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Compare Home Loan Interest Rate Offered by Various Banks & HFCs in Kolkata
| Name of Lender | Loans Up to Rs. 30 Lakh | Loans Above Rs. 30 Lakh to Rs. 75 Lakh | Loans Above Rs. 75 Lakh | |
| State Bank of India | 7.50%-8.70% p.a. | 7.50%-8.70% p.a. | 7.50%-8.70% p.a. | Check Eligibility |
| HDFC Bank Limited | 8.15% p.a. onwards | 8.15% p.a. onwards | 8.15% p.a. onwards | Check Eligibility |
| Bajaj Housing Finance | 7.49% p.a. onwards | 7.49% p.a. onwards | 7.49% p.a. onwards | Check Eligibility |
| ICICI Bank | 8.00% p.a. onwards | 8.00% p.a. onwards | 8.00% p.a. onwards | Check Eligibility |
| Axis Bank | 8.35%-11.90% p.a. | 8.35%-11.90% p.a. | 8.35%-11.90% p.a. | Check Eligibility |
| Federal Bank | 9.15% p.a. onwards | 9.15% p.a. onwards | 9.15% p.a. onwards | Check Eligibility |
| Punjab National Bank | 7.55% - 9.35% p.a. | 7.50% - 9.25% p.a. | 7.50% - 9.25% p.a. | Check Eligibility |
| Kotak Mahindra Bank | 8.20% p.a. onwards | 8.20% p.a. onwards | 8.20% p.a. onwards | Check Eligibility |
| Canara Bank | 7.50%-10.25% p.a. | 7.45% – 10.25% p.a. | 7.40% – 10.15% p.a. | Check Eligibility |
| IDFC FIRST Bank | 8.85% p.a. onwards | 8.85% p.a. onwards | 8.85% p.a. onwards | Check Eligibility |
| IDBI Bank | 7.75% p.a. onwards | 7.75% p.a. onwards | 7.75% p.a. onwards | Check Eligibility |
| RBL Bank | 8.20% p.a. onwards | 8.20% p.a. onwards | 8.20% p.a. onwards | Check Eligibility |
| Tata Capital Housing Finance | 7.99% p.a. onwards | 7.99% p.a. onwards | 7.99% p.a. onwards | Check Eligibility |
| PNB Housing Finance | 8.25% - 11.50% p.a. | 8.25% - 11.50% p.a. | 8.25%-12.35% p.a. | Check Eligibility |
| Sammaan Capital (Formerly known as Indiabulls Housing Finance) | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards | Check Eligibility |
| India Shelter Home Loan | 10.00% - 24.00% p.a. | 10.00% - 24.00% p.a. | 10.00% - 24.00% p.a. | Check Eligibility |
| L&T Finance Limited | 8.65% p.a. onwards | 8.65% p.a. onwards | 8.65% p.a. onwards | Check Eligibility |
| Godrej Housing Finance | 8.55% p.a. onwards | 8.55% p.a. onwards | 8.55% p.a. onwards | Check Eligibility |
| Home First Finance | 11.90% - 15.00% p.a. | 11.90% - 15.00% p.a. | 11.90% - 15.00% p.a. | Check Eligibility |
| Easy Home Finance | 8.99% - 18.00% p.a. | 8.99% - 18.00% p.a. | 8.99% - 18.00% p.a. | Check Eligibility |
| Piramal Capital Housing Finance | 9.50% p.a. onwards | 9.50% p.a. onwards | 9.50% p.a. onwards | Check Eligibility |
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Home Loan Features in Kolkata
- Interest rates of home loans start from 7.25% 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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