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 Personal Loan in Kolkata @16% p.a.

Instant personal loan in Kolkata

Kolkata, the capital of West Bengal, stands as a key hub for financial, business, and commercial activities in eastern India. Known as the ‘Cultural Capital of India,’ it boasts iconic landmarks like the Victoria Memorial, National Library of India, and the Indian Museum. The city’s economy thrives with contributions from IT, hospitality, retail, real estate, and more. Additionally, the Port of Kolkata, the country’s oldest riverine port, adds to its strategic importance.

In recent years, the availability of private lenders has increased significantly. If you’re looking for a hassle-free way to meet your financial needs, consider opting for a personal loan in Kolkata without documents. Leading loan providers in Kolkata, like Bajaj Finserv, offer quick approvals and flexible repayment options to help you achieve your goals. You can either visit a branch or apply online to receive funds instantly and conveniently.

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.

To apply for a personal loan in Kolkata, you'll need to submit a few essential documents.

Aadhaar/ passport/ voter’s ID/ driving license/ Letter of National Population Register/ NREGA job card
PAN card
Employee ID card
Salary slips of the last 3 months
Bank account statements of the previous 3 months
Piped gas bill
Pension order
Letter of Allotment of Accommodation Issued by Employer
Property / Municipal tax receipt
Utility bill
Real-time image / photograph
Ration card

Know more about the personal loan documents requirement. Having these documents ready ensures a smooth application process and faster approval.

Applicants in Kolkata can access high-value loans by meeting the simple eligibility parameters. Bajaj Finserv offers personal loans that are easily accessible for borrowers in Kolkata. Once you meet the above criteria, use our personal loan eligibility calculator to check the maximum loan amount you are qualified for.

Nationality

Indian, residing in the country
Employment

Must be a salaried employee at a reputed MNC or a private/public limited company
Credit score

Above 685
Age

Between 21 years to 80 years*. 80 years* or younger, at the end of the loan tenure.
Income

Starts at Rs. 30,000. Refer to our eligibility page for other details

Bajaj Finserv offers personal loans that are easily accessible for borrowers in Kolkata. Once you meet the above criteria, use our online eligibility calculator to check the maximum loan amount you are qualified for.

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A personal loan can be used to meet a variety of financial needs. These include:

You can consider a personal loan for travel to cover your travel spends comfortably.
A personal loan for wedding can help you cover the sudden, unexpected expenses without compromising on your budget.
A personal loan for higher education can help you or your loved one achieve academic goals by covering expenses that may not be included in an education loan.
A personal loan for medical emergency provides quick financial assistance in the case of unforeseen medical costs,
For home renovations and repairs, a personal loan for home expenses is a great option.

Avail of an online personal loan at attractive interest rates and bear nominal charges to get the funds you need.

Use the interest calculator to get accurate repayment details based on the latest rates for a personal loan. It helps you plan better with competitive interest rates and manage your loan efficiently, ensuring lower EMIs. By understanding the fees and charges, you can make informed decisions and comfortably repay your loan.

Type of fee	Applicable charges
Rate of interest	16% to 31% p.a.
Processing fees	Up to 3.93% (Inclusive of applicable taxes) of the loan amount.
Flexi Facility Charge	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 above Flexi facility charges are inclusive of applicable taxes Loan amount includes approved loan amount, insurance premium, and VAS charges.
Bounce charges	Up to Rs. 1,200/- per bounce “Bounce charges” shall mean charges for (i) Dishonor of any payment instrument; or (ii) Non-payment of instalment (s) on their respective due dates due to dishonor of payment mandate or non-registration of the payment mandate or any other reason.
Pre-payment charges	Full Pre-payment: Foreclosure can be processed post clearance of first EMIs. •Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount as on the date of full pre-payment. •Flexi Term Loan (Flexi Dropline): Up 4.72% (Inclusive of applicable taxes) of the Dropline limit as per the repayment schedule as on the date of full prepayment. •Flexi Hybrid Term Loan: Up to 4.72% (Inclusive of applicable taxes) of the Dropline limit as per the repayment schedule as on the date of full prepayment. Part Pre-payment: •Up to 4.72% (Inclusive of applicable taxes) of the principal amount of Loan prepaid on the date of such part Pre-Payment. •Not Applicable for Flexi Term Loan (Flexi Dropline) and Flexi Hybrid Term Loan.
Penal charge	Delay in payment of instalment(s) shall attract Penal Charge at the rate of up to 36% per annum 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 Dropline limit (as per the repayment schedule) on the date of levy of such charges Flexi Hybrid Term Loan: Up to 0.295% (Inclusive of applicable taxes) of the Dropline limit during Initial Tenure. Up to 0.295% (Inclusive of applicable taxes) of Dropline limit during Subsequent Tenure
Principal Holiday Facility Fees	Up to Rs.1999/- for loan amount less than Rs.2,00,000 Up to Rs.3999/- for loan amount from Rs. 200000 to Rs.399999 Up to Rs.5999/- for loan amount from Rs. 400000 to Rs.599999 Up to Rs.7,999/- for loan amount from Rs. 600000 to Rs.999999 Up to Rs.8,999/- for loan amount from Rs.10,00,000 to Rs. 1499999 Up to Rs. 9999/- for loan amount from Rs. 15,00,000 to Rs.19,99999 Up to Rs.10,999/- for loan amount from RS. 20,00,000 to RS.2499999 Up to Rs.11,999/- for loan amount from RS.25,00,000 to RS. 29,99999 Up to Rs. 12,999/- for loan amount of Rs.30,00,000 and above Above charges are inclusive of applicable taxes & will be deducted upfront from loan amount *(Loan amount includes approved loan amount, Insurance Premium & VAS Charges)

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

*Terms and conditions apply.

Click on ‘APPLY’ at the top of this page to open our online personal loan application form.
Enter your 10-digit mobile number and the OTP sent to your phone.
Fill in the application form with your basic loan details, such as your full name, PAN, date of birth, and PIN code.
Now, click on ‘PROCEED’ to visit the loan selection page.
Enter the loan amount that you need. Choose from our three personal loan variants –Term, Flexi Term, and Flexi Hybrid.
Choose the repayment tenure and click on ‘PROCEED’.
Complete your KYC and submit your application.

Our representative will guide you on the next steps. The personal loan amount will be transferred to your bank account on the successful verification of your documents

Frequently asked questions

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.

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 personal loan 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 need a CIBIL Score of 685 or higher to apply for a Bajaj Finserv Personal Loan.

The salary requirement for a personal loan in Kolkata will differ from lender to lender. Additionally, personal loan application approval depends upon several other factors as well, such as credit history, CIBIL Score, and so on.

If you meet the eligibility criteria and submit required documents, you can get a personal loan in Kolkata within as little as 24 hours* of approval.

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