Personal Loan in Kolkata

Personal Loans ranging from Rs.25K to Rs.25L with a tenure starting from 6 months.


Apply for Personal Loan

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Our Financial Institutions

  • HDFC Bank
  • ICICI Bank
  • Fullerton India
  • Yes Bank
  • Axis Bank
  • IDFC Bank
  • Tata Capital
  • Indiabulls
  • Ujjivan Small Finance Bank

Basic Eligibility Criteria

You're probably eligible for a Loan if you are

  • At Least 23 Years Old

  • Less Than 65 Years Old

  • Salary must be in your account

  • Minimum salary required Rs.15000/Month credit in bank

  • Minimum job experience / stability 6 months


Get Personal Loans in Kolkata with AapkaBank

A lot of people now realize the importance of personal loans in Kolkata. Many of the people go with the option of considering the lowest interest rate associated with the personal loan for obtaining it. But before sanctioning a personal based alone, the lenders consider different kinds of factors like the repayment capacity of the borrower, company with which one is working and many more.
The personal loans can be obtained through AapkaBank without any prerequisites in India. We provide a great interface that can help to meet the borrowers with the loan providers so that their needs are fulfilled in the best possible way. We also do not take any commission from the borrower when he or she applies for a loan through us. AapkaBank helps to guarantee the best arrangement for personal loans in India after considering various kinds of points. 
We have a great skill through which the consumers are provided with the best possible financing option depending upon their needs and requirements. We provide several options to the borrower from which he or she can choose depending upon his requirements. We also provide a great credit to the previous report before applying for a particular loan which will help to give a proper investigation of the credit-based history of the organization.
So, at the time of availing a personal loan from personal loans provider in Kolkata, one has to pay attention to various things such as: 
One must maintain a good credit-based score: The best way to improve the credit score is by clearing the loans over periods. In case any of the individuals have a credit score of 750 or more, then he or she has a good chance to get a good personal loan deal. Following are the tips that will help in maintaining a good credit score:
  • One must focus on maintaining a good credit utilization issue. This ratio refers to how much credit one has currently taken divided by the total limit of the credit available to a person. The individuals must aim to keep this within the 30% limit.
  • One must also focus on checking the credit report after equal intervals of time. At the time of making various enquiries, such reports are paid a new consideration. So, one must consider this point effectively.
  • One must also avoid direct loan and credit card-based applications to lenders, and one must focus a proper healthy credit mix of both unsecured as well as secured nature loans.
  • Another tip is one should ensure that proper and timely payments are made so that there is no default on behalf of the borrower.
One must focus on maintaining a good repayment history: One must try to pay the credit card bill and clear all the loans every month up to best possible limits. This will have a direct impact on improving the score and maintaining a good repayment -based history. All the EMI of loans must be repaid on time, and this has another benefit of getting the best deals on loans in case one requires in years to come. In case the individual’s repayment history is good, then one will have a better chance to negotiate based on rates of interest charged by the lender.
One must compare interest rates to avail the best offer: Depending upon the eligibility and requirement of the individual, the applicant of loans must consider visiting different marketplaces so that he or she can compare the rate of interest charged by different lenders. Existing relationship with the lenders must also be checked so that they can also provide a cheaper rate of interest. At the time of festive seasons, various banks provide different kinds of offers which must be kept in mind so that one can cut down on loan-related expenses.
One must also check the interest calculation-based methods: Sometimes, because of some misunderstandings, the individuals are supposed to pay a high rate of interest at the end of the tenure of the loan. This is because there is a difference in methods of calculating adopted by the lender and the borrower. So, it is highly advisable to confirm the method of calculation adopted by the lender at the time of availing the loan so that there is a proper match between the interests calculated by both. 
Some of the lenders provide loans on the flat rate whereas some of them provide on reducing interest-based rate. In the cases of a flat rate, the amount of interest will be calculated on the full loan amount throughout the tenure. But in the cases of reducing interest rate, the payment will be calculated based on principle, which is outstanding, and the installment will gradually decrease. So, such things must be considered at the time of availing the loans.
One must check the credibility of the employer: All the employees of multinational corporations have access to different kinds of deals in cases of personal loans. This is because the employer has a good ability to pay income to the person, and his or her job is steady in that particular organization. So, because of his or her stable income, he or she has access to different loan offers because they can pay the loan on time.
One must check the employment history: one must also focus on maintaining job stability and residential stability, which is considered good at the time of availing the loan. Some of the institutions at the time of providing the loans look at such capabilities and then calculate various kinds of things associated with the loan.
Even in the documents, one has to submit the employment history. The process of personal loan apply in Kolkata is very easy, and a lot of people prefer this option because of the benefits provided by this concept. 
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