (Max) 1-5 Years

    Salary requirements to avail Personal Loans in Kolkata

    The salary requirements may vary from one bank to another. However, compare the personal loan offers and make sure that you meet the minimum salary criteria required for a particular loan.

    • For salaried individuals – In general, banks offer personal loans to individuals above 21 years of age and earning a stable an income of above Rs. 15,000.
    • Self-employed individuals – Self-employed persons should provide proof of income and most banks have an income requirement of Rs.1 lakh to Rs.2 lakh (profit) annually.

    Kolkata Personal Loan FAQs

    1. Can I prepay my personal loan?

      You can foreclose the loan amount after paying EMIs for a certain number of month as specified by the bank. However, prepayment charges will be levied.

    2. How much time will it take for my loan to be sanctioned?

      The approval time depends from one bank to another. Some banks approve your personal loans within 24 hours.

    3. What are the additional charges applicable on personal loans?

      You may be required to pay processing fees, which is normally 2% of the loan amount.

    4. What are the loan tenure options that banks offer in general?

      Personal loans can be repaid in a period ranging from 12 months to 60 months.

    5. What is the maximum personal loan amount I can avail?

      Depending on your income and repayment capacity, banks offer you loans starting from Rs.50,000 and it can go up to Rs.15 lakhs.


    Check For Latest: Gold Rate in Kolkata Or Silver Rate in Kolkata
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