Usually, a personal loan is obtained for various purposes such as paying off medical bills, home renovation, wedding expenses, personal durable goods and travel expenses. You can use a personal loan if you want to pay off multiple unpaid loans by opting for debt consolidation or balance transfer.
Being a metropolitan city and a commercial hub, Kolkata is a preferred location for financial institutions. A large number of banks and NBFCs provide personal loans in Kolkata. They give low-interest rate loans with several attractive features. Due to financial reforms and business expansion, the city has seen new heights of development in the last few years. The change in lifestyle and increasing needs of people is leading to the constant growth of finance and service industry. The emergence of digital technology has equipped people with knowledge and convenience of obtaining credit products. Instead of visiting a bank, natives of Kolkata can take advantage of the online services of FinTech companies like IndiaLends. Our services are completely free and you can get some of the best personal loan offers in Kolkata.
To get a low interest personal loans, you need to fulfill the personal loan eligibility criteria of a financial institution. Financial institutions prefer loan applicants with a fair credit history. However, if you have a poor credit score for any reason, you can still find a loan but at a higher interest rate. You can increase your credit score over a period by proper credit management. Personal Loan in Kolkata is available for individuals who earn at least Rs. 20,000 per month. If your company is listed with a bank, it is a plus point but not a mandatory condition for a loan. You need to give the recent salary slips and salary account statement to prove your financial credentials. Apart from that, identity proof, address proof and PAN Card are other required documents to get a loan. Several other factors such as tenure of employment in current company and total work experience are also taken into consideration by banks and NBFCs in Kolkata.
IndiaLends offers free customer support to personal loan aspirants. You don�t need to pay any charges or commission to us. The main benefits of availing our services are - convenience, best loan offers, and 100 per cent transparency .By using our services, you can easily avail a good loan offer meant for you. When you apply personal loan in Kolkata through us, you just need to fill up a simple form. We handle everything for you ranging from documentation to disbursal. Our experienced financial team takes care of your credit needs and finds a good personal loan offer for you. Our team of experienced professionals can fetch you the best personal loan offers in Kolkata. They evaluate your profile and match them against the eligibility criteria of various financial institutions. After the careful analysis of available offers, they pick the best proposal for you.
You can also check your personal loan eligibility by visiting our website. Moreover, we have an efficient personal loan EMI calculator which will help you get an idea of how much loan amount you should borrow. Further, you can also benefit from our free credit report service before applying for a loan which gives an in-depth analysis of your credit history.
Personal Loan: An Overview
A Personal loan is a form of credit offered by financial institutions for the borrower�s personal use.
It is an unsecured loan and doesn�t require collateral as security or a guarantor to avail the loan.
It is an unsecured loan and doesn�t require collateral as security or a guarantor to avail the loan.
10.99% - 20.00% Per Annum
12 to 60 Months
Up to 2.5% of the loan amount
11.69% - 15.00% Per Annum
12 to 60 Months
1.5% of the loan amount
11.00% - 22.00% Per Annum
12 to 60 Months
Up to 2.5% of the loan amount
12% - 35% Per Annum
12 to 60 Months
Up to 2.0% of the loan amount
*The figures provided in the table are indicative subject to change from time.
How it Works
1
Registration
Apply online in less than 2 minutes
2
Quick Verification
We will review your application and give you a decision within minutes
3
Loan Disbursal
Receive the loan amount within two days.
Basic Eligibility Criteria
Good Credit Score
Above 21 years of Age
Salaried professional
Resident of India
Valid Bank Account
PAN Card and Voter ID Card/Driving License
Bank Statements for the last three months
Salary Slip for last three months
Find out your customized interest rate for a Personal Loan in Kolkata
Become a IndiaLends Partner
Become an IndiaLends Partner to earn incentives and rewards!
- Earn up to 2% for loan Referral
- Refer for credit report and earn Rs.20 on successful credit report pulled
- Refer app to another Partner and earn Rs.750 on their first successful disbursal.
** These amount ranges are for total disbursal during the month.
Personal Loans in Kolkata Reviews
Your reviews motivate us and help us make our service even better
- Neelam SharmaIndiaLends gives you access to your credit score and freedom to apply for personal loan sitting at home. The site offers you an overview of different types of loans like personal loans, unsecured loans, installment loans and others where no guarantor is required.5.0
- Saniya FatimaMy experience with IndiaLends has been really good as they have done a good job in processing my loan with HDFC. The website and app is good and easy to use and it is nice to get connected with the bank.4.0
- Kamal BaluniThrough IndiaLends app I was able to know few details of various banks and also the offers they provide. The app has been really helpful and convenient while applying for a personal loan.3.0
- Asiya AfzalThe service was up to mark. They got me connected with the best bank for personal loan. The executive was fast to complete the process. Satisfied!5.0
Frequently Ask Questions
Q. How much can I borrow and for how long?
Q. Can I repay my loan early?
Q. How does Indialends assess my credit worthiness and how long does this take?
Q. Why was my application rejected?
Q. What is my repayment schedule?
Q. What happens in the case of a missed payment or non-payment by a borrower?
Q. What information is shared with the lenders browsing through the profiles?
Q. How do I alter my loan request?
Q. How can I make monthly payments?
Q. How will you disburse the loan amount?
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