What Documents are Required for a Personal Loan in Kolkata?
Last Updated : March 30, 2020, 2:17 p.m.
A Kolkatan wanting to meet your instant needs with a personal loan? We would like to tell you about one important aspect regarding the same. When you opt for a personal loan in Kolkata or any other city of India, lenders ask you to submit a fixed set of documents. These documents are pretty important when it comes to getting the loan. We will tell you about the set of documents required for a personal loan in Kolkata.
It is important to not miss a single document from this fixed set of required documents as lenders may reject your application. Both salaried and self-employed can take personal loans in Kolkata. But the documents will vary for both of them. You can check them out below.
Documents Required for Salaried Employees to get a Personal Loan in Kolkata
The required documents are mentioned below.
- Passport Size Photographs
- Proof of Identity – Aadhar Card/ PAN Card/ Driving Licence
- Proof of Address – Passport/ Voter ID Card/ Ration Card/ Electricity Bill/ Telephone Bill
- Latest 3 Months Bank Statement ( To check the Credited Salary)
- Salary Slips of the last 3 months
Documents Required for Self-employed Individuals to get a Personal Loan in Kolkata
You can check the required documents for self-employed applicants below.
- Proof of Identity – Driving Licence/ PAN Card/ Aadhar Card
- Address Proof – Voter ID Card/ Ration Card/ Telephone Bill/ Passport
- Income Proof ( ITR for the last two years)
- Bank Statement of the last 6 months
- Address Proof of the Office
- Proof of Business Continuity
- Proof Of Office Ownership
- Passport Size Photographs
Top Banks Offering Personal Loans in Kolkata
Kolkata is known as the City of Joy, situated in the heart of West Bengal. So you don’t need to worry if you want to take a personal loan as there are so many banks and financial institutions that provide the same here. We will tell you about some of the top lenders offering personal loans in Kolkata.
State Bank of India (SBI)
SBI, the largest bank in India, has a substantial presence in the city of Kolkata. With a total of 310 branches in Kolkata alone, SBI provides personal loan at affordable interest rates ranging from 11.45% to 14.60% per annum. You can also choose the repayment period from 1 to a maximum of 5 years. You can choose any loan amount according to your repayment capability and monthly income.
SBI has a total of 310 branches in Kolkata.
SBI Kolkata Head Office Address –
BLOCK B, 8TH Floor, SAMRIDDHI BHAVAN, 1, Strand Rd, Kolkata, West Bengal 700001
ICICI Bank
ICICI bank personal loan is also one of the most popular loan options in Kolkata. Available at competitive interest rates ranging from 10.99% to 18.49% per annum, individuals can trust on the ICICI personal loan to meet their financial needs. It can be availed by both salaried and self-employed individuals with minimal documentation. You can have a look at the total number of branches in Kolkata from where you can apply for a personal loan below.
There are a total of 114 ICICI Bank Branches in Kolkata.
Head Office Address
3, Gurusaday Dutta Rd, Rowland Row, Ballygunge, Kolkata, West Bengal 700019
HDFC Bank
When it comes to the top private banks in India, HDFC Bank tops the list. Regarded as the biggest private lender, it provides a personal loan facility to individuals at interest rates ranging from 10.75% to 21.45% for a period of 1 to 5 years. Anyone who wants to opt for an HDFC personal loan in Kolkata must have a minimum monthly income of INR 20,000. Otherwise, he/she would not be able to get a personal loan. Kolkata is regarded as the Metro City, that’s why the income criteria is a bit higher.
HDFC Bank has a total of 125 branches in different parts of Kolkata.
Head Office Address
P 34, Shah House, India Exchange Place, Dalhousie, Kolkata, West Bengal 700001
Punjab National Bank
With the interest rates ranging from 9.95% to 13.50% per annum, Punjab National Bank is certainly one of the top banks in our country. You can opt for a loan amount upto INR 5 lakhs according to your repayment capability and monthly income for a maximum period of 5 years. Also, the applicants who want to get a PNB personal loan in Kolkata must have a minimum monthly income of INR 15,000 to be eligible for this loan.
Punjab National Bank has a total of 1 branch in Kolkata.
Head Office Address
18A, Brabourne Rd, Chitpur, B.B.D. Bagh, Kolkata, West Bengal 700001
Axis Bank
If you want to avail of an Axis Bank Personal loan in Kolkata, then it would be a suitable choice for you because of the seamless service and interest rates ranging from 12% to 24% per annum. You can easily fulfill your any of the needs with the loan amount ranging upto a maximum of INR 15 lakhs. Also, there are absolutely zero prepayment charges.
Axis Bank has a total of 92 branches spread across Kolkata.
Head Office Address
Air Conditioned Market, No 1, 3rd Floor, Shakespeare Sarani Rd, Kolkata, West Bengal 700071
Kotak Mahindra Bank
Kotak Mahindra could also be the best choice for you with the affordable interest rates and flexible tenure. The interest rates range from 10.99% to 20.99% per annum and the minimum EMI amount can be as low as INR 2,174 on the Kotak personal loan facility you will get. You can choose the repayment period of a maximum of 5 years according to your repayment capability. In a city like Kolkata, the bank can ask you to have a minimum monthly income of INR 20,000.
Kotak Mahindra has a total of 33 branches across different parts of Kolkata.
Head Office Address
Apeejay House, 15, Park St, Taltala, Kolkata, West Bengal 700016
Bajaj Finserv
With the Bajaj Finserv personal loan facility from Bajaj Finserv in Kolkata, you can get the loan amount upto INR 25 lakhs in just 3 minutes subject to your eligibility. You will get the loan amount in your account within 24 hours after the document verification. The minimum monthly income must be INR 30,000 in order to apply for a Bajaj Finserv personal loan in Kolkata. Apart from this, you will need to submit a few documents such as ID Proof, Address Proof and salary slips of the last 3 months.
Head Office Address
Bajaj Finserv
12th Floor, ‘Infinity Benchmark’,
Plot G-1 & EP & GP,
Sector 5, Salt Lake
Kolkata, West Bengal
700091
Phone: 1800 209 4151
IndusInd Bank
With the interest rates ranging from 10.99% to 16% per annum, an IndusInd personal loan in Kolkata could be the one you want. You can get a loan upto INR 15 lakh. The repayment period can be a maximum of 5 years and you can choose according to your income and repayment capability. You must meet the monthly income eligibility criteria before applying for a loan. Opt for this personal loan scheme, if you want to have a seamless and quick loan disbursal experience.
You can choose from any of the 31 bank branches of IndusInd in Kolkata.
Head Office Address
44, 6th Floor, Saket Towers, Park Street, Kolkata – 700016