Kolkata, West Bengal · 2026

Loans in Kolkata
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Looking for a loan in Kolkata? Compare home construction, renovation, business, working capital, equipment finance and personal loans from RBI-registered NBFCs and verified lenders serving Kolkata, West Bengal. Check interest rates, EMI and eligibility, then apply online in minutes.

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Loan Interest Rates in Kolkata (2026)

Loan TypeInterest RateMax AmountMax Tenure
🏗️ Home Construction LoanFrom 8.5% p.a.₹4 Crore20 years
🔨 Home Renovation LoanFrom 9.5% p.a.₹75 Lakh10 years
⚙️ Equipment Finance LoanFrom 11% p.a.₹1.5 Crore7 years
💼 Working Capital LoanFrom 13% p.a.₹50 Lakh3 years
🏢 Business LoanFrom 10.5% p.a.₹2 Crore5 years
👤 Personal LoanFrom 14% p.a.₹5 Lakh5 years

Rates are indicative for Kolkata and subject to lender approval, CIBIL score and income.

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Loans in Kolkata — FAQs

Which loans can I apply for in Kolkata?
Through Biddaro you can apply in Kolkata for home construction loans, home renovation loans, business loans, working capital loans, equipment finance, and personal loans — from RBI-registered NBFCs and verified lenders serving Kolkata, West Bengal.
What is the lowest interest rate for a loan in Kolkata?
Rates in Kolkata start from around 8.5% p.a. for secured home construction loans and go up to about 14% p.a. for unsecured personal loans, depending on the loan type, your CIBIL score, income, and lender.
How fast can a loan be approved in Kolkata?
Most applications from Kolkata are reviewed within 2–5 business days. Approved loans are typically disbursed within 3–7 business days after documentation is complete.
What documents are required to apply for a loan in Kolkata?
Standard documents include identity proof (Aadhaar/PAN), address proof, income proof (salary slips or ITR/bank statements), and — for secured loans — property or asset papers. Exact requirements vary by loan type and lender.
Do I need collateral for a loan in Kolkata?
Personal loans and many business/working-capital loans in Kolkata are unsecured (no collateral). Home construction, renovation and equipment loans are typically secured against the property or asset being financed.
How do I apply for a loan online in Kolkata?
Pick your loan type on this page, tap Apply, and complete a short 3-minute form. After a ₹100/month subscription, a Kolkata loan advisor contacts you within 1–2 business days to match you with the right lender.

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