Home Loan in Kolkata

Highlights on Home Loan in Kolkata

Before diving into more detailed information, here is a quick highlight of home loans in Kolkata with information like interest rates and processing fees.

Home Loan Highlights

Interest Rates 6.90% to 11.50%
Processing Fee Depends on bank
Maximum Loan Amount Upto Rs. 5 Crore
Maximum Tenure Up to 30 years

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Best Home Loan Offers in Kolkata - May 2024

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DHFL Home Loan in Kolkata starting at.


Union Bank of India Home Loan in Kolkata starting at.

9.5% - 14.8%

YES Bank Home Loan in Kolkata starting at.

9.4% - 10.25%

IndiaBulls Home Loan in Kolkata starting at.

8.99% - 9.75%

ICICI Bank Home Loan in Kolkata starting at.

8.85% - 9.1%

Axis Bank Home Loan in Kolkata starting at.

8.7% - 13.3%

Canara Bank Home Loan in Kolkata starting at.

8.5% - 11.25%

IndusInd Bank Home Loan in Kolkata starting at.

8.5% - 10.57%

Bank of Maharashtra Home Loan in Kolkata starting at.


Bank of Baroda Home Loan in Kolkata starting at.

8.4% - 10.6%

State Bank of India Home Loan in Kolkata starting at.

8.4% - 10.15%

Punjab National Bank Home Loan in Kolkata starting at.

8.4% - 10.25%

Indian bank Home Loan in Kolkata starting at.

8.4% - 9.9%

HDFC Bank Home Loan in Kolkata starting at.

8.35% - 9.4%

Bank of India Home Loan in Kolkata starting at.


CITI Bank Home Loan in Kolkata starting at.


Housing Loan Eligibility Criteria in Kolkata 

The eligibility criteria for a home loan in Kolkata depend on various factors depending on the lender’s policy. Below are the eligibility criteria to help you search for a better home loan in Kolkata.

Eligibility Criteria For Salaried For Self-Employed
Nationality Resident Indian Resident Indian
Age 23 to 75 years 25 to 70 years
Work experience/business continuity 3 years or more 5 years or more
Income Employed with a stable source of income Showcase of stable revenue from your existing profession or business

Home Loan EMI Calculator

  • 5 Lac
  • 20 Cr
  • 5
  • 30
  • 6
  • 20

Monthly Loan EMI

Payment Breakdown:

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Interest Payable

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Home Loan in Kolkata - An Overview 

In the vibrant and culturally rich city of Kolkata, the pursuit of a place to call home is a journey that resonates deeply with its residents. Whether you are a Kolkata native, drawn by the city's deep-rooted heritage and bustling charm, or a newcomer captivated by its unique blend of tradition and modernity, the dream of owning a home here is a shared aspiration. However, in a real estate landscape where property prices continually ascend, the key to unlocking the doors of your dream home lies in securing the right home loan.

As we embark on this insightful exploration of Home Loans in Kolkata, we invite you to join us on this fascinating quest. Together, we will uncover the financial avenues that will bring you not just a step but a leap closer to the place you will proudly call "home" in this enchanting city, where every corner is imbued with history, culture, and the promise of a bright future.

Get a Housing Loan in Kolkata with Fast Disbursement

Everyone wants their loan to get disbursed in a minimum time frame. If you, too, desire a quick disbursement of your home loan, these tips might help you. You can visit the Urban Money website to apply for a desired home loan and follow the instructions mentioned below:

  • Visit the Urban Money website on a desktop or smartphone.
  • Choose the home loan option between different loan categories.
  • The next step is to provide the required information about yourself to proceed further with the application.
  • Now, to provide all document-related information that the website will ask for, follow the instructions on the web page.
  • After all the online proceedings, a representative will contact you with further instructions.

Here are some additional tips for you to better your chances for a quick disbursement of your home loan in Kolkata:

  • Provide Accurate Documents: Providing accurate information to the lenders will gradually reduce the time of verification. Hence, give you your desired home loan in Kolkata with quick disbursement.
  • Maintain a higher credit score: Maintaining an impressive credit score will boost the verification process in your favour, resulting in minimum waiting for home loans in Kolkata.
  • Apply Online: The online application process saves the time of bank visits and the physical documentation process in a more secure manner.

Documents Required for Home Loan in Kolkata 

Applying for a home loan can be a tricky process as it requires the applicant to provide related documents to the lender for verification. These documents are mentioned below:

  • A well-filled application form for a home loan.
  • The PAN card of the applicant
  • For ID Proof: Aadhar card/voter ID/Driving License/other acceptable proofs
  • For Address Proof: Utility bills/ Driving license/ Aadhar card/Rent Agreement/ Gas Connection Bill.
  • For Employment Proof: Employee ID/ Employment agreement/ Balance sheet and P&L account for last 2-3 years
  • For Income Proof: Salary slips/ Bank statements/ ITR filings
  • 2-3 Passport size photographs of the applicant
  • Documents related to the property
  • Documents required for disclosure of assets and liabilities

Home Loans in Kolkata - Conclusion

In a city like Kolkata, owning a house can do wonders for a person both financially and for residential purposes. Kolkata provides great investment opportunities for the future in the form of house investments. If you are looking to buy a beautiful house in Kolkata, you can apply through the above-mentioned link to proceed. Choose the best home loan for you with the best interest rates and other charges so that you can easily take a step closer to your dream home. It's time for you to check your eligibility and prepare the required documents, and with the help of the best home loans in Kolkata, your dream home may be barely days away.

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People Also Asked About Home Loan in Kolkata

What is the process to transfer a home loan in Kolkata?

You can transfer your home loan to Kolkata by following the steps, including application to the current lender to get an NOC, getting confirmation from the lender after submitting the documents and at last, paying all the fees involved.

Is it good to buy a house in Kolkata with a home loan?

Buying a house with a home loan is definitely a good idea.

Which bank is the best for home loans in Kolkata?

You can refer to the above-mentioned information to select the best bank that suits you for your home loan.

Where can I get a home loan in Kolkata?

You can visit the Urban Money website to apply for a Home Loan in Kolkata.

Urban Money