Personal Loan in West Bengal

Salaried Self-Employed

Please Enter Required Loan Amount

Minimum Loan amount is Rs.15,000 !

Maximum Loan amount is Rs.75 Lakhs !

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Salary should be Minimum Rs.10,000!

Salary should be Maximum Rs.10 Crores !

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Minimum Turnover Should Be Rs. 3 Lakhs!

Turnover Limit Exceeded !

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Interest rate start 10.75% * Upto 40 Lacs
Loan Duration: 12 – 60 months*

Enter Loan amount!

Minimum Loan amount is Rs.15,000 !

Maximum Loan amount is Rs. 75 Lakhs!

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Enter Your Monthly Salary!

Salary should be Minimum Rs.15,000!

Salary should be Maximum Rs.10 Crore!

Enter Your Turnover!

Minimum Turnover Should Be Rs. 3Lakhs!

Your Turnover Limit Exceeded!

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Interest rate start 10.75% * Upto 40 Lacs
Loan Duration: 12 – 60 months*

4.5 /5(500 Votes)

Personal Loan in West Bengal

Overview of Personal Loan in West Bengal

Personal Loan in West Bengal offers financial backup against your financial crunch which can be either medical emergencies, paying off debts, purchasing any consumer durable goods, house repair and so on. With the help of Personal Loan West Bengal, you can easily get loan at a competitive interest rate with easy disbursal and flexible repayment using EMI for a period of 5 years. Easy Personal Loan in West Bengal do not take any security and so, it is an unsecured Personal Loan in West Bengal. You need to have a disciplined repaying habit which will increase your creditworthiness and would raise up your eligibility criteria which in result would help you to get Personal Loan in West Bengal at lower interest rate. A stable source of income with early applying age would help you to avail Personal Loan West Bengal at a lower rate.

Why you should opt for Personal Loan in West Bengal?

West Bengal is an eastern-based Indian state and is the home of almost 9 crores people. West Bengal is a culturally strong state with its development spread to various sectors like industry, agriculture, transportation, power & irrigation and also tourism. With vast economic development, you need to be financially strong. To help you out in this sector, Personal Loan in West Bengal is available at a low interest rate. As West Bengal is a vast state, there are many city, areas which offer personal loan at an attractive rate. You can easily avail Personal Loan in Kolkata West Bengal, Personal Loan in Asansol, Personal Loan in Durgapur, Personal Loan in Siliguri to meet your financial needs. For instant Personal Loan in West Bengal, you need to have CIBIL score of at least 750 or above and a decent repaying ability.

Following are some of the significant points as to why should you choose Personal Loan in West Bengal-

  • Unsecured Personal Loan in West Bengal offers loan without any collateral with the bank.
  • For a low cibil score Personal Loan in West Bengal, you will be charged a higher interest rate.
  • In case of any urgent need of Personal Loan in West Bengal, you can easily apply for it with minimum documentation.
  • Online Personal Loan in West Bengal eases up your loan process in just a few clicks sitting in the comfort of your home.
  • You can avail Personal Loan in West Bengal up to Rs. 25 lakhs at an attractive interest rate.
  • Low processing fee and no hidden charges are stacked up with Personal Loan interest rate in West Bengal.
  • Personal Loan in West Bengal for salaried and Personal Loan in West Bengal for self employed helps in meeting the financial needs of both salaried and self-employed applicants.

Eligibility Criteria for Personal Loan in West Bengal

To avail low interest Personal Loan in West Bengal, you need to maintain the eligibility criteria which is quite minimal. For basic eligibility criteria of Personal Loan in West Bengal, you need to have a stable income source with good repaying capacity and CIBIL score of 750 or above. In case of any existing debts, it is better to clear all the debts which will help you to get Personal Loan low interest rate in West Bengal.

Following are the eligibility criteria for Personal Loans in West Bengal that should be satisfied-

Personal Loan in West Bengal Eligibility Criteria

Salaried

Self-Employed

Age

21 to 60 years

25 to 65 years

Profession

Works in any private sectors, MNCs or anygovt organization

Public or Private Ltd. companies, sole proprietorship firms, Business Professionals, partnership firms, etc.

Income

Min amt. Rs. 20,000

Min Turnover- Rs. 1 crore

Experience of Work

Minimum 2 years of work experience and minimum 1 year in the present company

Continuity of Business for at least 3 years

CIBIL score

750 or above

750 or above

Loan Amount

Up to Rs. 25 lakhs (may vary)

Up to Rs. 30 lakhs (varies according to the bank)

Documents required for Personal Loan in West Bengal

Very minimum documents are required to apply for online Personal Loan in West Bengal. Following are the common documents which are required for Personal Loan in West Bengal-

  • Passport size photo
  • Application Form
  • Proof of Address- Passport, Any Utility Bills like- Electricity, Gas or Water Bills, Driving License.
  • ID proof- PAN Card,Ration Card, AADHAR Card.
  • For Self-Employed

    • Balance Sheet and Statement of Profit & Loss of last 24 months
    • Verified copies of Articles of Association/Trade License/Partnership Deed/Memorandum and Sales Tax Certificate
    • ITR copy of the last 3 years.
  • For Salaried

    • Form 16.
    • Salary slip of the last 3 months.
    • Last 6 months updated bank statement.

Personal Loan Interest Rates in West Bengal of different Financial Institutions

Before you apply for Personal Loan in West Bengal, you can easily compare and check Personal Loan interest rate in West Bengal of all banks and NBFCs-

Banks

Loan Tenure

Interest Rates

Pre-Closure Charges

Processing Fees

Axis Bank Personal Loan in West Bengal

1-5 years

15.50%*

NIL

Up to 2.00%

Bajaj Finserv Personal Loan in West Bengal

1-5 years

14.75%*

NIL

Up to 3%

YES Bank Personal Loan in West Bengal

1-5 years

12.49%*

Within 12 to 24 months: 4% Within 24 to 36months: 3% Within 36 to 48 months: 2% After 48 months : No charges.

2% or 3% of the principal

IndusInd Bank Personal Loan in West Bengal

1-5 years

12.99%*

4% of outstanding principal

0.25% to 2.50%

ICICI Bank Personal Loan in West Bengal

1-5 years

11.49%*

5% of outstanding principal + GST

Rs. 999*

Kotak Mahindra Bank Personal Loan in West Bengal

1-5 years

11.50%*

5% of outstanding principal.

Up to 2.5%

Capital first Personal Loan in West Bengal

1-5 years

16%*

4% of outstanding

Up to 2.49% of the loan amount

Fullerton India Personal Loan in West Bengal

1-5 years

17.25%*

4% of outstanding principal.

Up to 2%

SBI Personal Loan in West Bengal

1-5 years

12.50%*-16.60%*

3% of the prepaid amount (after 1st EMI)

Up to 3% of the loan amount

Aditya Birla Capital Personal Loan in West Bengal

1-5 years

11.75%*

4% of principal outstanding in 1st year, 3% in the 2nd year, and thereafter preclosure permitted after 6 months.

1% of principal.

HDFC Bank Personal Loan in West Bengal

1-5 years

10.99%*

Between 2% to 4% of the outstanding principal.

Up to 2.50%

IDFC First Personal Loan in West Bengal

1-5 years

10.99%*

4% of outstanding

2% – 4%

TATA Capital Personal Loan in West Bengal

1-6 years

13.99%*

4.5% of the outstanding principal. And NIL for the initial 6 months

Up to 2%

Indiabulls Venture Capital Personal Loan in West Bengal

1-5 years

11.99%*

5% if less than 6 months.

Up to 5%

ECL Finance Personal Loan in West Bengal

1-5 years

17.50%*

4% of principal amount outstanding+GST

Up to 2% of the loan amount

*Interest rates change time to time.

FAQ’s

You can use Personal Loan in West Bengal for almost any purpose such as- debt consolidation, buying an expensive product, vacation with family & friends and so on.
The minimum interest rate for Personal Loan in West Bengal starts from 10.99%*. But different financial institutions charge different interest rate based on a number of factors.
In order to apply for Personal Loan in West Bengal, you need to have a minimum CIBIL score of 750 or above.
*Interest rate and Loan approval are subjected to band discretion and approval.