Personal Loan in Kolkata: 3 Mins Approval & upto 45%* Lesser EMI

Bajaj Finserv in your city

The capital city of West Bengal, Kolkata, is a primary centre for financial, business and commercial activities in eastern India. Several tourist attractions make this city a prominent destination among domestic and foreign visitors.

Opt for a personal loan in Kolkata and fulfil all your dreams with adequate financing from Bajaj Finserv. Get the loan instantly and repay it over flexible tenors. Walk into a branch near you or apply online to get the funds you need.

Repay easily over flexible tenors

Use a personal loan EMI calculator to choose a suitable repayment tenor of up to 96 months.
100% transparent policy

There are no hidden charges. Read our transparent terms and conditions.
Avail up to Rs. 55 lakh

Bajaj Finserv sanctions up to Rs. 55 lakh so that your diverse financing needs are covered.
Money within 24 hours*

Once approved, the loan amount gets credited to your account within 24 hours*.
Account management online

Access your online account 24x7 through our customer portal and track repayments easily.
Basic documentation

The few documents needed for a personal loan allows faster and hassle-free processing.
Instant approval

No more long queues. Fill up the online application form for approval in minutes.
Flexi loan facility

Enjoy added repayment flexibility and lower EMIs by up to 45%* with the Flexi loan facility.

With its rich architectural and historical significance, Kolkata is the ‘Cultural Capital of India’. Some of its noteworthy institutions are the National Library of India, Victoria Memorial, Academy of Fine Arts, Asiatic Society and Indian Museum. There are a host of scientific institutions too. The Port of Kolkata is the oldest and the only riverine port in the country. Other economic contributors include IT, hospitality, retail, real estate and other sectors.

Bajaj Finserv offers high-amount personal loans in Kolkata. Eligible borrowers can seek up to Rs. 55 lakh at attractive interest rates. You can apply online and get the fastest loans effortlessly.

*Conditions apply

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Type of fee	Applicable charges
Rate of interest	10% to 32% p.a.
Processing fees	Up to 3.93% of the loan amount (inclusive of applicable taxes).
Flexi Fee	Term Loan – Not applicable Flexi variant - A fee will be deducted upfront from the loan amount (as applicable below) Up to Rs. 1,999/- for loan amount less than Rs. 2,00,000 Up to Rs. 3,999/- for loan amount from Rs. 2,00,000 to Rs. 3,99,999 Up to Rs. 5,999/- for loan amount from Rs. 4,00,000 to Rs. 5,99,999 Up to Rs. 7,999/- for loan amount from Rs. 6,00,000 to Rs. 9,99,999 Up to Rs. 8,999/- for loan amount from Rs. 10,00,000 to Rs. 14,99,999 Up to Rs. 9,999/- for loan amount from Rs. 15,00,000 to Rs. 19,99,999 Up to Rs. 10,999/- for loan amount from Rs. 20,00,000 to Rs. 24,99,999 Up to Rs. 11,999/- for loan amount from Rs. 25,00,000 to Rs. 29,99,999 Up to Rs. 12,999/- for loan amount of Rs. 30,00,000 and above All the Flexi charges above are inclusive of applicable taxes Loan amount includes approved loan amount, insurance premium, and VAS charges.
Bounce charges	Rs. 700 - Rs. 1,200 per bounce. “Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason
Pre-payment charges	Full Prepayment Term Loan: Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of full prepayment. Flexi Term Loan (Flexi Dropline): Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment. Flexi Hybrid Loan: Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as of the date of full prepayment. Part-prepayment Term Loan: Up to 4.72% (inclusive of applicable taxes) of the principal amount of the loan prepaid on the date of such part-prepayment. Not Applicable for Flexi Term Loan (Flexi Dropline) and Flexi Hybrid. *Foreclosure will be processed post clearance of first EMI
Penal charge	Delay in payment of instalment(s) shall attract Penal Charge of Rs. 8 - Rs. 12 per day per instalment from the respective due date until the date of receipt of the full instalment(s) amount.
Stamp duty (as per respective state)	Payable as per state laws and deducted upfront from loan amount.
Annual maintenance charges	Term Loan: Not applicable Flexi Term Loan (Flexi Dropline): Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount (as per the repayment schedule) on the date of levy of such charges. Flexi Hybrid Loan: Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount during the initial tenure. Up to 0.295% (inclusive of applicable taxes) of total withdrawable amount during subsequent tenure.
Broken period interest / Pre-monthly Instalment interest	Broken Period Interest/Pre-monthly instalment Interest" shall mean the amount of interest on loan for the number of day(s) which is (are): Scenario 1: Over and above the period of 30 (thirty) days from the date of disbursement of the loan. Method of recovery of Broken Period Interest/pre-monthly instalment interest: For Term Loan: Deduct from disbursement or added in first EMI, as applicable. For Flexi Term Loan: Added to first instalment amount. For Hybrid Flexi Loan: Added to first instalment amount. Scenario 2: Less than period of 30 (thirty) days from the date of disbursement of the loan, interest on first instalment will be charged for actual number of days.
Switch fee	Up to 0.0118 of the loan amount (inclusive of applicable taxes). Switch fee is applicable only in case of switch of loan. In switch cases, processing fees will not be applicable.
Cash collection handling charges	Rs. 177 (inclusive of applicable taxes) will be charged if customer opts to make payment in cash when the collection is done by the collection agents. This fee is charged only once per month, regardless of the number of payments made against multiple LANs.
Cash deposit charges	Customers will incur a cash deposition charge of Rs. 50 (inclusive of applicable taxes) when making cash payments at our branch offices.
Platform Fees	Rs. 11 (inclusive of applicable taxes) will be charged for utilizing the payment gateway to make part or full payments towards the loan through digital properties.

Note: Additional cess if any, will be applicable to all charges according to state law.

*Terms and conditions apply.

For Micro Finance Loans, please note below:
Purchase of any non-credit product by the microfinance borrowers is purely on a voluntary basis. Minimum interest, maximum interest, and average interest are 0.13, 0.38, and 40.00% per annum respectively. Part-prepayment and foreclosure charges are NIL. {Average interest rate is higher than max interest rate, because maximum interest rates was reduced effective 02 May 2024 however average interest rate is computed on a volume weighted basis for last quarter (Apr'24 - Jun'24)}

Frequently asked questions

Depending on the usage of your loan, you can avail of tax benefits on a personal loan.

EMIs largely depend on the loan amount you avail of and your chosen repayment tenor. If the tenor is long, the EMIs will be smaller. If you choose a shorter tenor, the EMIs will increase. Check the EMIs payable on your personal loan with the Bajaj Finserv online EMI Calculator.

Your CIBIL score depends on your credibility as a borrower. If you repay the loan on time, your score is bound to increase and vice versa.

You can choose a personal loan whenever there is a monetary crisis, a financial emergency or a planned need for additional funding. However, make sure to apply only when you fulfil the eligibility criteria.