Personal Loan in Kolkata

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Loan Duration: 12 - 60 months*   T&C Applied*
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Personal Loan in Kolkata

Personal Loan in Kolkata is an unsecured loan in Kolkata i.e, you need not have to keep any asset as a kind of security with the bank. Personal Loan Interest Rates Kolkata is quite competitive. Major personal loan provider in Kolkata and private loan provider in Kolkata offers an instant personal loan in Kolkata, cash loan in Kolkata even short term personal loan in Kolkata. You can avail Personal Loan in Kolkata for several reasons like-
  • Medical Emergency
  • Educational Purpose
  • Buying an electronic gadget
  • Vacation plan
  • Wedding
  • Paying off other small loans
  • Top-up Loan
  • Buying an asset
and many more.
You can go for Easy Personal Loan in Kolkata with minimal documentation and easy loan approval process. If you need urgent cash loan in Kolkata, you can opt for Personal Loan in Kolkata which offers instant cash loan in Kolkata. You need to have a CIBIL score of 750 or more to avail Easy Personal Loan in Kolkata. You can opt for Personal Loan from NBFC in Kolkata or private loan company in India to apply for Personal Loan in Kolkata. For Instant Personal Loan in Kolkata, you need to go through very simple paperwork. But Personal Loan in Kolkata without documents is not possible. If you need short term cash, you can opt for short term cash loan in Kolkata from the different private loan company in India. So, Instant Personal Loan in Kolkata offers a user-friendly and hassle-free experience with attractive personal loan interest rates Kolkata.

Types of Personal Loan in Kolkata

Personal Loan in Kolkata is the most feasible way to fulfill your needs. You can go for Personal Loan in Kolkata or online loan in Kolkata if you need an urgent cash loan today Kolkata. You can use Easy Personal Loan in Kolkata for n number of uses So, the following are some of the types of Personal Loan in Kolkata -
  • Medical Expense Loan
  • Holiday Loan
  • Home Renovation Loan
  • Wedding Loan
  • Business Loan
  • Consumer Durable Loan
  • Fresh Funding
  • Car Loan
  • Festive Loan

Features of Personal Loan in Kolkata

Personal Loan in Kolkata also called Easy Loan in Kolkata which offers attractive interest rate with quick loan approval process. With the help of Online Personal Loan in Kolkata from any private money lenders in Kolkata, you can meet all your financial needs. At the time of Personal Loan in Kolkata apply online, you need to submit your ID proof, address & income proof. But in case of Personal Loan in Kolkata without documents including Personal Loan without income proof in Kolkata is not feasible. Also, short term personal loan no credit check India is also not possible. You need to have a good credit history with a decent repayment ability to apply for Instant Personal Loan in Kolkata. You can repay Personal Loan in Kolkata with easy EMI option within a period of 1 to 5 years.
So, here are some of the features of Easy Personal Loan in Kolkata :-
  • Attractive interest rates
  • Minimal paperwork
  • Minimum salary requirement
  • The easy Loan approval process
  • Low Processing Fees
  • No hidden charges
  • Flexible Repayment Tenure
  • Easy EMI repayment option

Eligibility Criteria for Personal Loan in Kolkata

The eligibility criteria for Instant Personal Loan in Kolkata are very easy to fulfill. You need to have a good credit score with a stable income source to opt for Easy Personal Loan in Kolkata. You can apply for Personal Loan from NBFC in Kolkata and other banking institutions for an instant cash loan in Kolkata or short term loan in Kolkata.
Following are the eligibility criteria required for Personal Loan in Kolkata-
  • Age

    21 – 60 years (varies for different banks).
  • Net Take Home Salary

    Minimum income must be Rs. 20000 for CAT A Company.
  • Nationality

    Applicant must be an Indian resident
  • Employment Type

    Also, he/she must be a salaried individual
  • Job Experience

    Minimum of 2 years with 1-year experience in the present company
  • Credit Score

    750 or more

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 high business expansion and IT development in Kolkata, the city has witnessed huge progress in the last few years. These developments led to the rise in the banking needs of the people. With the advancement in digital technology, people are enjoying banking products with ease. Today, instead of going to the extremely time-consuming bank, the residents of Kolkata opt for fin-tech platforms like FreEMI to execute their banking requirements.
FreEMI is an innovative platform which offers Personal Loan at an attractive rate and requires very minimum documentation. The unique, affordable & simplified product category makes it a natural digital marketplace to meet all your needs.

Top Financial institutions providing Personal Loan in Kolkata

FreEMI provides an Easy Personal Loan in Kolkata with the help of their leading Personal Loan providers in Kolkata-
  • 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 Bank 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

In order to apply for Instant Personal Loan in Kolkata, you need to submit very minimum documents. For quick Personal Loan in Kolkata, you need to provide documentation for your income, identity, and residential address. There are many personal loan providers in Kolkata which offers Personal Loan in Kolkata with minimum documentation.
Following documents are essential for Personal Loan in Kolkata-
  • Duly filled application form.
  • Passport size photograph.
  • ID proof- AADHAR card, PAN card, Driving License.
  • Residential proof- Any latest utility bill like Electricity bill, Gas bill. Passport.
  • Salary slip of last 3 months.
  • Updated bank Statement of last 6 months.

Interest Rates for Personal Loan in Kolkata

Personal Loan in Kolkata offers attractive interest rates with minimum paperwork. There are many personal loan providers in Kolkata which offers a lower interest rate onPersonal Loan in Kolkata.
Following are the Personal Loan in Kolkata interest rates of top Personal Loan providers in Kolkata:-
*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

Apply for Personal Loan Online in Kolkata

For fast and easy Personal Loan in Kolkata, you can go for online Loan in Kolkata. You can get the details of Instant Personal Loan in Kolkata through online mode. With an online loan in Kolkata, you can apply for Personal Loan in Kolkata in just a few clicks. You do not have to wait in long queues for the online loan in Kolkata from online personal loan provider in Kolkata. Also, you can compare interest rates of top financial institutions when availing Online Personal Loan in Kolkata.

Benefits of Personal Loan in Kolkata

Following are some of the benefits of Personal Loan in Kolkata-
  • No Security required

    Personal Loan in Kolkata is an unsecured loan which does not require any security against the loan. So, you do not have to mortgage anything to avail Personal Loan in Kolkata.
  • Minimal Documentation

    For Easy Personal Loan in Kolkata offering urgent cash loan in Kolkata, you need to submit very minimum documents. So, you have to go for very simple paperwork when applying for Personal Loan in Kolkata.
  • Competitive Interest rates

    Easy Personal Loan in Kolkata offers attractive interest rate. Based on your eligibility and repaying capacity, the competitive interest rate is charged on Personal Loan in Kolkata.
  • Flexible Loan Tenure

    With Easy Personal Loan in Kolkata, you can repay the loan within a flexible tenure of 1 year to 5 years. The longer tenure you select, the higher will be the EMI payment. So, you should choose the tenure for repaying Personal Loan in Kolkata.
  • Easy Disbursal

    Short Term Loan in Kolkata gets easily disbursed and takes minimum processing time. After successful application and documents submission, Personal Loan in Kolkata offers quick disbursal.
  • Easy Repayment

    The repayment option for the Personal Loan in Kolkata is very user-friendly. With Equated Monthly Installments (EMIs), you can repay Personal Loan in Kolkata without hurting your pocket.
  • Purpose Fulfillment

    Personal Loan in Kolkata is not a specific purpose-oriented. You can use Personal Loan in Kolkata for a wide range of purposes.

Short-Term Loans in Kolkata

In case of urgent cash loan in Kolkata, you can easily opt for Short-Term Loan in Kolkata which is as short as 3 months. A huge number of personal loan financing company in Kolkata provides Instant Personal Loan in Kolkata i.e, short-term loan in Kolkata. Short-term loans are repaid within a short tenure. You need to have a good credit score to apply for Short Term Personal Loan in Kolkata. Also, you need to satisfy the eligibility criteria for Short Term Personal Loan in Kolkata to enjoy an attractive interest rate. You have to submit very minimum documents for Short Term Loan in Kolkata.

FAQ's

You can repay Personal Loan in Kolkata through Equated Monthly Installment (EMIs) either in the form of Post-Dated Cheques or issuing an ECS mandate in favor of the bank

After paying the EMIs for a specified number of months, the borrower can pay off the loan amount before the loan tenure. However, pre-payment penalty/pre-closure charges are levied.

You need to have a minimum credit score of 750 or more for Personal Loan in Kolkata.

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.

The factors on which interest rates, pre-closure fees, and processing fees depends are-

  • Income of the borrower
  • Loan Tenure
  • Company Profile of the borrower
  • Amount of loan
  • Bank a/c where the salary is credited.