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Home Loan in Kolkata

Home loans in Kolkata metropolitan region are offered at interest rates starting from 7.10% p.a. The home loan amounts can go up to 90% of property value and for tenures of up to 30 years. Many lenders also offer special home loan schemes for applicants having limited income documents, for rural housing and affordable housing. Home loan balance transfer facility is also provided to the existing home loan borrowers of other banks/HFCs to transfer their outstanding home loan amount at lower interest rates.

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Starting 7.10% p.a.

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Offers from 25+ Banks & HFCs

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HDFC Bank
Min Loan Amt. 15L
Rate of Interest7.2% - 13.2%
Tenure uptoUpto 30 Years
Processing Fee10,000
ICICI Bank
Min Loan Amt. 15L
Rate of Interest7.65% - 9.80%
Tenure uptoUpto 30 Years
Processing Fee10,000
Axis Bank
Min Loan Amt. 30L
Rate of Interest8.35% - 11.90%
Tenure uptoUpto 30 Years
Processing Fee14,000
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Compare & Choose the Best Offer

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Easy & Transparent Borrowing Process

How Can I Apply for a Home Loan Online?

Get up to 5 Crore in 5 Simple Steps

Step 1: Enter your mobile number in the application form.

Step 2: Verify using the OTP sent to your mobile number.

Step 3: Enter details related to your loan requirements.

Step 4: Provide your personal and employment details.

Step 5: Compare offers and apply for the best-suited loan.

Home Loan Features in Kolkata

  • Interest rates of home loans start from 7.10% p.a. in Kolkata
  • Flexible tenures of up to 30 years
  • Loan amount can go up to 90% of the property cost
  • Pre-payment charges: NIL
  • Pre-approved home loans are offered by banks to their select customers having good credit profile
  • Top-up home loans are offered to existing home loan borrowers for fulfilling their various personal/business  requirements or for the purpose of home construction, home renovation and home extension.
  • Home loan balance transfer facility is offered to existing home loan borrowers of other banks/HFCs at lower interest rates
  • Fresh home loan applicants or those transferring their existing home loans can also avail home loan overdraft facility to save interest costs and for higher liquidity

Income Requirements: Minimum monthly income required is Rs 15,000 for salaried applicants. However, it can be higher for some banks/HFCs

Eligibility Criteria of Home Loans in Kolkata

  • The home loan applicant should be an NRI, Indian Resident or PIO. Some lenders also offer special home loan scheme to NRI/PIO applicants, branded as NRI Home Loan.
  • Minimum Age of the applicant should be 21 years; maximum age should be up to 70 years (at the time of loan maturity)
  • Job Profile: Salaried (government and corporate employees)/Self-Employed Professional (Doctors, CS, architect, lawyers, CA, consultant, engineer)/Self-Employed Non-Professional (contractor, trader, commission agent)
  • Salaried and self-employed applicants should have a minimum work experience of 3 years
  • CIBIL/Credit score should be 730 and above for increased chances of availing home loan and at lower interest rates

Documents Required for Home Loans in Kolkata

For Salaried Applicants

  • KYC documents: PAN card, passport, voter ID, Aadhaar card, driving license
  • Income Proof: Salary slips for last 3 months, Bank statement for past 6 months with salary credits, ITR/Form-16
  • Employment contract
  • Bank statement showing repayment history
  • Property documents
  • Own contribution proof
  • Processing fee cheque

Additional Documents for Self-Employed Applicants

  • Income Proof: ITR with income computation for past 3 years
  • Memorandum and Articles of Association of the company
  • Latest Form 26AS
  • Balance sheet and profit & loss account statement for last 3 years
  • Business profile
  • Savings account statement of individual for last 6 months and current account statement of business entity

Get a Home Loan For
Your Dream Home

How Can I Apply for a Home Loan Online?

Get up to 5 Crore in 5 Simple Steps

Step 1: Enter your mobile number in the application form.

Step 2: Verify using the OTP sent to your mobile number.

Step 3: Enter details related to your loan requirements.

Step 4: Provide your personal and employment details.

Step 5: Compare offers and apply for the best-suited loan.

Get a Home Loan For
Your Dream Home

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What our customers say

Time saving process

Office ke chalte jyada samay nahi nikal pata tha. Paisabazaar ke online process ki wajah se na hi mene banks ke rates compare karliye ghar bathe balki mera loan application aur disbursal bhi ghar bathe hi ho gaya...bank jana hi nahi pada...

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Pradeep SinghJan 7, 2026

Kam rates pe loan mila

Paisabazaar se mujhe bahut kam rate pe loan mil gaya...isse mere budget pe jada asar nahi pada aur jald hi mera apna ghar ho jayega..

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Nidhi SharmaJan 6, 2026

eligibility check ho jati hai free

me home loan lene ka soch raha tha uske liye mene pehle paisabazaar app se free me apni eligibility check ki..usse mujhe pata chala muje kya cheeze improve karni hai aur fir mera loan jaldi approve ho gaya.

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Shikhar SahuJan 5, 2026

Home loan mila yaahaan par

Mujhe home loan chahiye tha aur yahaan par sahayta kiya inhone aur loan mila. Pehla loan tha mera lekin sab ache se ho gaya.

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Prem Prakash PandeyDec 7, 2025

Home loan here

I took home loan here and they helped me in every step specially in collecting and submitting documents at the time of approval.

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Chandan SinghDec 1, 2025

Got the best home loan interest rate

I was confused and did not have so much time to carry out all the research, so I logged in to Paisabazaar’s portal and was able to see the home loan options I was eligible for. With the assistance of Paisabazaar’s experts, I was able to find the home loan that offered the rate of interest I could afford. Thank you Paisabazaar!

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Anu BhatnagarSep 10, 2021

Excellent Home Loan Service by Paisabazaar

Ended up taking an ICICI Home Loan and I think it was one of the best decisions I ever made. I thank Paisabazaar for helping me out and answering my questions with so much patience.

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KJ ThomasSep 10, 2021

Had a great experience with Paisabazaar

I have always heard my friends talking about how tedious it was for them to avail a home loan and decide the most suitable option. But with the help of Paisabazaar, I was able to compare several home loans and opt for the one that suited my needs. I am happy that I considered Paisabazaar for helping me.

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Ritesh SharmaSep 10, 2021

quick and easy home loan process

I had never thought that applying for a home loan could be so easy. The entire process was online and I didn’t have to go anywhere for application or documentation of my home loan. Paisabazaar experts helped me navigate through the process and later the bank collected my documents and everything was quick and seamless.

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Rupanjali MishraSep 3, 2021

Satisfied experience with Paisabazaar

I am satisfied with my home loan experience with Paisabazaar. I could easily compare different home loan options and apply for the home loan. Their customer care team also called me to confirm all the details and soon after the bank contacted to take the process forward. The process was really smooth.

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Soumil KhannaSep 3, 2021
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