Download AppWin Assured Cashback
Paisabazaar Logo - Compare loans and credit cards

Personal Loan in Kolkata

From Dum Dum to Tollygunge and from Salt Lake to Behala, Kolkata is a city of opportunities. When money matters can’t wait, Paisabazaar brings you instant access to personal loan offers from 30+ lenders. Get up to ₹40 lakh personal loan in Kolkata at competitive rates starting from 9.98% p.a. onwards.
4.5/5

15.6L Reviews

5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed
Icon image of Wide Choice

Wide Choice

Curated offers from 30+ lenders

Icon image of Quick Disbursal

Quick Disbursal

Money in your account instantly

Icon image of SmartMatch

SmartMatch

Offers ranked according to eligibility

Icon image of Digital Process

Digital Process

Hassle-free & paperless

Select Your Bank

5K1Cr
8%30%
1Y 7Y

Your Monthly EMI Payment

0

Principal Amount0
Interest Amount0
Total Amount0

Find Best Personal Loan Offers

filter-icon

Filters

ICICI BankICICI Bank
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing FeesUpto 2.5%
Max. Loan Amount₹2 Crore
HDFC BankHDFC Bank
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing Fees₹4999+GST
Max. Loan Amount₹50 Lakh
Axis BankAxis Bank
Processing Time3 - 5 Days
Interest Rate11% onwards
Processing FeesUpto 3%
Max. Loan Amount₹5 Lakh
Kotak BankKotak Bank
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing Fees₹12999+GST
Max. Loan Amount₹50 Lakh
Bajaj FinservBajaj Finserv
Processing Time1 - 2 Days
Interest Rate10% onwards
Processing FeesUpto 1.2%
Max. Loan Amount₹75 Lakh
IDFC First BankIDFC First Bank
Processing Time1 - 2 Days
Interest Rate9.99% onwards
Processing FeesUpto 2%
Max. Loan Amount₹1 Crore
CholamandalamCholamandalam
Processing Time3 - 5 Days
Interest Rate17% onwards
Processing FeesUpto 4%
Max. Loan Amount₹50 Lakh

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

Avail Personal Loan Banner

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
Why Choose Paisabazaar?
image of Compare & Choose the <strong>Best Offer</strong>

Compare & Choose the Best Offer

image of Pre-approved Offers with <strong>Instant Disbursals</strong>

Pre-approved Offers with Instant Disbursals

image of Know Your <strong>Chances of Approval</strong>

Know Your Chances of Approval

image of End-to-End <strong>Digital Process</strong>

End-to-End Digital Process

Avail Personal Loan for
All Your Needs

Avail Personal Loan Banner

Avail Personal Loan for
All Your Needs

FAQs

How can I get an instant personal loan in Kolkata?

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

Which bank is best for personal loan in Kolkata?

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.

Can I get a personal loan without a salary slip in Kolkata?

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.

What is the minimum CIBIL score for personal loan in Kolkata?

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.

Which bank will give a personal loan easily in Kolkata?

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.

How to get a personal loan in Kolkata without collateral?

Lenders offer collateral-free personal loans to eligible applicants at Paisabazaar. You can compare various offers and select the most suited offer.

How to get urgent personal loan in Kolkata without documents?

A pre-approved personal loan at Paisabazaar is the best way to get an urgent loan in Kolkata if you have a high credit score. It is approved instantly and disbursal may take place in as less as a couple of minutes.

quotes icon

What our customers say

Smooth & hassle-free loan approval experience

I want to express my gratitude for your exceptional support & guidance throughout my loan application process to Aman (EW17239). Your professionalism & clear communication made the journey smooth and manageable. I appreciate how you helped during loan approval & fast-tracked the documentation. It is rare to find someone so committed to their clients. I truly value the effort you put into ensuring a successful outcome. Thanks again for your invaluable help.

icon image of avatar
Sanjay Kumar GuptaMar 30, 2026

Exceptional guidance throughout the process

I’d like to express my sincere appreciation for Mr. Aman Kumar (EW32023) for the excellent assistance provided. His professionalism & willingness to help made the experience smooth & pleasant. Aman Kumar demonstrated patience & clarity while addressing queries and ensured that everything was handled efficiently. Such dedication & customer-focused service truly deserve recognition. Please convey my thanks and appreciation to him for his outstanding support.

icon image of avatar
Jyotirmoy SinghaMar 23, 2026

Very helpful and easy to reach

I really wants to appreciate Mohankumar Dhandapani for closing my loan requirement in such a short time and nice manner. He is very much approachable helped me based on my requirements. He explained me all the options in very short time even one option failed immediately helped me to get other options worked. Excellent job done by Mohankumar Dhandapani all the best keep you same way approachable you will get more customers. Thanks to Paisabazar too.

icon image of avatar
Kirubagaran GanesanFeb 24, 2026

Reliable help when i needed it most

I am writing this email to express my sincere thanks for your excellent support and guidance on Paisabazaar. My experience was very smooth and satisfying because of your help. You explained everything clearly and made the whole process easy and comfortable for me. I truly appreciate your professionalism, patience, and quick response. I am very happy with the service and would definitely recommend to others because of the great support I received from you. Thank you once again

icon image of avatar
DharmeshFeb 22, 2026

Committed support that made everything easy

I’d like to appreciate the Paisabazar team for the excellent loan service. I especially want to recognize one of your agents, Mr. Prince Kumar, for his outstanding support. For more than a month, he continuously followed up with me and assisted me. His commitment & professionalism made the experience smooth & hassle-free. I appreciate his efforts and dedication. Kindly acknowledge his performance and consider rewarding such a sincere employee.

icon image of avatar
BhupendraFeb 18, 2026

My Trust in Paisabazaar has Increased

I would like to take a moment to share my sincere feedback regarding the support I received from your team. The executive who assisted me was extremely professional, polite, and knowledgeable. They patiently understood my concern, explained the process clearly, and guided me step by step toward the right solution. I truly appreciate the transparency, timely responses, and genuine effort shown to help me.

icon image of avatar
Lalit MaviFeb 12, 2026

Best Place for Taking Loans

I contacted customer care with a few queries, and I am very satisfied with the support I received. The representative was polite, patient, and explained everything clearly. My questions were resolved properly, and the overall experience was smooth and helpful. Thank you for the excellent customer service

icon image of avatar
Kokil BarnwalFeb 12, 2026

Easy loan approval with good guidance

Thank you for the support provided for getting personal loan approval. During this process I worked with Mr. Aman Bajpai (EW17239) who was co-ordinator for this entire process of Personal loan, I was incredibly impressed by his efficiency and problem-solving skills. He went out of their way to ensure all my questions were answered and that the disbursement timeline stayed on track. His coordination was really appreciable.

icon image of avatar
Riyaj AtarFeb 9, 2026

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.

icon image of avatar
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.

icon image of avatar
Anuradha GuptaJan 21, 2026
View All Testimonials
Vandana Punj profile
Written ByLinkedIn icon
Vandana Punj
Shamik Ghosh profile
Reviewed ByLinkedIn icon
Shamik Ghosh

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

The APR (Annual Percentage Rate) of a personal loan is its annualised cost of borrowing, which includes the interest rate as well as the processing fees, documentation fees and other fees charged during the loan origination. The APR is expressed in the form of a percentage and thus, allows personal loan applicants to detect personal loan schemes offered at lower interest rates but with higher processing fees and/or other charges.

The APR of personal loans usually ranges between 11.29% to 35%. For example, assume that you have availed a personal loan of Rs. 5 lakhs @ 10.50% p.a. with a repayment tenure of 5 years. The processing fee charged for this loan is 1.5% of the loan amount, which amounts to Rs 7,500. Therefore, the total borrowing cost of your personal loan will be Rs 1,52,317 and its APR will be 11.16%.

Address: Paisabazaar Marketing & Consulting Pvt. Ltd. 135 P, Sector 44, Gurugram (HR) 122001

pl-sticky-irfan-icon

Get up to 50 Lakhs starting at 9.98%*

Scroll to top