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Personal Loan in Kolkata

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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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Compare & Choose the Best Offer

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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

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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

HDFC BANKHDFC BANKAxis BankAxis BankKotak Mahindra BankKotak Mahindra BankICICI BankICICI BankFederal BankFederal BankIDFC First BankIDFC First BankIndusind BankIndusind BankRBL BankRBL BankTata CapitalTata Capital
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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

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.

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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.

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Aridaman Singh ParhichaDec 11, 2025

My loan got approved immediately

I wanted a loan and I was able to get it approved through Paisabazaar. It was instantaneous and I got the amount in my account in 2 days only.

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Priyam Sarkar MajumdarDec 10, 2025

I get loan from here

I get loan from Paisabazaar here and it is very quickly given to me.

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Bilal ZaidiDec 9, 2025

Excellant EMI calculator and expert assistance available

The EMI calculator helped me choose the right repayment plan. Clear guidance at every step made the loan process really easy.

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Mohit YadavDec 3, 2025

Fully Digital Process for Real.

Loved the real-time loan status updates.Everything was handled online — didn’t have to visit any branch.

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Gautam BakshiDec 3, 2025

Lower Rate than My Own Bank

Got a lower interest rate than my bank was offering.Smooth digital verification and quick disbursal.

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Shivani SuryaDec 3, 2025

Pre-approved offers with quick approval

I liked how Paisabazaar showed pre-approved offers without affecting my credit score. Customer support was prompt and helped me close the loan quickly.

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Suraj VermaDec 3, 2025

Same day approval. wow.

The loan was approved the same day — super smooth and transparent process.

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Shiv KumarDec 3, 2025

Best Loan Terms on My Credit Score in the Market

Paisabazaar helped me get a loan even with a borderline credit score. Really impressed with how smooth everything was.

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