Bajaj Finserv in your city

Kolkata serves as an important centre of financial, commercial and business activities in Eastern India. The capital city of West Bengal holds rich historical significance and is, hence, a prominent tourist destination for Indians and foreigners alike.

To address your monetary needs, avail a loan against property in Kolkata from Bajaj Finserv. Make easy repayment over a longer tenor.

Features and benefits

Applicants interested in availing a loan against property in Kolkata can read more to know about the features of the Bajaj Finserv Home Loan.

  • Reasonable rate of interest

    Reasonable rate of interest

    Starting from 8% to 14% per annum, Bajaj Finserv offers applicants affordable borrowing option to fit their finances.

  • Speedy disbursal

    Speedy disbursal

    No more long waits for loan amounts with Bajaj Finserv. Find your sanction amount in your bank account in just 72 hours* hours from approval.

  • Ample sanction amount

    Ample sanction amount

    Bajaj Finserv provides loan amount up to Rs. 10.50 crore* to eligible candidates and to boost your home buying journeys.

  • External benchmark linked loans

    External benchmark linked loans

    By opting for the Bajaj Finserv Home Loan linked to an external benchmark, applicants can enjoy reduced EMIs along with favourable market conditions.

  • Digital monitoring

    Digital monitoring

    Now keep a close eye on all your loan developments and EMI schedules through the Bajaj Finserv online platform.

  • Long tenor stretch

    Long tenor stretch

    The Bajaj Finserv Loan Against Property tenor stretches up to 15 years allowing borrowers a buffer period to plan out their EMI payments.

  • Zero contact loans

    Zero contact loans

    Experience a truly remote loan application process from anywhere in India by applying Bajaj Finserv online loans against property and getting an easy approval.

  • No prepayment and foreclosure charge

    No prepayment and foreclosure charge

    If all borrowers and co-borrowers are individuals, loan availed on floating interest rates, and loan taken for purposes other than business use, then there will be no foreclosure/ part-prepayment charges. However, apart from above situation part pre-payment charges are applicable for term Loan up to 4.72% (inclusive of applicable taxes) of the principal amount of loan prepaid on the date of such part-prepayment. Part pre-payment charges are not applicable for Flexi Term Loan (Flexi Dropline) and Hybrid Flexi.

Over the years, the economy of Kolkata improved massively to become the 3rd most productive metro region of the country. Information technology is a major sector that developed at a rate of 70% annually. Apart from IT, the city’s revenue generators include infrastructure, real estate, hospitality, retail, hotels, large shopping malls and other sectors. A few of the oldest public sector companies are based in this capital city of West Bengal.

Residents in Kolkata can address their diverse financial requirements with loans of Rs. 5 crore. With no end-use restriction, you can invest or expend the money at your own discretion. Enjoy the fastest processing of loan against property in Kolkata within 72 hours* only. Once received, monitor details like outstanding balance, interest payable, EMIs, statements, etc., through our online account management facility.

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Loan Against Property in Kolkata Eligibility and Documents

Match the simple eligibility criteria for a loan against property in Kolkata before applying.

  • Age


    Minimum age: 25 years* (18 years for non-financial property owners)
    Maximum age: 85 years* (including non-financial property owners)
    *Age of the individual applicant/ co-applicant at the time of loan maturity.
    *Higher age of co-applicant may be considered up to 95 years basis 2nd generation (legal heir) meeting age norms and to be taken as co-applicant on loan structure.

  • Credit score

    Credit score

    750 and over

  • Nationality


    Resident Indian

  • Job status

    Job status

    Employed at an MNC, private/ public firm or self-employed

Being a secured loan, a CIBIL score close to 750 can be sufficient for the credit. However, the better you fulfil the eligibility criteria, the lower is the risk to your asset. Make the best use of Bajaj Finserv Loan Against Property and repay strategically without defaulting.

Loan against property in Kolkata interest rates and charges

There are nominal processing fees and associated charges involved, along with affordable interest rates on loan against property.

Frequently asked questions

How much loan amount can I get against my property in Kolkata?

You can avail up to 75% - 90% of the property’s market value as a loan in Kolkata. Bajaj Finserv sanctions up to Rs. 10.50 crore* for salaried applicants and of Rs. 5 Cr* and higher for self-employed borrowers.

What happens in case of a default?

If you fail to repay the loan, your mortgaged property will be liquidated to recover the outstanding amount. You can easily reduce this risk by paying your EMIs on time.

Can I avail tax benefits on my loan against property?

You can enjoy tax benefits on your loan against property under Section 24 and Section 37(1). However, that depends on the end-use of the fund.

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