Personal Loan in Kolkata

Wide Choice

Quick Disbursal

SmartMatch

Digital Process

Wide Choice

Quick Disbursal

SmartMatch

Digital Process

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Google Play Store

4.5_/5

15.5L Reviews

5cr+Satisfied Customers

65+Lending Partners

800+Cities across India

Find Best Personal Loan Offers

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HDFC Bank

10 Second Disbursal*100% Digital Process*Quick Disbursal

Max Loan Amt.Upto ₹25L

Rate of Interest9.99% - 12.5%

Tenure upto1-5 Years

Processing Fee₹ 6,500

Axis Bank

Low Processing fee

Max Loan Amt.Upto ₹25L

Rate of Interest9.99% - 17.15%

Tenure uptoUpto 6 Years

Processing FeeUpto 2%

Kotak Mahindra Bank

Lowest Income requirement100% Digital Process*

Max Loan Amt.Upto ₹25L

Rate of Interest9.98% - 17.2%

Tenure upto1-5 Years

Processing Fee1.1% - 1.5%

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Personal Loan in Kolkata

Personal Loan Interest Rates in Kolkata

Features & Benefits of Personal Loans

Eligibility for a Personal Loan in Kolkata?

Why Choose Paisabazaar?

Compare & Choose the Best Offer

Pre-approved Offers with Instant Disbursals

Know Your Chances of Approval

End-to-End Digital Process

How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

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

Personal Loan Offers in Kolkata

Kolkata, the city of joy, blends heritage with ambition and is an important centre of opportunities for people in the eastern part of India. Making this city your home can demand certain costs that you may need once in a while.

You can fulfil your aspirations by taking a personal loan in Kolkata and meet certain life goals as well. Whether you are salaried or self-employed, you can apply for a personal loan online and get near-instant disbursals to meet your immediate financial requirements.

Personal Loan Interest Rates in Kolkata

An important factor while deciding on a personal loan is the interest rates being offered by a lender.
At Paisabazaar, personal loan interest rates start from 9.98% p.a. from multiple lenders.
The interest rate for applicants may vary depending on their credit profiles.
An applicant with credit score of 750 or above can get personal loans at relatively lower interest rates.
Personal loan interest rates in Kolkata may vary depending on your employment status as well.

Features & Benefits of Personal Loan in Kolkata

At Paisabazaar, you can get personal loan offers from multiple lenders at one place that you can apply even from the comforts of your home. Let us understand some important features and benefits of personal loans:

Freedom to use the loan amount as and how you like
No requirement of security or collateral
Repayment tenure may exceed up to 5 years
Minimal documentation and quick disbursal
End-to-end digital process with expert assistance

Who is Eligible for a Personal Loan in Kolkata?

To be eligible for a personal loan in Kolkata, one needs to fulfil certain criteria set by lenders.

Eligible Applicants

Salaried individuals in corporate and private sectors
Employees of central government, state government, PSUs, etc.
Self-employed individuals
Professionals (Doctors, architects, physiotherapists, CAs, etc.)

Eligibility Criteria

Age – 18 to 60 years (may vary across lenders)
Monthly income – Minimum of Rs. 15,000 for salaried individuals
Minimum Rs. 5 lakh p.a. for self-employed applicants/professionals
Latest credit score – Preferably, 750 or above
Employment stability – Minimum 1 year
Business continuity – Minimum 3 years

Avail Personal Loan for
All Your Needs

Documents Required for Personal Loan in Kolkata

You will have to furnish the following documents at the time of applying for a personal loan:

For Salaried Individuals

Proof of Identity – Aadhaar sard, driving license, voter ID, passport, PAN card
Proof of Income – Latest salary slips, bank statements, form 16, ITR
Proof of Address – Aadhaar card, voter ID, passport, utility bills (gas, water, electricity)

For Self-employed Individuals

Passport, voter ID, driving license, Aadhaar card, PAN card
Aadhaar card, voter ID, passport, utility bills
Previous years’ ITR, profit and loss statement, balance sheet, bank statements

Note: A lender may request you to furnish some additional documents in certain cases at the time of approval.

Why Apply for Personal Loans in Kolkata through Paisabazaar?

You get personal loan offers from 30+ lending partners
Easy to compare and choose the best loan offer
Convenience to apply for a loan through the mobile app or website
Personalised loan offers based on your credit profile
Competitive interest rates for applicants with high credit score
100% digital experience with minimal paperwork and quick disbursal
Expert assistance to help you choose the best loan offer based on your requirements
Credit+ program helps you improve credit score and be future-ready for low-cost loans

Instant Personal Loans in Kolkata – Get Quick Disbursal

When you check your credit score at Paisabazaar, you automatically become eligible for some pre-approved instant personal loans depending upon your credit profile.
These pre-approved offers come with relaxed loan terms and relatively lower rate of interest.
As you pre-qualify for these offers, you may not need to furnish physical documents at the time of final approval.
You can get disbursal against these pre-approved offers almost instantly which can be very helpful at the time of financial emergency.
In case of low credit scores, applicants may not be eligible for instant personal loan offers and they might have to apply for a regular personal loan.

Most Common Uses of Personal Loans in Kolkata

As per market researches, borrowers are applying for personal loan in Kolkata for these purposes:

To meet medical emergencies, surgery expenses, etc.
Funding self-education or professional certification courses
Purchasing big-ticket consumer durables
To meet holiday, festival and vacation expenses
Starting a new office, clinic or lifestyle centre
Expansion of a small business or professional service

How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

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

Explore Our Personal Loan Lenders

Avail Personal Loan for
All Your Needs

FAQs

You can apply for an instant personal loan in Kolkata directly through Paisabazaar website or mobile app and get instant approval with quick disbursal.

At Paisabazaar, you get offers from 30+ top lenders at one place. You can compare and choose the loan option that suits your requirements the best.

Existing Paisabazaar customers with pre-approved offers or self-employed individuals may get a personal loan even without a salary slip. The requirement varies based on the applicant’s credit history and profile.

Lending banks and NBFCs haven’t set the minimum CIBIL score requirement for personal loans in Kolkata. Even though you may get the loan application approved at average scores, applicants with a score of 750 or above get some of the best loan offers.

Top lending partners of Paisabazaar provide personal loan to eligible applicants in Kolkata. They may also offer pre-approved personal loans that are disbursed almost instantly.

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What our customers say

Apne higher education ke liye loan liya tha

Muhje higher education ke liye loan chahiye tha. Paisabazaar pe apply kiya. Got it at the right time. Quite helpful.

Puja DanuJan 22, 2026

Sabse jada helpful log the yaha

Maine bht jagah try kiya tha personal loan ka, yaha try kiya toh helpful log mille. Har steps mai aram se samjhaya or usse muhje loan lene mai jda dikkat nhi aayi.

Anuradha GuptaJan 21, 2026

Meri shaddi thi

Shadi mai bht kharche hote hai. Maine shaddi ke liye personal loan paisabazaar se liya tha. Process smooth tha or interest bhi sahi milla.

Sadia KhatunJan 15, 2026

Travel ke liye personal loan liya tha

Mai bohot din se out of India ghumne jana chahti thi lekin jab jane ka time mila toh budget kaam padh raha tha, Paisabazaar se personal loan leke bht acha trip kiya. Maza agaya. Mere upar koi burden bhi nhi padha

Tarini RoyJan 14, 2026

Easy personal loan available

Took personal loan. Good experience.

Ruchika TiwariJan 14, 2026

Medical Emergency thi, loan jaldi mil gya

Muhje ek medical emergency ke liye personal loan lena padha. Paisabazaar pe bht jaldi or smooth process tha. time pe kaam agaya.

Raj SinghJan 13, 2026

Compare karke sahi rate mila

Loan offers jab comapre kiya toh pata chala konse loan lene se muhje sahi mai faida hoga. Isiliye Paisabazaar muhje best laga.

Akrity PandeyJan 5, 2026

Personal loan fatfat mai mil gaya

Muhje paiso ki urgent need thi. Paisabazaar se loan jaldi or sahi rate pe mil gaya.

Riya MehraJan 5, 2026

Loan from Paisabazaar was actually paperless

I always used to think that the paperless loan is a myth. But on Paisabazaar, I applied for the pre approved loan from IDFC Bank and all documentation was already done. I just filled the form, did kyc and my loan was approved and disbuursed one the same day.

Tanmay BorkatakiDec 12, 2025

Best place for a small loan

I have take loan of 60-70000 three times from paisabazaar in 4 years and every time it has been a very good experience. They provide the loan without failure and have also helped me improve my cibil.

Aridaman Singh ParhichaDec 11, 2025

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Written By

Vandana Punj

Reviewed By

Shamik Ghosh

Paisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners

*Applicable for selected customers

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Personal Loan in Kolkata