Home Loan in Kolkata
7.95%
Interest from
3–5 days
In-principle approval
₹5 Cr+
Max loan amount
Kolkata combines heritage charm with growing residential corridors, making it a strong market for first-time and upgrade buyers. A home loan in Kolkata helps you finance apartments and independent houses with competitive rates and a fully digital application.
Popular areas for home loans in Kolkata include New Town, Rajarhat, Salt Lake, Jadavpur, Behala, Dum Dum, Ballygunge, and Howrah. Lenders offer tailored products for both under-construction and ready-to-move properties across these localities.
Check your eligibility and compare home loan offers from multiple banks in minutes. Get in-principle approval quickly and complete the rest of the process online.
Why get a home loan in Kolkata with Easiloan
Rates from 7.95%
Competitive home loan interest rates for Kolkata properties from top banks and HFCs.
Quick in-principle approval
Get your eligibility and in-principle offer quickly without visiting a branch.
Coverage across Salt Lake, New Town, South Kolkata
Home loans for properties across Salt Lake, New Town, and South Kolkata.
Digital process
Apply, upload documents, and track your application online from start to finish.
Multiple bank options
Compare offers from SBI, HDFC, ICICI, Bank of Baroda, IIFL, and other partners on one platform.
Expert help with West Bengal property documentation
Guidance on West Bengal-specific property papers, mutation, and lender requirements.
How it works
1. Sign up & Apply
Sign Up/ Register with us in seconds and share your loan requirements with Easiloan
2. Compare Options
Get customized options by our proprietary AI-based Instant match making tool
3. Select Best Offer
Choose one offer from multiple options that suits your home loan requirements the best
How to Apply for a Home Loan in Kolkata
In 4 Digital Steps
Digital Eligibility Check
Check your loan eligibility across 20+ banks instantly using our AI-driven calculator.
Expert Offer Comparison
Compare customized interest rates and processing fees to find the perfect lender.
Digital Paperwork
Upload document scans via our secure portal for parallel processing with multiple banks.
Instant Sanction
Get your in-principle sanction letter faster through our prioritized bank partner channels.
Preferred Lenders in Kolkata
Comparison Matrix: Top Home Loans in Kolkata
| Lender | Interest Rate | Processing Fee | Max Tenure |
|---|---|---|---|
| SBI Home Loan | 7.90% - 8.30% p.a. | ₹5,000 + GST | 30 Years |
| HDFC Home Loan | 7.45% - 7.80% p.a. | ₹5,000 + GST | 30 Years |
| ICICI Home Loan | 7.90% - 8.35% p.a. | ₹5,000 + GST | 30 Years |
| Axis Bank Home Loan | 7.90% - 8.35% onwards | ₹5,000 + GST | 30 Years |
| LIC Housing Finance | 7.60% - 8.25% onwards | ₹10,000 + GST | 30 Years |
| IIFL Home Loan | 8.50% - 8.85% p.a. | 0.25% + GST | 30 Years |
| Bajaj Finserv Home Loan | 8.60% onwards | Up to 0.50% + GST | 30 Years |
| PNB Housing Home Loan | 8.50% onwards | Up to 1.00% + GST | 30 Years |
| Central Bank Home Loan | 8.55% onwards | 0.50% + GST | 30 Years |
*Interest rates are subject to change based on borrower profile and bank policy. Last updated: July 2026.
Easiloan is a loan advisory platform, not a direct lender. Rates shown are indicative, sourced from partner banks, and subject to change based on your eligibility and the lender's final assessment.
Home loan guides for Kolkata
Fixed vs Floating Home Loan Rates: Which Should You Choose?
Compare fixed and floating home loan interest rates in India. Understand pros, cons, and when to choose each. Use our eligibility calculator to see your offers.
Read moreHome Loan Documents List: What You Need to Apply
Complete checklist of documents required for a home loan in India. Identity proof, income proof, property papers, and bank statements. Apply online with Easiloan.
Read moreHow to Improve Home Loan Eligibility: 7 Practical Tips
Increase your home loan eligibility with these tips: higher income proof, lower FOIR, co-applicant, and clearing debts. Check your eligibility on Easiloan.
Read moreStamp Duty & Registration in Kolkata
In West Bengal, stamp duty is typically 5–6% of agreement value plus 1% registration. Women buyers may get concessional rates where notified. Most lenders do not finance stamp duty—plan these costs from your own funds.
Property Documents in Kolkata
Lenders review sale deed, WB RERA registration for under-construction, municipal approvals, patta/khatian, mutation records, society NOC for resale, OC/CC for ready units, and a clear title chain with encumbrance certificate.
Home Loan FAQs – Kolkata
What are stamp duty and registration charges for buying a home in Kolkata?
Stamp duty is generally 5–6% plus 1% registration in West Bengal. Most lenders finance property value subject to LTV caps—not stamp duty and registration.
How much home loan can I get in Kolkata and what down payment is needed?
Eligible borrowers can secure up to ₹5 Cr+ depending on profile. RBI LTV caps: 90% up to ₹30 lakh, 80% for ₹30–75 lakh, 75% above ₹75 lakh, plus stamp duty paid separately.
What property documents do lenders ask for in Kolkata?
KYC, income proofs, sale deed/agreement, society NOC for resale, WB RERA and builder docs for under-construction, OC/CC, and complete title chain with encumbrance search.
Are cooperative society flats in Kolkata eligible for home loans?
Yes, with clear title—society share certificate, NOC, approved plans, and mutation records are commonly required. Unauthorized or disputed properties are usually ineligible.