Personal Loan in Kolkata

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Personal Loan in Kolkata at a glance

Personal Loan in Kolkata offers financial assistance against any kind of unforeseen situation without any mortgage or security. With instant Personal Loan in Kolkata, you can meet any financial needs. Starting from a medical emergency to house renovation, you can opt for Personal Loan in Kolkata apply at an attractive interest rate. For Online Personal Loan in Kolkata, you need to submit very minimum documents and get instant approval. High credit score and good repaying capacity helps you to avail lowest interest rate Personal Loan in Kolkata. Moreover, if you have high income with a stable job, you can easily apply Instant Personal Loan Kolkata online. The repayment for Personal Loan in Kolkata online apply is through easy EMI option within a period of 1 to 5 years.

Why go for Personal Loan in Kolkata?

Kolkata is the capital city of West Bengal. It is located on the banks of the river Hooghly. Being a major commercial hub, many banking and financial institution have their establishments in Kolkata. Due to IT development and high business expansion, the city has witnessed huge progress in the last few years. These developments led to the rise in the banking needs of the people. Using Personal Loan in Kolkata online apply, you can easily satisfy your financial requirement with ease. There is no boundation on the usage of low interest Personal Loan in Kolkata. For Personal Loan in Kolkata apply, you do not have to pledge any security with the banks or NBFCs. You can use instant Personal Loan in Kolkata for a number of reasons like-
  • Medical Expenses
  • Debt Consolidation
  • House Renovation
  • Vehicle Repair
  • Child's Education
  • Wedding and so on.
Satisfying the eligibility of Personal Loan in Kolkata before you fill up Personal Loan in Kolkata application form is very important. Though the eligibility of Personal Loan in Kolkata is very minimum and easy to fulfill. For Personal Loan in Kolkata instant approval, you must have a credit score of 750 or above with a high and stable income. You can easily check Personal Loan Interest Rates in Kolkata before going for Personal Loan in Kolkata online apply. If you pay off all the previous debts, then you can avail low interest Personal Loan in Kolkata based on other eligibility criteria. Using Instant Personal Loan in Kolkata online, you apply for the loan amount worth of Rs. 40 lakhs. Along with Personal Loan in Kolkata instant approval, you get to submit very minimum documents- ID proof, income proof, the address proof, photograph, and Personal Loan in Kolkata application form (duly filled).

Following are some key points as to why should you opt for Online Personal Loan in Kolkata apply-
  • Low Interest Personal Loan in Kolkata
  • Simple paperwork and minimum documentation
  • No security or collateral required
  • Personal Loan in Kolkata instant approval
  • Low processing fee and no hidden charges
  • Flexible repayment through EMI option
  • Repay within 12 to 60 months

Personal Loan in Kolkata Online Apply

Personal Loan in Kolkata online apply offers financial back-up with an easy and hassle-free experience. Before going for instant Personal Loan in Kolkata online apply, you can easily check eligibility of Personal Loan in Kolkata online. For Online Personal Loan in Kolkata apply, you just need a good net connection. Instead of standing in long queues, you can easily go for Personal Loan in Kolkata apply online in just a few clicks. Moreover, online Personal Loan in Kolkata instant approval offers you with the required fund very quickly. You can easily submit Personal Loan in Kolkata application online when going for Personal Loan in Kolkata apply online.

Here are some of the key benefits of Personal Loan in Kolkata online apply-
  • You can check the Personal Loan interest rates in Kolkata before you apply instant Personal Loan in Kolkata online. Based on your eligibility, you can apply for low interest Personal Loan in Kolkata.
  • Using Personal Loan Eligibility Calculator, you can check your eligibility of Personal Loan in Kolkata. So, you can easily opt for Personal Loan in Kolkata apply online and get approved.
  • You can use Personal Loan EMI Calculator online to get a detailed idea on the monthly installment of repaying Instant Personal Loan in Kolkata.
  • After you satisfy the eligibility of Personal Loan in Kolkata, you can fill up Personal Loan in Kolkata application and submit it online alongwith the required documents.
  • Based on high credit score and good income level, you get to enjoy Personal Loan in Kolkata instant approval online for a hassle-free loan experience.

Features of Personal Loan in Kolkata

With instant Personal Loan in Kolkata, you do not have to worry about immediate fund requirement. With simple paperwork, Personal Loan in Kolkata apply online offers a simple and user-friendly process. A stable job with financial security helps you to avail lowest interest rate Personal Loan in Kolkata. For instant Personal Loan in Kolkata online, you must have a credit score of 750 or more. To apply Personal Loan in Kolkata for low cibil score applicants, higher interest rate will be charged. Moreover, bank’s trust becomes questionable when apply Personal Loan in Kolkata for low cibil score applicants. So, it is always better to maintain a good credit score to enjoy low interest Personal Loan in Kolkata. You can easily repay online Personal Loan in Kolkata within 5 years through flexible EMIs.

Here are some of the unique features of Personal Loan in Kolkata apply
  • You do not have to keep any collateral or security with the bank to apply online Personal Loan in Kolkata. So, you can easily avail low interest Personal Loan in Kolkata without any mortgage or security.
  • The interest rate charged for instant Personal Loan in Kolkata online is very attractive and low. You can avail low interest Personal Loan in Kolkata based on your eligibility criteria.
  • The eligibility of Personal Loan in Kolkata is very minimal and easy to satisfy. Before you go for Personal Loan in Kolkata apply, you can use online Personal Loan Eligibility Calculator to check your eligibility.
  • Based on your eligibility, you can apply online Personal Loan in Kolkata and avail up to Rs. 40 lakhs. Alongwith low interest Personal Loan in Kolkata, you can enjoy many exciting benefits.
  • Using online Personal Loan EMI Calculator, you can check your monthly outgo. So, at the time of instant Personal Loan in Kolkata online, you can easily plan your finances.
  • The documentation alongwith Personal Loan in Kolkata application is very simple and minimal. No lengthy paperwork is involved in Personal Loan in Kolkata apply online.
  • With Personal Loan in Kolkata instant approval, you can use the fund for n no.of purposes. You do not have to wait for long to get approval after Personal Loan in Kolkata online apply.

Credit Score for Personal Loan in Kolkata Online Apply

At the time of Personal Loan in Kolkata online apply, the banks and NBFCs check your credit score before approving the loan. Your creditworthiness is reflected in your credit score. After you submit Personal Loan in Kolkata application, the lending institution assess your credibility to repay the loan based on your credit score. So, you need to maintain a good credit score of 750 or more to enjoy Personal Loan in Kolkata instant approval. Timely repayment of credit card and loan EMIs improves your credit score. A higher credit score helps you to obtain low interest Personal Loan in Kolkata with instant approval.

But if you apply with a low cibil score Personal Loan in Kolkata, a higher interest rate will be charged. Delayed or missed payments of credit dues and loan EMIs will lower your credit score. Your credibility for loan repayment becomes questionable and thus higher interest rate will be charged for low cibil score Personal Loan in Kolkata apply. So, for low interest Personal Loan in Kolkata with instant approval, you must have a good credit score.

Personal Loan in Kolkata Application Form

For instant Personal Loan in Kolkata online apply, you must submit Personal Loan in Kolkata application and the required documents. The eligibility of Personal Loan in Kolkata must be fulfilled before going to apply online Personal Loan in Kolkata. You must fill-up the Personal Loan in Kolkata application accurately for instant approval. Stable income, high credit score, and good repaying capacity can help you with instant Personal Loan in Kolkata online approval. You can also check your eligibility online before submitting Personal Loan in Kolkata application form.

Eligibility of Personal Loan in Kolkata

The eligibility of Personal Loan in Kolkata is very easy to fulfill before Personal Loan in Kolkata apply online. A stable job with a good income level makes you eligible for attractive personal loan interest rates in Kolkata. Higher credit score of 750 or more can lead to Personal Loan in Kolkata instant approval. Following are the criteria for the eligibility of Personal Loan in Kolkata-
  • Age

    21 - 60 years (varies for different banks)

  • Net Take-Home Salary

    Minimum income must be Rs. 15,000 to Rs. 20,000 per month

  • Nationality

    Applicant must be an Indian resident

  • Employment Type

    Also, he/she must be a salaried individual

  • Job Experience

    Minimum 2 years experience with atleast 1-year in the present company

  • Credit Score

    750 or more

Top Financial institutions providing Personal Loan in Kolkata

There are some top banks and NBFCs which offer Instant Personal Loan in Kolkata at an attractive rate. Some of them are mentioned below-
  • ICICI Bank Personal Loan in Kolkata
  • YES Bank Personal Loan in Kolkata
  • Axis Bank Personal Loan in Kolkata
  • Bajaj Finserv Personal Loan in Kolkata
  • IndusInd Bank Personal Loan in Kolkata
  • Indiabulls Personal Loan in Kolkata
  • ECL Finance Personal Loan in Kolkata
  • HDFC Personal Loan in Kolkata
  • IDFC First Bank Personal Loan in Kolkata
  • Kotak Mahindra Bank Personal Loan in Kolkata
  • Fullerton India Personal Loan in Kolkata
  • Tata Capital Personal Loan in Kolkata

Documents Required for Personal Loan in Kolkata Apply

The documentation for Personal Loan in Kolkata apply online is very minimal. You do not have to go through any lengthy paperwork for instant Personal Loan in Kolkata online apply. You need to provide documentation for your income, identity, and residential address alongwith Personal Loan in Kolkata application form.

Following documents are essential to apply for Personal Loan in Kolkata-
  • Duly filled application form
  • Passport size photograph
  • ID proof- PAN card, Passport, AADHAAR card, Driving License.
  • Residential proof- Any latest utility bill like Electricity or Gas bill, Driving License
  • Salary slip of last 3 months
  • FORM 16
  • Last 6 month updated bank statement

Interest Rates for Personal Loan in Kolkata

With high eligibility of Personal Loan in Kolkata, you will be charged low interest Personal Loan in Kolkata. When you submit Personal Loan in Kolkata application, the banks and NBFCs assess your credibility to repay the loan. High credit score and good repaying capacity will help you to avail low interest Personal Loan in Kolkata.

Following are the Personal Loan in Kolkata interest rates of top banks and NBFCs:-
*Interest rates change time to time.
Banks Amount of Loan Loan Tenure Interest Rates Pre-Closure Charges Processing Fees
ICICI Bank Personal Loan in Kolkata Minimum- Rs. 50000
Maximum-Rs. 40 lakhs
1-5 years 11.25%* 5% of
outstanding
principal+ GST
0.99% to 2.25%
YES Bank Personal Loan in Kolkata Minimum- Rs. 2 lakhs
Maximum-Rs. 20 lakhs
1-5 years 10.75%*

Within 12 to 24 months: 4%

Within 24 to
36 months: 3%

Within 36 to 48 months: 2%

After 48 months : No charges.

2% of the
principal
minimum of 999
HDFC Bank Personal Loan in Kolkata Minimum- Rs. 50,000
Maximum-Rs. 25 lakhs
1-5 years 10.99%*-21.25%*

Between 2% to 4% of the outstanding principal.

Up to 2.50%
Kotak Mahindra Bank Personal Loan in Kolkata Minimum- Rs. 50,000
Maximum- Rs. 15 Lakhs.
1-5 years 10.99%*-24%* 5% of outstanding principal. Up to 2.5%
Bajaj Finserv Personal Loan in Kolkata Minimum- Rs.1 lakh
Maximum-Rs.25 lakh
1-5 years 12.99%* NIL Up to 3.99%
Indusind Bank Personal Loan in Kolkata Minimum-Rs .50,000
Maximum- Rs. 15 Lakhs
1-5 years 11.25%* 4% of
outstanding principal
Up to 2.50%
Capital First Personal Loan in Kolkata Minimum-Rs.50,000
Maximum- Rs. 15 Lakhs
1-5 years 12%*-18%* 4% of
outstanding
2% of loan amount
Axis Bank Personal Loan in Kolkata Minimum-Rs.50,000
Maximum- Rs. 15 Lakhs
1-5 years 16%*-24.00%* NIL 2.00%+service charge applicable.
Indiabulls Personal Loan in Kolkata Rs. 15 lakhs 1-5 years 11.99%* 5% if less than 6
months.
Up to 5%
IDFC First Personal Loan in Kolkata Minimum-Rs.50,000
Maximum- Rs. 4 Lakhs
1-5 years 11.50%* 4% of
outstanding.
2% of principal
TATA Capital Personal Loan in Kolkata Minimum- Rs. 75,000
Maximum- Rs.25 lakhs
1-6 years 11.25%* 4.5% of
outstanding principal.
And NIL for the initial 6 months
Up to 2.5%
ECL Finance Personal Loan in Kolkata Up to Rs. 10 lakhs 1-5 years 17.50%* 4% of
principal amount outstanding
+GST
Up to 2% of the loan amount
Fullerton IndiaPersonal Loan in Kolkata Minimum- Rs. 65000
Maximum-Rs. 25 lakhs
1-5 years 20%*-49%* 4% of outstanding
principal.
Nil after the 36 months of agreement date.

Foreclosure charges of 7%, 5% and 3% respectively are charged for 7 to 35 months after the agreement date

Benefits of Personal Loan in Kolkata

Before going for Personal Loan in Kolkata apply, you can easily check personal loan interest rates in Kolkata. Also, you do not have to mortgage anything to obtain instant Personal Loan in Kolkata. The paperwork for Personal Loan in Kolkata online apply is very simple and the loan approval is also instant. So, here are some of the benefits when you apply Personal Loan in Kolkata online-
  • No Security required

    Instant Personal Loan in Kolkata is an unsecured loan which does not require any security against the loan. So, you can apply online Personal Loan in Kolkata without any collateral.

  • Minimal Documentation

    For Personal Loan in Kolkata online apply, you need to submit very minimum documents. Your ID proof, address and income proof are essential for instant Personal Loan in Kolkata online apply.

  • Competitive Interest rates

    At the time of Personal Loan in Kolkata apply, you can easily check attractive personal loan interest rates in Kolkata. Based on your eligibility and credibility, low interest Personal Loan in Kolkata will be applicable.

  • Flexible Loan Tenure

    With Instant Personal Loan in Kolkata, you can repay the loan within a flexible tenure of 1 to 5 years. You can easily choose the tenure for repaying instant Personal Loan in Kolkata as per your convenience.

  • Instant Approval

    After you submit Personal Loan in Kolkata application, the banks, and NBFCs assess your profile. On successful profile check, you will enjoy Personal Loan in Kolkata instant approval without any delay.

  • Easy Repayment

    The repayment for instant Personal Loan in Kolkata online is very easy and simple. With flexible Equated Monthly Installments (EMIs), you can repay Online Personal Loan in Kolkata without hurting your pocket.

  • Purpose Fulfillment

    Instant Personal Loan in Kolkata is not a specific purpose-oriented. You can use Online Personal Loan in Kolkata for a wide range of purposes without specifying it.

FAQ's

Ans- You need to fulfill the eligibility of Personal Loan in Kolkata to avail low interest Personal Loan in Kolkata. High credit score and stable income makes you eligible for low interest Personal Loan in Kolkata. If you have a stable job with high credibility to repay the loan, then you can easily enjoy lowest interest Personal Loan in Kolkata.

Ans- The repayment for Instant Personal Loan in Kolkata can be done with EMI option. Instead of burning your pocket, you can repay with monthly installments within 12 to 60 months.

Ans- After paying the EMIs for a specified number of months, you can prepay the loan amount before the loan tenure. However, pre-payment charges will be levied.

Ans- Yes. Your credit score hugely affects Personal Loan in Kolkata instant approval. The credit score is a measure of your loan repayment habit nad financial status. So, a high credit score will help you to obtain the desired loan amount and get instant loan approval.

Ans- Part-Prepayment refers to the condition when the borrower wants to prepay only a certain part of the outstanding loan whereas Pre-Closure refers to the condition where the borrower wants to prepay the entire loan amount in one go.

Ans- You can avail online Personal Loan in Kolkata for a period of 1 to 5 years. You can easily select the tenure of Personal Loan in Kolkata within 5 years as per your convenience.