Home Loan in Kolkata

Check home Loan Interest Rates of All Major Banks of kolkata Instantly
Bank Name
Floating Interest rate
Processing Fee
Kotak Mahindra Bank
8.35%
upto 1.25% of the loan amount
HDFC
8.80% onwards
0.5% of loan amount or Rs 3,000 whichever is higher, plus applicable taxes
IndusInd bank
9.50%
upto 1% of loan amt.
IIFL
9.50%
upto 0.75% of loan amount, or Rs. 3000
RBL BANK
10.30%
Min. Rs. 5000 of loan amount + applicable GST
Aditya birla
9.00% onwards
Up-to 1% of the loan amount
Federal Bank
8.75% onwards
upto 1% of loan amount
FULLERTON
9%
3%
8.90%
0.5-1% of the loan amount+applicable taxes
8.75%
0.50% of loan amount upto Rs. 50 lakhs, above Rs. 50 Lakhs is 0.25% of loan amount + GST
TATA CAPITAL
8.70%
0.50% of the loan amount
8.85%
upto 1% of the Home loan amount subject to a minimum of Rs 10000
BAJAJ
9.05%
upto 2 %
ABOUT HOME LOAN IN KOLKATA

We eye to create a robust alternative credit ecosystem in the country. For this, we are digitizing the finance functions. Anywhere and everywhere – you can Apply for a Home Loan with just a few clicks.

Now, you can compare and make a wise choice for the best Home Loan in kolkata also. We bring forth a myriad of options from best banks and NBFCs for your convenience. It’s simple! Choose your desired product and win amazing assured cash backs up to ₹ 5000 on the disbursal of your loan amount.

Eligibility Criteria for Home Loan in kolkata

No worries for strict eligibility conditions. We tie-up with all the best lenders in the kolkata and help you with flexible eligibility criteria. Salaried/self-employed/professionals – hope you meet the following eligibility parameters.

  • A salaried individual needs to be between 23 to 62 years
  • A self-employed individual needs to be between 25 to 70 years
  • The credit score should be 700+
  • A minimum of 2 year work experience is required for the salaried individual
  • A minimum of 3 year business continuity is required for self-employed people

Documents Required for Home Loan in kolkata –

We leverage existing and emerging technologies to offer you the complete digitalized process. Upload the required documents; it will take a few minutes.

Salaried Class

  • Identity Proof - Aadhaar Card /Voters ID/Passport/Driving License /PAN Card/Photo Credit Card/Photo Identity Card issued by the Govt. of India
  • A recognized public authority or public servant issued letter establishing the identity of the customer (not more than 1 month old)
  • Residential Proof - Leave and License Agreement/Utility Bill (maximum three months old)/Passport/Voter ID Card/Aadhaar Card/Rent Agreement on Stamp Paper/Life Insurance Policy
  • Income Proof – Salary slips for the last three months along with the bank statement showcasing the credited salary. Latest Form 16/ITR
  • Employment Certificate – for the past 1 year
  • Photographs - Two passport size
  • Other Documents – Evidence to support running loans long with repayment bank statement for the past 6 months

For Self-employed

Identity Proof -

  • Aadhaar Card /Voters ID/Passport/Driving License /PAN Card/Photo Credit Card/Photo Identity Card issued by Govt of India

A recognized public authority or public servant issued letter establishing the identity of the customer (not more than 1 month old)

Address Proof for Business Entities –

  • Business Certificate/Trade License Certificate/SSI Registration Certificate/Registration Number issued by ROC

Proof of Income –

  • ITR for the last 2 years
  • Balance Sheet & P&L Account
  • 6 months account statement of business entity and savings account statement of individual

Running Loan & other Documents

  • Evidence to support running loans long with repayment bank statement for the past 6 months
  • Shareholding pattern list (certified by CA/CS)
  • Partnership deed (for partnership companies)

In addition to all the above documents, both salaried and self-employed people need to furnish the following property papers -

  • Copy of property documents
  • Copy of Agreement to sell
  • Buyer Agreement/Allotment Letter
  • Occupancy Certificate (in case of ready to move in property)
  • No Objection Certificate from the builder/society
  • Payments receipt made to the developer

Benefits & features of taking a Business Loan in kolkata

Scale up your business to new heights with a business loan. At kolkata, we have a plethora of options with added benefits. Everything is online – you don’t need to visit the bank.

Get ready to leverage the following benefits –

  1. Instant Approval – Yes. SBI, ICICI, HDFC, India Bulls, IIFL and other players are offering instant paperless approval for housing loan. At Afinoz, the lowest home loan rate is guaranteed because we bring forth best home loan players along with their offers under one roof.
  2. High Eligibility – Within few minutes, we will assess your home loan eligibility and suggest you the best available options in kolkata. Our process is driven by automated technologies, and we help you get low EMI home Loan
  3. Balance Transfer – We will make you pay your EMI easily by reducing your debt amount. Transfer your Home Loan balance to save on money. Some lenders charge fee for a home loan balance transfer.
ABOUT KOLKATA

Kolkata is the capital of West Bengal, an Indian state. It is located on the east bank of the Hooghly River about 80 kilometers west of the border with Bangladesh. The Kolkata port is India's oldest operating port and it is the sole major riverine port.

The city derives its name from the Kolkata, the Bengali name of one of three villages that predated the arrival of the Britishers. The other two villages were Sutanuti and Govindapur. Today Kolkata is a city famous for its traditional soul, colonial architecture, cultural festivals, and street foods. There are various places in Kolkata to attract the tourist’s attention. Some of them are Howrah Bridge, Mullick Ghat Flower Market, Esplande, Park Street, Victoria Memorial, Birla Planaterium, Kumortuli, Khalighat Temple, Alipur Zoo and others.

TOP LOAN PROVIDERS IN KOLKATA
ABOUT PUNJAB NATIONAL BANK, KOLKATA, West Bengal

Punjab National Bank (PNB) is an Indian multinational banking and financial services company. Established in 89, it is state-owned bank. Headquartered in New Delhi, India, the bank operates through a network of zonal offices, 7 circle offices, 98 branches, and 98 ATMs. PNB also operates a banking subsidiary in the UK, as well as branches in Hong Kong, Kowloon, Dubai and Kabul and representative offices in in Almaty (Kazakhstan), Dubai (UAE), Shanghai (China), Oslo(Norway), and Sydney (Australia). PNB and other major commercial banks were nationalized on 9 July 99.

Bank Details
Product

Saving deposit accounts Current accounts Fixed deposit Capital gain account schemes Corporate banking products Working capital financing

Insurance

Life Insurance Fire Insurance Theft Insurance Health Insurance Travel Insurance Household goods & Accidental insurance

Banking

Net Banking Mobile Banking SMS Banking

Popular Product

Saving deposit accounts Current accounts Fixed deposit Capital gain account schemes Corporate banking products Working capital financing

Loans

Housing loan Car and two wheeler loan Personal loan Professional loan Education loan Mortgage loans MSME Loan Term loans Loan against future lease rentals

Cards

Rupay Credit Card Rupay Debit Card Visa Credit Card Visa Debit Card Mastercard Debit Card Mastercard Credit Card Prepaid Cards

Branches of PUNJAB NATIONAL BANK in KOLKATA
MADHYAMGRAMRAJARHAT NEW TOWNMAHESHTALABACK OFFICE KOLKATABANGURBAGUIHATIDOMJURC/C LINK OFFICE BRABOURNE ROADC/CHEST B/O SHIBPUR HOWRAHC/CHECT B/O BRABOURNE ROADC/CHEST B/O TOLLYGUNGEKASBAKOLKATA FGM OFFICEHASTINGS, KOLKATAKAMARHATI BELGHORIARETAIL HUB SALT LAKE SEC-1RETAIL SANCTIONING HUBN S ENGG COLLEGE GARIASALT LAKE, SECTOR-2SALT LAKE,SECTOR-5ASSET RECOVERY MANAGEMENT BRANBELUR (DIST. HOWRAH)WEST BENGLDUNLOP BRIG,CALCUTTA ,CDPC, CALCUTTAKOLKATA R.M OFFICEZONAL OFFICE, KOLKATASOUTH GARIA, DISTT. 24 PARGANAKOLKATA SHAKESPEARE SARANICALCUTTA GARIAHAT RD, DISTT. CCALCUTTA EXRA ST, DISTT. CALCUKOLKATA,LENIN SARANI,DISTT.CALCUTTA CLIVE ROW, DISTT. CALCALCUTTA PRINCEP STREET, DISTTMAHATMA GANDHI ROAD, KOLKATAASHUTOSH MUKHARJI ROAD CALCUTTCALCUTTA TINGRA SILLANCE AREA,CALCUTTA OVERSEAS BR.ICHAPURSHIBPUR, DISTT HOWRAHBACK OFFICE KOLKATAKOLKATA, MOHAN LAL STREET,KOLKATA N.S. ROADKOLKATA GARPARKOLKATA SUTAPATTYGARDEN REACHKOLKATA,SATISH MUKHERJEE ROADSELIMPUR ROAD KOLKATA .CALCUTTA CHARU AVENUE, DISTT.CALCUTTA SHEKRIPARA ROAD,KEYATALA ROADBHATPARA SHYAM NAGAR, DISTT. BPATIPUKURSALT LAKE CITY SECTOR-3,SOUTH SINTHEEJADAVPURLAKE AREALANSDOWNE ROAD, CALCUTTACALCUTTA GARIAKOLKATA, KALIGHATBEHALA, DISTT. CALCUTTA (WESTCALCUTTA ALIPUR CHETLA, DISTT.NIMTALLA POSTAKIDDERPURKOLKATA,B K PAL AVENUEKOLKATA, SEALDAHKOLKATTA ZAKARIA STREETFOREIGN EXCHANGE OFFICECALCUTTA MANIKTALLA, DISTT. CACALCUTTA SALT LAKE, DISTT. NORKOLKATA,COLLEGE STREETCALCUTTA PARK STREET, DISTT. CBIRATICALCUTTA DHARAMTALA SHTREET,KOLKATA, SHYAMBAZARBARBOURNE ROADCALCUTTA LINDAY STREET NEW MKTMCB,KOLKATA, LYONS RANGECALCUTTA 31 CHITTARANJAN AVE,CALCUTTA BRBB ROAD, DISTT. CACALCUTTA BARA BAZAR, DISTT. CACALCUTTA BHOWANIPUR, DISTT. CACALCUTTA NEW ALIPUR, DISTT. CABALLYGUNJECALCUTTA TOLLYGUNGE, DISTT. CA
ABOUT KOTAK MAHINDRA BANK LIMITED, KOLKATA, West Bengal

Kotak Mahindra Bank Limited is a private sector Indian Bank headquartered in Mumbai, Maharashtra. The bank was founded in 98 and in February 00, Kotak Mahindra Finance Ltd. received the license from the Reserve Bank of India to carry on banking business. It had a network of ,88 full-fledged branches and ,99 ATMs in the country as of March 08.

Bank Details
Product

Deposit Fixed Deposit Recurring Deposit Tax Saving Fixed Deposit Senior Citizen Fixed Deposit Sweep-In Facility

Insurance

Life Insurance Health Insurance Motor Insurance Pradhan Mantri Jeevan Jyoti Bima Yojana Pradhan Mantri Suraksha Bima Yojana Atal Pension Yojana

Banking

Internet Banking Mobile Banking SMS Banking

Popular Product

Deposit Fixed Deposit Recurring Deposit Tax Saving Fixed Deposit Senior Citizen Fixed Deposit Sweep-In Facility

Loans

Home Loan Car Loan Personal Loan Education Loan Gold Loan Loan Against Securities Loan Against Property

Cards

Credit Cards Debit Cards Forex / Prepaid Cards

ABOUT KARNATAKA BANK LIMITED, KOLKATA, West Bengal

The Karnataka Bank Limited is ‘A’ Class scheduled commercial bank founded on 8th February 9. Headquartered in Mangaluru in Karnataka, India, the bank has a national presence with a network of 8 branches, 7 ATMs and 0 e-lobbies spread across states and Union Territories. The bank has deployed the most modern information technology like core banking, internet banking and mobile banking etc. to meet customers’ expectation of services, for today and for future. The bank is listed on both the BSE and the NSE.

Bank Details
Product

Saving Account Loans Cards Insurance Investment

Insurance

Life Insurance Health insurance General Insurance

Banking

Core banking Internet banking Mobile banking Treasury, Corporate/Wholesale Banking Retail Banking

Popular Product

Saving Account Loans Cards Insurance Investment

Loans

Personal loan Business loan Home Loan Vechile Loan Loan against property Education Loan

Cards

Credit Card Debit card Deposit only card Image Card Travel card Gift card