Can I get a personal loan in Kolkata without documents?

The documentation requirements for a personal loan in Kolkata can vary from lender to lender. Below are the documents that are required to be submitted when applying for a Bajaj Finance Personal Loan: KYC documents: Aadhaar/ passport/ voter’s ID/ driving license/ Letter of National Population Register PAN card Employee ID card Salary slips of the last 3 months Bank account statements of the previous 3 months

Apply for Instant Personal Loan in Kolkata - Low Interest Rate

Bajaj Finserv in Kolkata

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 and fulfil all your dreams with adequate financing from Bajaj Finserv, one of the best personal loan providers in Kolkata. 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. 40 lakh

Bajaj Finserv sanctions up to Rs. 40 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. 40 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	11% to 38% 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	In case of default of repayment instrument, Rs. 700 - Rs. 1,200 per bounce will be levied.
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 a penal charge of up to 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.
Mandate rejection charges	Rs. 450 per month from the first month of the due date for the mandate rejected by customer’s bank until the registration of new mandate.
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) charged in two scenarios: Scenario 1 - Over and above the period of 30 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 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 1.18% 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.

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 13%, 38%, and 35.71% per annum respectively. Part pre-payment and Foreclosure charges are NIL.

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.

The documentation requirements for a personal loan in Kolkata can vary from lender to lender. Below are the documents that are required to be submitted when applying for a Bajaj Finance Personal Loan:

KYC documents: Aadhaar/ passport/ voter’s ID/ driving license/ Letter of National Population Register
PAN card
Employee ID card
Salary slips of the last 3 months
Bank account statements of the previous 3 months