Interested in financial products
CreditMantri
Processing
CreditMantri
Fetching your latest bureau report...
CreditMantri
Analyzing your bureau report...
CreditMantri
Setting up your CreditMantri profile...
CreditMantri
This is taking longer than usual. Please stay with us...

Max Tenure

5 yrs

Best Rate

7.35%

Processing Fee

10,000₹*

View Details

Features

  • * Upto 30 years Loan Tenure
  • * No Prepayment or Foreclosure charges
  • * Funding up to 90%* of the property cost
  • * Customized eligibility programs
  • * Accessible network & decades of experience

Pricing

  • Interest rate – 7.35%
  • Processing Fees – 0.25% of loan amount or Rs. 10,000/- (salaried), 0.5% of loan amount or Rs. 10,000/- (self-employed)

Documents Required

  • Age Proof (PAN Card, Passport, Any other Certificate from Statutory Authority)
  • Residence Proof (Passport, Driving License, Telephone Bill, Ration Card, Election Card, Any other Certificate from Statutory Authority)
  • Education Qualifications – Latest Degree
  • Latest Salary-slips for 3 months or 3 years Income Tax returns for Self Employed
  • Bank Account statement for last 6 months (Salary Account) or 12 months for Self Employed

Max Tenure

30 yrs

Best Rate

6.90%

Processing Fee

0%*

View Details

Features

  • Best ROI in the industry
  • For women beneficiaries 0.05% less than normal rate
  • Speedy Sanction
  • No prepayment charges
  • No hidden charges
  • Interest calculated on daily reducing balance
  • Longer Repayment tenor

Pricing

  • Interest Rate: 6.90% to 8.90%
  • Processing Fee: 0

Documents Required

  • ID proof(PAN card, Pass port/Voter Id/Employer ID/Driving Licence/ Aadhaar Card/MNREGA No) with 2 PP photos
  • Residence proof: Latest Tel bill, Bank Statement / Elec bill / Ration Card / letter from employer)
  • Certificate from employer confirming confirmation of continuous service - For Salaried Only
  • A brief note on nature of business / activity / business licence in case of self-employed
  • Form 16 for last 3 years
  • Bank Statement / Pass book of salary or Business A/c for last 6 months
  • Balance sheet and P&L Account for last 3 years - For Self Employed
  • Salary Slip for last six months - for Salaried
  • Income Tax returns with taxpaid challans for last 3 years - For Self Employed

Max Tenure

15 yrs

Best Rate

12%

Processing Fee

3-5%

View Details

Features

  • Loan on Cash income
  • Past Bureau issues also considered.
  • Funding on gram panchayat , B khata , Properties under municipal limits also funded.
  • Loan starts at 5 lacs.

Pricing

  • Interest Rate: 12 % to 18%
  • Processing Fee: 3 - 5%

Documents Required

  • Identity proof such as Pan Card, Voters ID Card, Passport.
  • Address proof such as electricity bill, ration card.
  • Income proof documents, if available.
  • Bank pass book or Bank Statements.
  • Property documents, if property identified.
Axis Bank Home Loan

Axis Bank Home Loan

4

Max Tenure

30 yrs

Best Rate

8.65%

Processing Fee

Rs. 10,000/-*

Bajaj Finance Home Loan

4

Max Tenure

NA

Best Rate

8.33%

Processing Fee

0.25%

Cholamandalam Home Loan

Cholamandalam Home Loan

4

Max Tenure

15 yrs

Best Rate

15%

Processing Fee

2%

ICICI Bank Home Loan

ICICI Bank Home Loan

4

Max Tenure

30 yrs

Best Rate

9.65%

Processing Fee

NIL

Sundaram Home Finance Limited

Sundaram Home Finance Limited

4

Max Tenure

20 yrs

Best Rate

9.1%

Processing Fee

Nil

Tata Capital Home Loan

Tata Capital Home Loan

4

Max Tenure

25 yrs

Best Rate

8.70%*

Processing Fee

0.25%*

DHFL Home Loan

DHFL Home Loan

4

Max Tenure

30 yrs

Best Rate

8.70%

Processing Fee

Rs.5000/-*

SHUBHAM Home Loan

SHUBHAM Home Loan

4

Max Tenure

15 yrs

Best Rate

12%

Processing Fee

Rs.9500/-*

Magma Fincorp Home Loan

Magma Fincorp Home Loan

4

Max Tenure

20 yrs

Best Rate

12%

Processing Fee

1%*

Edelweiss Home Loan

Edelweiss Home Loan

4

Max Tenure

60 months

Best Rate

10.75%

Processing Fee

1.50%

L&T Finance Home Loan

L&T Finance Home Loan

4

Max Tenure

20 yrs

Best Rate

9.75%

Processing Fee

0.25%*

India Bulls Home Loan

India Bulls Home Loan

4

Max Tenure

30 yrs

Best Rate

8.40%

Processing Fee

Rs. 10,000/-*

Home First Finance Company Home Loan

Home First Finance Company Home Loan

4

Max Tenure

20 yrs

Best Rate

10.50%

Processing Fee

1.5%

IDFC Home Loan

IDFC Home Loan

4

Max Tenure

25 yrs

Best Rate

8.70%

Processing Fee

NIL

LIC Housing Finance Home Loan

LIC Housing Finance Home Loan

4

Max Tenure

25 yrs

Best Rate

8.70%

Processing Fee

Rs.2500/-*

SBI Home Loan

SBI Home Loan

4

Max Tenure

nil*

Best Rate

8.30%

Processing Fee

nil*

PNB Home Loan

PNB Home Loan

4

Max Tenure

nil*

Best Rate

8.50%

Processing Fee

10,000₹*

Standard Chartered Bank Home Loan

Standard Chartered Bank Home Loan

4

Max Tenure

nil*

Best Rate

8.55%

Processing Fee

nil*

Citibank Home Loan

Citibank Home Loan

4

Max Tenure

nil*

Best Rate

8.55%

Processing Fee

nil*

HDFC Bank Home Loan

HDFC Bank Home Loan

4

Max Tenure

nil*

Best Rate

8.30%

Processing Fee

nil*

Kotak Mahindra Bank Home Loan

Kotak Mahindra Bank Home Loan

4

Max Tenure

nil*

Best Rate

8.35%

Processing Fee

nil*

HSBC Bank Home Loan

HSBC Bank Home Loan

4

Max Tenure

nil*

Best Rate

8.30%

Processing Fee

nil*

Bank of Baroda Home Loan

Bank of Baroda Home Loan

4

Max Tenure

nil*

Best Rate

8.30%

Processing Fee

nil*

Central Bank of India Home Loan

Central Bank of India Home Loan

4

Max Tenure

nil*

Best Rate

9.7%

Processing Fee

nil*

Dena Bank Home Loan

Dena Bank Home Loan

4

Max Tenure

nil*

Best Rate

8.25%

Processing Fee

nil*

Corporation Bank Home Loan

Corporation Bank Home Loan

4

Max Tenure

nil*

Best Rate

8.25%

Processing Fee

nil*

UCO Bank Home Loan

UCO Bank Home Loan

4

Max Tenure

nil*

Best Rate

8.45%

Processing Fee

nil*

Union Bank of India Home Loan

Union Bank of India Home Loan

4

Max Tenure

nil*

Best Rate

8.30%

Processing Fee

nil*

Bank of India Home Loan

Bank of India Home Loan

4

Max Tenure

nil*

Best Rate

8.65%

Processing Fee

nil*

RBL Bank Home Loan

RBL Bank Home Loan

4

Max Tenure

nil*

Best Rate

10.30%

Processing Fee

nil*

Allahabad Bank Home Loan

Allahabad Bank Home Loan

4

Max Tenure

nil*

Best Rate

8.50%

Processing Fee

nil*

IDBI Home Loan

IDBI Home Loan

4

Max Tenure

nil*

Best Rate

8.35%

Processing Fee

nil*

Bank of Maharashtra Home Loan

Bank of Maharashtra Home Loan

4

Max Tenure

nil*

Best Rate

nil*

Processing Fee

nil*

Andhra Bank Home Loan

Andhra Bank Home Loan

4

Max Tenure

nil*

Best Rate

10..0%

Processing Fee

nil*

Yes Bank Home Loan

YES Bank Home Loan

4

Max Tenure

nil*

Best Rate

9.35%

Processing Fee

nil*

Syndicate Bank Home Loan

Syndicate Bank Home Loan

4

Max Tenure

nil*

Best Rate

8.60%

Processing Fee

nil*

Vijaya Bank Home Loan

Vijaya Bank Home Loan

4

Max Tenure

nil*

Best Rate

8.65%

Processing Fee

nil*

Indian Bank Home Loan

Indian Bank Home Loan

4

Max Tenure

nil*

Best Rate

8.60%

Processing Fee

nil*

Federal Bank Home Loan

Federal Bank Home Loan

4

Max Tenure

nil*

Best Rate

9%

Processing Fee

nil*

Capital First Bank Home Loan

Capital First Bank Home Loan

4

Max Tenure

nil*

Best Rate

9.00%

Processing Fee

nil*

Oriental Bank Home Loan

Oriental Bank Home Loan

4

Max Tenure

nil*

Best Rate

9.70%

Processing Fee

nil*

Aditya Birla Finance Home Loan

Aditya Birla Finance Home Loan

4

Max Tenure

nil*

Best Rate

8.55%

Processing Fee

nil*

Indian Overseas Bank Home Loan

Indian Overseas Bank Home Loan

4

Max Tenure

nil*

Best Rate

8.55%

Processing Fee

nil*

Karur Vysya Bank Home Loan

Karur Vysya Bank Home Loan

4

Max Tenure

nil*

Best Rate

9.00%

Processing Fee

nil*

South Indian Bank Home Loan

South Indian Bank Home Loan

4

Max Tenure

nil*

Best Rate

9.10%

Processing Fee

nil*

Tamilnad Mercantile Bank Home Loan

Tamilnad Mercantile Bank Home Loan

4

Max Tenure

nil*

Best Rate

10.10%

Processing Fee

nil*

HDFC Bank Home Loan

HDFC Bank Home Loan

4

Max Tenure

30 yrs

Best Rate

9.1%

Processing Fee

1.50%

PIRAMAL Home Loan

PIRAMAL Home Loan

4

Max Tenure

nil*

Best Rate

Processing Fee

nil*

Bank of Baroda Home Loan

Bank of Baroda Home Loan

4

Max Tenure

NA

Best Rate

Processing Fee

nil*

Sorry! We couldn't find any offer matching this category.

Top Home Loan Lenders in Kolkata

Kolkata is known as the London of India. It is known for its sprawling gardens and historical colleges. It has produced generations of talented people, such as poets, film producers, novelists, and nobel prize winners. The metropolitan city, which was once the capital of the British Indian empire, is now home to great job opportunities, major infrastructural developments, IT giants, a mushroom of startups, and of course a large number of real estate projects. Kolkata is one of the rapidly growing cities in India in terms of infrastructure development, civic planning, and shift of commerce. So, living in Kolkata is a great option. While leasing out a house will save some expenses in your monthly income, it will also burn a hole in your pockets in terms of the rent. Also, you will have to bear the brunt of shifting frequently from one place to another. So, it will be great to have a permanent roof under which you can live. Also, buying a home or land is always an asset creation, since it could appreciate greatly in value. So, you should start contemplating about looking out for viable purchases of residential property in Kolkata. If you have not saved considerably to buy a home, you can go in for external financing options - home loans. Financial institutions in Kolkata provide home loans at attractive interest rates. Read on to find out more about Home Loans in Kolkata.

Eligibility Criteria for Home Loans in Kolkata

These are some of the mandatory parameters required to qualify for home loans in Kolkata.

CriterionSalariedSelf-employed

Nationality 

Resident Indians, Non-resident Indians, and people with Indian origin

Resident Indians, Non-resident Indians, and persons of Indian origin

Age 

18 - 70

21 - 70 

Work Experience/Business Continuity

A minimum of 2 years 

A minimum of 2 years

Net Minimum Income or Salary

Minimum income should be 25,000

Minimum turnover should be at least 5 Lakhs 

Credit Score 

A credit score of 750 and above 

A credit score of 750 and above

Tips to Improve Home Loan Eligibility

Getting the suitable home loan is a great boon and will relieve you of the financial burden of paying down cash completely and shelling out all your savings. But getting the approval for a home loan can be a daunting task sometimes. Lending institutions will test your financial  veracity - the discipline with which you have made payments in the past, your capacity to repay the loan, etc. They will thus conduct an in-depth check. Here are some guidelines to increase your chances of getting home loan approval.

  • Credit Score: Lending institutions will check your credit score, so make sure that you have your credit report in good condition.
  • Credit History: Lending institutions will  check if you have made payments on time. This will display your financial discipline. You can use an excellent credit score to your advantage and walk away with a loan approval.
  • Clear existing loans: If you have too many loans on your head, it will be a financial burden to you. Your repayment capacity will reduce. So, it is a good idea to clear existing loans.
  • Include a co-applicant with a good credit history, credit score, and good income:Lenders will consider the creditworthiness and income levels of the co-applicant. Thus, you will be improving your odds of approval if these parameters of the co-applicant are good.

Things to Do and Not to Do While Applying for a Home Loan

DosDon’ts

Dos 

Don’ts 

You should analyze your loan eligibility before you apply for a home loan

Do not apply for any unrealistic loan amount 

Research about the property, builder’s reputation, clearances for the project, home loan interest rates, processing charges, repayment schedule, etc.

Do not apply for home loans on multiple websites, as it may decrease your odds of loan approval

Be aware of what documents you need and keep them ready before you start applying

Complete the loan application all at once. Do not do it little by little in intervals

Check your credit score online and try to improve it. Lenders will give you better interest rates and offer you better terms for the loan.

Do not make excessive spends on your credit cards. Keep your credit utilization ratio low. Generally keeping your credit utilization ratio within 30% of your credit limit is advisable. But experts are increasingly recommending 10%.

Do not delay your loan repayments.

These two things will negatively impact your credit score.

Be clear about the type of home loan needed - home extension, home improvement, construction, balance transfer home loan, etc.

Do not take multiple loans before applying for a home loan, since home loans are usually big numbers.

Know how much amount you have to pay, such as processing charges, registration fees, down cash, etc. Make provisions for these.

Take an affordable home loan, since you should not struggle to pay your EMIs later on.

Process of Applying for a Home Loan

  • Fill up the application form.
  • Pay the processing fee.
  • Submit the necessary documents to the lending institution.
  • Verification of documents by the lending institution.
  • The lending institution sends you the sanction letter and you sign a copy of it to show that you have accepted their offer.
  • Property evaluation - legal and technical assessment
  • Loan Disbursal

Some of the Top Home Loan Providers in Kolkata

                                        Interest Rates in percentage per annum

Lending Institution 

Up till 30 Lakhs - 

From 30 Lakhs upto 75 Lakhs 

Above 75 Lakhs

State Bank of India

6.70 to 7.65


6.70 to 7.75

6.70 to 7.85

Axis Bank

6.75-11.50

6.75-11.50

6.75-11.50

Kotak Mahindra Bank

From 6.55 onwards

From 6.55 onwards

From 6.55 onwards

ICICI Bank 

6.70 to 7.55

6.70 to 7.55

6.70 to 7.55

HDFC Bank

6.70-8.45

6.70-8.60

6.70-8.70

Indian Bank

6.50 to 7.70

6.50 to 7.50

6.50 to 7.50

LIC Housing Finance

6.66 to 7.85

6.66 to 8.05

6.66 to 8.05

IDFC First Bank

From 6.90 onwards

From 6.90 onwards

From 6.90 onwards

L&T Housing Finance

6.75 to 7.75

6.75 to 7.75 

6.75 to 7.75

Union Bank of India

6.40-7.60

6.40-7.65 

  6.40-7.65

Punjab National Bank

6.55-7.95

6.50-7.65

6.50-7.60

Bank of Baroda

6.50-8

6.50-8

6.50-8.25

Bajaj Finserv

6.70 to 14

6.70 to 14

6.70 to 14

PNB Housing Finance

6.99 to 12

6.99 to 12 

6.99 to 12

Godrej Housing Finance

From 6.49 onwards

From 6.49 onwards

From 6.49 onwards

Tata Capital

From 6.70 onwards

From 6.70 onwards

From 6.70 onwards

Conclusion

There are many lenders who provide home loans in Kolkata. Research, enquire, analyze, and choose the lender judiciously.

FAQs

1. How long does it take to get a home loan in Kolkata?

It usually takes around 15 to 30 days. But if the documents are not in place and the property is not finalized, then it may take even longer.

2. Floating or fixed rate of interest? Which is the best choice for a home loan?

If you are sure that interest rates will not increase in the future and are comfortable with the existing rates, then you can choose a fixed interest rate. Else, if you feel that the interest rates are unpredictable, go in for a floating interest rate. Floating interest rates are a bit lower than fixed interest rates.

3. Is it possible to get a home loan without a salary slip?

If you are a freelancer, have your own business, are a contractor, or are self-employed in any way, then you can get a home loan without a salary slip. But you will need other documents, such as Form 16, income tax returns, and bank passbook statements.

Kolkata Home Loan - Customer Reviews

5 / 5 (2 Reviews)
11 Dec 2018

Excellent

10 Dec 2018

Good service

×Thank you! Your comment will be reviewed and posted shortly.
Mastercard
Visa
Rupay
SafeKey
thawtr
Corporate Agent (Composite)

CreditMantri Finserv Private Limited

CIN No

U72100TN2012PTC085154

IRDAI Registration Number

CA0665

Valid Till

01-Aug-2025

ADDRESS

CreditMantri Finserve Private Limited Unit No. B2, No 769, Phase-1, Lower Ground Floor, Spencer Plaza, Anna Salai, Chennai - 600002

Copyright © 2024 CreditMantri