West Bengal · East India
Loans in Kolkata
Talk to the Kolkata desk
Tell us the need; we call back with lenders and documents to keep ready.
Products
What we arrange in Kolkata
Each product page explains what changes locally: documentation, lender appetite and typical ticket sizes.
Personal Loan in Kolkata
Collateral-free personal loans from ₹50,000 to ₹50 lakh at rates starting around 10.25% p.a., with disbursal typically within 48 hours of approval.
- Rate from
- 10.25% p.a.
- Up to
- ₹50 L
Home Loan in Kolkata
Home loans from ₹5 lakh to ₹10 crore at floating rates from about 7.35% p.a., with up to 90% funding and tenures up to 30 years, across banks and housing finance companies.
- Rate from
- 7.35% p.a.
- Up to
- ₹10 Cr
Business Loan in Kolkata
Unsecured business loans from ₹2 lakh to ₹1 crore for proprietors, partnerships and companies, at rates from about 14% p.a., with tenures up to 5 years and minimal collateral requirements.
- Rate from
- 14.00% p.a.
- Up to
- ₹1 Cr
Loan Against Property in Kolkata
Loans against residential, commercial or industrial property from ₹10 lakh to ₹15 crore at rates from about 8.75% p.a., with tenures up to 15 to 20 years and funding up to 70% of market value.
- Rate from
- 8.75% p.a.
- Up to
- ₹15 Cr
Car Loan in Kolkata
New car loans covering up to 100% of on-road price at rates from about 8.5% p.a., with tenures up to 7 years, across banks and captive finance companies.
- Rate from
- 8.50% p.a.
- Up to
- ₹2 Cr
Professional Loan in Kolkata
Collateral-free loans up to ₹1 crore for doctors, chartered accountants, company secretaries, architects and other professionals, at rates from about 10.5% p.a., with tenures up to 7 years.
- Rate from
- 10.50% p.a.
- Up to
- ₹1 Cr
Working Capital - OD / CC in Kolkata
Working capital facilities from ₹10 lakh to ₹5 crore, including overdraft, cash credit, dropline overdraft and invoice discounting, at rates from about 11% p.a., secured or unsecured.
- Rate from
- 11.00% p.a.
- Up to
- ₹5 Cr
Also available in Kolkata
The Kolkata credit market
Kolkata anchors eastern India's credit market with a large base of public sector and corporate employees, a deep trading and manufacturing community across Burrabazar, Howrah and the industrial belts, and a growing IT sector in Salt Lake Sector V and New Town. Lender competition is somewhat less intense than in Mumbai or Bengaluru, which makes choosing the right lender more consequential for pricing and approval.
Property here has its own conventions: cooperative housing, older buildings in North and Central Kolkata, thika tenancy issues and mutation with the Kolkata Municipal Corporation all affect financing. Our Kolkata desk knows which lenders are comfortable with each, and where a housing finance company is a better route than a bank.
Economy and borrowers
Kolkata's economy spans public sector undertakings, banking and insurance head offices, jute and engineering, leather in Bantala, tea and commodity trading, IT and ITES in Salt Lake and New Town, and one of the country's largest wholesale trading communities. Howrah and Hooghly add a dense MSME manufacturing base.
Property and home loans
Residential demand is concentrated in New Town and Rajarhat, the EM Bypass corridor, South Kolkata and Howrah's riverside developments. Stamp duty is around 6% to 7% depending on value and location, plus 1% registration. Lenders scrutinise mutation, completion certificates and society or association documents, and many older properties need extra legal work.
Lender presence
Public sector banks with regional headquarters in Kolkata are strong on home loans and MSME finance; private banks, HFCs and NBFCs operate across the city with growing LAP and business loan books focused on the trading community.
FAQs
Borrowing in Kolkata
Can I get a home loan for an old building in Kolkata?
Often yes, through HFCs and some banks, provided the title is clear, the building has a completion certificate and mutation is in order. Loan-to-value may be lower for buildings older than 30 to 40 years. We match the property to a lender that funds it.
Are there special loan rates for government employees in Kolkata?
Yes. Several public sector banks with strong Kolkata operations offer concessional home and personal loan rates and higher eligibility to central and state government and PSU employees.
Do you serve Howrah and New Town?
Yes. Our Kolkata desk covers the Kolkata Metropolitan Area including Howrah, Salt Lake, New Town, Rajarhat, Barrackpore and Garia.
Zero fee to borrowers
Lenders pay us after disbursal. You never pay for advice, comparison or processing.
RBI-regulated lenders only
Every loan comes from a bank, HFC or NBFC, with a Key Fact Statement before you sign.
Working-hours contact only
We call between 9:30 am and 6 pm, identify ourselves and the lender, and never pressure.
Your data stays yours
Shared only with the lender you choose, protected under the DPDP Act, deleted on request.
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