Personal Loan in

Personal Loans ranging from R.25,000 to Rs.50 lacs with a tenure starting from 6 months.

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*Product Terms may differ based on your Eligibility.

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Personal Loans in Kolkata

Personal loans in Kolkata are provided by a lot of financial institutes and NBFCs at low interest rates. A personal loan does not carry the risk of losing the asset provided as collateral at the time of repayment failure as it is a type of unsecured loan. The loan amount ranges from Rs 25,000 to 50,00,000 with a tenure period of one to five years. Personal loans in Kolkata are best suited for times of contingencies as the money is transferred to your bank account instantly after the loan approval. Also, minimal documentation and processing time is taken for the loan approval process which is a huge bonus. Personal loans come with the added benefit of giving you the flexibility of repayment.

A personal loan can be used for varied 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.

Kolkata is known as the major commercial and military port of India. It is the cultural, educational and intellectual capital of East India. The city has seen growth in the Information Technology and Real Estate sector. There are hefty investments being made in these sectors. A lot of financial institutions and banks lend money to small businessmen and artisans for their business to grow and flourish.

For obtaining a personal loan with ease, certain requirements such as a decent credit history, adequate monthly salary and minimum age are important factors. After you apply for a personal loan, your credit report containing your credit history and your final credit score is reviewed by the lender. Thus, if you have a good credit history, lenders would give you a personal loan at low-interest rates and vice versa.

It is best to carry out detailed research and gather relevant information before taking a personal loan. The interest rates, processing fees, flexibility of tenure and pre-payment charges should be compared and the best option should be chosen. Many people fall into the trap of borrowing from private lenders who charge a high rate of interest. At times, the interest rates can go as high as 30%. It is advisable to turn to online lending platforms as the loans are provided at lower interest rates at these platforms. To get the best deal without going through a lot of trouble, online lending platforms such as is a good option. Applying for a personal loan online is convenient as most of the work is done by the online platform. When you apply online, your application is sent to banks and NBFCs according to your profile who make a lending decision after reviewing your application. Online platforms like IndiaLends operate without charging any extra fees or attached hidden costs.

Personal Loan: An Overview

Personal Loans are unsecured loans which are offered by financial institutions for a borrower's personal use.

  • bank logo

    11.49%-20% Per Annum

    12 to 60 Months

    Up to 2.5% of the loan amount Maximum 25,000 to Minimum 1,000

  • IDFC

    11.49%-20% Per Annum

    12 to 60 Months

    Up to 2.5% of the loan amount Maximum 25,000 to Minimum 1,000

  • bank logo

    11.49%-20% Per Annum

    12 to 60 Months

    Up to 2.5% of the loan amount Maximum 25,000 to Minimum 1,000

  • bank logo

    11.49%-20% Per Annum

    12 to 60 Months

    Up to 2.5% of the loan amount Maximum 25,000 to Minimum 1,000

* The figures in the table are indicative subject to change with time.

How it Works

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.




Apply online in less than 2 minutes


Quick Verification


We will review your application and give you a decision within minutes


Loan Disbursal

receive loan

Receive the loan amount within two days.

Basic Eligibility Criteria

  • eligibility

    Good Credit Score

  • eligibility

    Above 21 years of Age

  • eligibility

    Salaried professional

  • eligibility

    Resident of India

  • eligibility

    Valid Bank Account

  • eligibility

    PAN Card and Voter ID Card/Driving License

  • eligibility

    Bank Statements for the last three months

  • eligibility

    Salary Slip for last three months

Find out your customized interest rate for a Personal Loan in Kolkata

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.


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

    • user
    • Neelam Sharma

      IndiaLends 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.


    • user
    • Saniya Fatima

      My 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.


    • user
    • Kamal Baluni

      Through 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.


    • user
    • Asiya Afzal

      The 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!


Frequently Ask Questions

Q. How much can I borrow and for how long?

A. You can get personal loans starting from Rs. 25,000 up to Rs.50 Lacs for 1 to 5 years.

Q. Can I repay my loan early?

A. Yes, you can pre-pay your loan as and when you want.

Q. How does Indialends assess my credit worthiness and how long does this take?

A. Each consumer wishing to borrow on the Indialends portal will need to go through a rigorous verification and credit assessment process. The assessment is based on information collected from various data sources like the application form, credit bureaus, bank statements, pay slips, verification reports, social media, etc. The above process is automated and happens within seconds. Hence, you can get an approval shortly after you submit your application.

Q. Why was my application rejected?

A. The reason your application was rejected was because your credit profile did not match the criteria stipulated in the Indialends policy at the time. However, Indialends might be able to approve your application at a later date, if by then your credit file has improved or there have been changes in the Indialends credit policy.

Q. What is my repayment schedule?

A. Repayment of the loan will happen monthly on an EMI (equated monthly installment) basis where the amount will be calculated based on amortizing balance. One or two of the installments might be different which will depend on the timing of the loan.

Q. What happens in the case of a missed payment or non-payment by a borrower?

A. If the monthly payment for a borrower is delayed for any reason, a penalty fee and penal interest might be charged to the borrower. The borrower’s credit file will also get impacted which will restrict him / her to get credit in the future. Legal action may also be taken against the borrower.

Q. What information is shared with the lenders browsing through the profiles?

A. Lenders will have the ability to view detailed profiles of the borrowers, information like financial information, employment information, etc. The personal information of the borrower remains protected as per our privacy policy.

Q. How do I alter my loan request?

A. Loan requests can only be cancelled prior to loan disbursal. In case you want to make any changes to your request please reach out to The support team will help you in making the modifications.

Q. How can I make monthly payments?

A. You can pay your EMIs using electronic transfer of funds, ECS.

Q. How will you disburse the loan amount?

A. Soon after the loan is approved, the funds will be transferred right into your bank account.