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Kolkata is a land of ambitions and opportunities. One day you're organizing your dream wedding, and the other day you're renovating your house, investing in your career, starting a business, or handling an unforeseen medical bill. Opportunities and even emergencies rarely wait for payday in a city that moves at a rapid pace.
What do you do when your financial needs arise before your savings are ready?
That’s why a Personal Loan in Kolkata is a smart financial choice. Getting a personal loan could provide you with the financial support you need when savings aren't adequate. With instant approvals, no collaterals and low interest rates, Home Credit offers you hassle-free Personal Loans in Kolkata of up to ₹4,80,000, so you don’t have to compromise on your long-term goals.
• No Collateral Required: Get a collateral-free loan and no hidden charges
• Instant Approval: Apply online and get instant approval in a few minutes
• Quick Disbursal: Receive the approved loan money directly into your bank account
• Paperless Application Process: Finish the entire application online without submitting physical documents
Before applying for a personal loan, applicants must meet the following eligibility criteria :
• Nationality: Applicant must be an Indian citizen.
• Age: Applicant must be between 21 and 60 years.
• Employment Status: Salaried individuals, self-employed professionals, or pensioners.
• Banking: Applicant must possess an active bank account.
Keep the following digital documents ready for a seamless application:
• Identity Proof: PAN Card
• Address Proof: Aadhaar Card, Voter ID, Driving License, Passport, Government House Allotment Letter, Property Tax Receipt (Any one of these)
The key fees and charges for personal loan is as follows:
|
Particulars |
Details |
|
Processing Fee |
Up to 3.9% of the loan amount |
|
APR (Annual Percentage Rate) |
21% to 39.5% |
|
Late Payment Charges |
Applicable if dues are not paid by the due date (effective 28 March 2024) |
|
Foreclosure Charges |
4% of the outstanding principal amount (may be waived with Safe Pay) |
Charges are applicable based on the number of days past the due date.
|
Days Past Due |
Charges (₹) |
Total Charges (₹) |
|
1 day |
550 |
550 |
|
30 days |
600 |
1,150 |
|
60 days |
650 |
1,800 |
|
90 days |
750 |
2,550 |
|
120 days |
750 |
3,300 |
|
150 days |
750 |
4,050 |
|
180 days |
750 |
4,800 |
All fees and charges are inclusive of applicable taxes, if any.
The key fees and charges for personal loan is as follows:
Step 1: Download the Home Credit app from play store.
Step 2: Complete the application process and get instant online approval for up to ₹4,80,000.
Step 3: Receive the loan amount in your bank account within hours.
You can avail a personal loan of up to ₹4.8 Lakhs depending on your eligibility.
|
Minimum Tenure (months) |
Maximum Tenure (months) |
|
12 |
60 |
Based on their eligibility, customers can choose a suitable repayment tenure and easily estimate their EMIs using the Personal Loan EMI Calculator.
Yes, your Personal Loan can be foreclosed by paying 4% of the outstanding principal amount. However, the foreclosure charges will be waived if you purchased Safe Pay along with your loan.
