Oriental Bank of Commerce Home Loan in Kolkata

About Oriental Bank of Commerce Home Loan in Kolkata

Kolkata, the capital city of West Bengal, is known for a rich vein of sweets and dishes that amaze the locals and outsiders. The joyous city has a lot of monuments like Victoria Memorial, Howrah Bridge and others to keep everyone here intrigued. Since it is a metropolitan city, the property rates here are much higher than the ones quoted in the smaller cities. This makes it difficult for many to buy a home in Kolkata. However, with Oriental Bank of Commerce Home Loan, it is possible you can step in your dream house without having to burn your finger on massive repayment as the interest rates are affordable. The bank has a substantial branch base in Kolkata, seeing the accumulation of the masses in the city.

Oriental Bank of Commerce Home Loan Kolkata at a Glance

Interest Rate8.60% - 9.95%
Loan AmountDepends upon your income, saving and repayment capability
Loan TenureUpto 30 years, including the 18-month moratorium period subject to the dwelling unit’s age
Processing Fee0.50% of the loan amount plus service tax as applicable.
Prepayment ChargesNIL

Oriental Bank of Commerce Home Loan Eligibility Criteria in Kolkata

Want to apply for a home loan at OBC in Kolkata? First check eligibility now from the below pointers that come your way before applying for the loan, as it has to be met for getting a loan from the public lender.

  • Both salaried and self-employed can make their home loan application.
  • The minimum age a borrower has to attain at the time of filing in the application is 18 years.
  • When the proposed loan tenure is set to be over, the age of the borrower should not be more than 60-70 years.
  • Borrowers as well as co-borrowers are required to have a regular and assured flow of income.

Documents Checklist to Avail Oriental Bank of Commerce Home Loan in Kolkata

A key element to your dream home journey lies with the successful submission of the documents, which the bank seeks to approval the loan in Kolkata.

  • Loan Application Form
  • Identity Proof-PAN Card/Aadhaar Card/Driving License/Voter ID/Passport
  • Residence Proof-Passport/Aadhaar Card/Utility Bill/Voter ID
  • Income Proof-Last 3-6 Month Salary Slip, Last 6-month bank statement, Latest Form 16 & ITR (For Salaried), Last 2-3 years Profit & Loss Account Statement and Audited Balance Sheet (For Self-employed)
  • Passport Size Photographs of applicants and co-applicants
  • Property Documents-Buyer Agreement Copy/Allotment Letter, Receipt of Payment made to Property Developers

For more, check out in Home Loan Kolkata

Oriental Bank of Commerce Home Loan Kolkata Branches

Branch NameComplete AddressIFSCMICRContact Detail
Dunlop Bridge141 BT. Road, 1st Floor, Dunlop Bridge, Kolkata, West Bengal-700035ORBC0100818700022021033-25770658, 2578147
SSI-Kolkata43, Rashbehari Aveneue, Kolkata, West Bengal-700026ORBC0100880700022022033-24633797
Tollyganj119, Ground Floor, Tollyganj, Kolkata West Bengal-700040ORBC0100904700022023033-24811563
Kankurgachi 190A, Manictola Main, Road, Kolkata, Kankurgachi West Bengal-700056ORBC0100905700022024033-23649259
Sakher Bazar81, K K Roychowdhury, Road, Kolkata, West Bengal-700008ORBC0100938700022025033-24454846
Lake Gardens 188/20, Prince Anwar Shah Road, Kolkata, West Bengal-700045ORBC0101016700022026
Chowringhee Road6, Floor OM Tower, Building, Chowringhee Road, Kolkata, West Bengal-700071ORBC0101049700022027033-22262220
R N Mukherjee Road11, R N Mukherjee Road, Nilhat House, Kolkata, West Bengal-700001ORBC0101101700022028033-22108808
Behala30, Diamond Harbour Road, Ajanta Cinema, Behala, West BengalORBC0101121700022029033-24575831
Salt LakeDD-II, Sector-1, Salt Lake, Kolkata, West Bengal-700061ORBC0101170700022033033-23592709
RajarhatNatural Nest Megacity, Road-Beside Charnak Hospital, Kolkata, West Bengal-700157ORBC0101235700022034033-25736414
Garia 290, Garia Station Road, Fartabad More, Kolkata, West Bengal-700084ORBC0101241700022036033-24627379
BaruipurKulpi Road, Ward No 12, District 24 Parganas(S), Kolkata, West Bengal-700144ORBC0101242700022037033-24230338

  • Home Loan Interest Rates February 2024
    Axis Bank8.75% - 9.15%
    Bank of Baroda8.50% - 10.60%
    Citibank8.75% - 9.15%
    HDFC8.50% - 9.40%
    ICICI Bank9.00% - 9.85%
    Indiabulls Housing Finance Limited8.65%
    Kotak Bank8.70%
    LIC Housing8.50% - 10.50%
    Piramal Capital & Housing Finance10.50%
    PNB Housing Finance8.50% - 10.95%
    Reliance Home Finance8.75% - 14.00%
    State Bank of India/SBI9.10% - 9.65%
    Tata Capital8.95% - 12.00%