HDFC Bank Home Loan in Kolkata

About HDFC Bank Home Loan in Kolkata

Living in Kolkata and experiencing the feeling can’t be expressed in words. After all, Kolkata is the city of Joy and has a charm of its own. It is one of the most important cities of eastern India and many people wish to live here. HDFC bank gives a solution to the people of the city in the form of a home loan. The product is very much in demand because it can fulfill the dream of many people who wish to buy a home. The bank has opened over 80 branches in the former capital of India.

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HDFC Bank Home Loan Kolkata at a glance

The important details about a home loan offered by HDFC bank in the city have been given below.

ParticularDetails
Interest rate8.80% - 9.70%
Loan amount₹ 75 Lakhs and above in selected cases
TenureUp to 30 years
Processing feeUp to 1.50 % of the amount sanctioned plus the service taxes
Pre-payment chargeNo prepayment is allowed for the starting six months
6 months- 5 years: 1.5% of the original amount
5- 10 years- 0.75% of the original amount
After 10 years- no closure fee as such

Eligibility criteria for HDFC Bank Home Loan Kolkata

The norms of eligibility for a personal loan offered by HDFC bank have been given below. An applicant has to ensure that he/she is able to meet the given criteria.

  • The bank decides the eligibility of the applicant from certain factors like Income, Educational qualifications, Age, CIBIL score, Income of the spouse, Number of dependents, Stability of employment, Saving history and Business, Liability & Assets.
  • The applicant should fall into the age group of 18 to 60 years.
  • Salaried employees need to be working with their current company for a period of at least one year.
  • In case of businessmen, the business should be stable for a minimum of three years.

Documents required for HDFC Bank Home Loan Kolkata

The list of all the essential documents required to avail a home loan from HDFC bank has been mentioned below. Do check them out.

Salaried employee

  • Fully filled application form along with photographs of passport size
  • Proof of Identity- Passport/PAN card/Voter ID card/Aadhar card/Driving license
  • Proof of Address- PAN card/Passport/Electricity bill/Telephone bill/Rent agreement
  • Processing fee cheque
  • Bank statement of the past six months
  • Proof of Income- Form 16 and latest salary slip
  • Other property related documents- Buyer agreement/Allotment letter copy and a receipt of payment made to the developer

Self-employed (businessmen and professionals)

  • Fully filled application form along with photographs of passport size
  • Proof of Address- PAN card/Passport/Electricity bill/Telephone bill/Rent agreement
  • Proof of Identity- Passport/PAN card/Voter ID card/Aadhar card/Driving license
  • Processing fee cheque
  • Proof of Income- Income Tax returns of the previous three years and Audited Balance Sheet & Profit and Loss account statement of the past three financial years
  • Proof of Business
  • Educational qualification certificates (For professionals)
  • Business profile
  • Other property related documents- Buyer agreement/Allotment letter copy and a receipt of payment made to the developer
  • Bank statement of the past six months

Agriculturists

  • Fully filled application form along with photographs of passport size
  • Proof of Identity- Passport/PAN card/Voter ID card/Aadhar card/Driving license
  • Proof of Address- PAN card/Passport/Electricity bill/Telephone bill/Rent agreement
  • Processing fee cheque
  • Copies of the Title documents of the agricultural land which can depict land holding
  • Statement of the loans availed in the past two years
  • Other property related documents-
  • Bank statement of the past six months
  • Copies of the Title documents of the agricultural land which can show that crops are being cultivated

For more details, you can have a look at Home Loan Kolkata.

Address of HDFC bank branches in Kolkata

The complete list of HDFC bank branches in the city has been given below with the address, contact details and IFSC & MICR codes.

BranchAddressIFSCMICRContact details
Stephen House 4C,BBD Bag East, Dalhousie, Lal Dighi, BBD Bagh, Kolkata, West Bengal 700001HDFC00000087002400029831073333
Central Plaza2/6, sarat bose road, 2/6, sarat bose road, Central plaza, Kolkata - 700020, West BengalHDFC00000147002400039831073333
Salt Lake Bb - 22, , Sector 1, Salt lake city, Kolkata - 700064, West BengalHDFC00000187002400049831073333
Gol Park132/a southern avenue,Dr.meghnad saha sarani, Gol park, dhakuria, Kolkata - 700029, West BengalHDFC00000227002400059831073333
MadhyamgramChowmatha,, Sodpur Barasat Road, Madhyamgram, Kolkata, West Bengal 700129HDFC00000237002400069831073333
RaghunathpurDhariwal house, on vip road, Raghunathpur, 24 parganas(north), Kolkata - 700059, West BengalHDFC00000287002400079831073333
New Alipore174A, Ground floor, New alipore, Block - G, Kolkata - 700053, West BengalHDFC00000407002400089831073333
U.N. Brahmachari StreetConstantia building 11, Dr. U.N. Brahmachari street, Kolkata - 700017, West BengalHDFC00001057002400099831073333
Dum Dum63/2, Dr. S P Mukherjee road, Dum Dum cantonment, Kolkata - 700028, West BengalHDFC00001067002400109831073333
Shyam Bazar55/1, , Bhupendra bose avenue, Near shyambazar metro station, Kolkata - 700004, West BengalHDFC00001747002400119831073333
Howrah493/C/A, G.T. Road (south), Howrah - 711102, West BengalHDFC00002087002400129831073333
BurrabazarShree Arcade, 1st Floor, 2, Jogendra Kaviraj Row, Kolkata, West Bengal 700007HDFC00002197002400139831073333

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Home Loan Interest Rates October 2018
State Bank of India/SBI8.70% - 9.25%
HDFC8.80% - 9.60%
Bank of Baroda8.55% - 9.55%
LIC Housing8.70% - 9.05%
PNB Housing Finance9.00% - 13.00%
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Axis Bank8.80% - 9.05%
Citibank8.90% - 9.65%
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Kotak Bank8.75%
DHFL9.05% - 9.95%
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