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Home Loans in Kolkata

Home Home Loan Home Loan in Kolkata

Home loans in Kolkata metropolitan region are offered at interest rates starting from 7.35% 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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Updated: 08-09-2025 12:09:13 PM

Compare Home Loan Interest Rates Offered by Various Banks & HFCs in Kolkata

Name of LenderLoans of Up to Rs. 30 Lakh
Bank of India7.35% p.a. onwardsCheck Eligibility
State Bank of India7.50% p.a. onwardsCheck Eligibility
Punjab National Bank7.50% p.a. onwardsCheck Eligibility
Canara Bank7.40% p.a. onwardsCheck Eligibility
HDFC Bank7.90% p.a. onwardsCheck Eligibility
Bajaj Housing Finance7.45% p.a. onwardsCheck Eligibility
ICICI Bank8.75% p.a. onwardsCheck Eligibility
Axis Bank8.30% p.a. onwardsCheck Eligibility
Federal Bank8.75% p.a. onwardsCheck Eligibility
Kotak Mahindra Bank7.99% p.a. onwardsCheck Eligibility
IDFC FIRST Bank8.85% p.a. onwardsCheck Eligibility
IDBI Bank7.55% p.a. onwardsCheck Eligibility
RBL Bank8.20% p.a. onwardsCheck Eligibility
Tata Capital Housing Finance7.75% p.a. onwardsCheck Eligibility
PNB Housing Finance8.25% p.a. onwardsCheck Eligibility
Sammaan Capital
(Formerly known as Indiabulls Housing Finance)		8.75% p.a. onwardsCheck Eligibility
India Shelter Home Loan10.50% p.a. onwardsCheck Eligibility
L&T Finance Limited8.70% p.a. onwardsCheck Eligibility
Godrej Housing Finance7.75% p.a. onwardsCheck Eligibility
Home First Finance8.00% p.a. onwardsCheck Eligibility
Easy Home Finance11% p.a. onwardsCheck Eligibility
Piramal Capital Housing Finance9.49% p.a. onwardsCheck Eligibility
Shubham Housing Finance10.45% p.a. onwardsCheck Eligibility
Punjab & Sind Bank7.55% p.a. onwardsCheck Eligibility
Jio Housing Finance8.20% p.a. onwardsCheck Eligibility
HDFC Sales Pvt Ltd7.90% p.a. onwardsCheck Eligibility
Note: Last Updated on 8 September 2025

 

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Home Loan Features in Kolkata

  • Interest rates of home loans start from 7.35% 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
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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

Also Check Home Loan EMI Calculator

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Other Home Loan Options in Kolkata
Home Loan Eligibility Pages
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