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Personal Loan in Kolkata

It’s often said that Kolkata is the cultural heartbeat of India, a city that has given rise to great minds like Swami Vivekananda, Satyajit Ray, and Shashi Kapoor. From its deep-rooted traditions to its modern spirit, Kolkata remains a city of inspiration and resilience.

When life presents unexpected financial needs—be it a medical emergency, festive celebrations like Durga Puja, or personal milestones—you can rely on IDFC FIRST Bank. We offer instant, paperless personal loans in Kolkata to help you navigate any situation with ease. With flexible repayment options designed to fit your budget, we ensure that your convenience comes first. At IDFC FIRST Bank, your priorities are our priorities.

Apply now

Features of an instant Personal Loan in Kolkata

Competitive interest rates starting at 9.99%

Low Interest Rate

Get low interest rate on personal loan in Kolkata starting at just 9.99% p.a. Calculate EMI here.

Completely digital, paperless online process.

100% Digital Process

With FIRSTmoney, you can apply through a completely digital process without any physical documents.

Balance transfer of existing personal loans at affordable rates.

ZERO Foreclosure Charges

Repay your loan early without any foreclosure penalty.

Track your Personal Loan application with the IDFC FIRST Bank app.

Instant Disbursal

Receive your loan amount in bank account within 30 minutes.

No Collateral Required

No Collateral Required

Get a personal loan without the need to pledge any security or assets.

Flexible Repayment

Flexible Repayment

Choose your preferred tenure from 9 to 60 months and a convenient EMI date from 3rd to 8th of a month.

Eligibility Criteria for a Personal Loan in Kolkata

Who Can Apply?
  • For Salaried Individuals:
  • eligibility Minimum Age: 21 years
  • Maximum age Maximum Age: at the time of loan maturity - 60 years or retirement, whichever comes first
  • Age Minimum credit score of 730
  • For self-employed individuals
  • age The business must have been in existence for a minimum period of 3 years
  • age Minimum Age: 21 years
  • age Maximum Age: 65 years at the time of loan maturity
  • credit score Minimum credit score of 730
Documentation

The documents needed to apply for a Kolkata loan are:

  • PAN Card Valid KYC
  • 3 months’ bank statement 3 months’ bank statement
  • Net Banking or Debit Card details to set up e-Mandate Net Banking or Debit Card details to set up e-Mandate
  • eSign/eStamp for faster disbursal eSign/eStamp for faster disbursal
Eligibility

How to Apply for Personal Loan in Kolkata?

Step 1: Apply Online

Tap on ‘Apply Now’ to begin your loan application.

Step 2: Enter Details

Fill in your basic details and confirm your mobile number.

Step 3: Verify Your Offer

View your eligible loan offer and select the amount and tenure.

Step 4: Complete KYC

Do a quick Video KYC using your PAN card.

Step 5: Disbursal

Your loan amount is credited to your bank account shortly after approval.

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Popular Personal Loan FAQs

How to get a personal loan with a low CIBIL score in Kolkata?

While a higher CIBIL score improves your chances of approval, IDFC FIRST Bank may offers FIRSTmoney smart personal loans to individuals with CIBIL scores over 730. Other factors like your income, job stability, and repayment capacity are also considered while approving personal loans.

Can a person get a personal loan for a low salary in Kolkata?

Yes, IDFC FIRST Bank offers personal loans to individuals with lower salaries starting at ₹20,000 per month, provided they meet other eligibility criteria. Loan approval is based on factors like your monthly income, credit score, and overall financial health.

How long does it take to get a personal loan in Kolkata?

Once your application is approved, you can expect the funds to be disbursed within minutes, ensuring quick access to money for urgent financial needs.

Can I get tax benefits on my Personal Loan?

A Personal Loan cannot be used for tax exemptions as it is not part of your taxable income. Still, there are a few instances where you can receive tax exemptions on your Personal Loan. They include taking loans to purchase or construct a residential property, invest in a business, or purchase assets.

What is the EMI amount I need to pay every month?

The EMI amount you need to pay every month depends on your loan amount and the loan duration. You can use IDFC FIRST Bank’s Personal Loan EMI calculator to help you with it.

Will my CIBIL score be affected by the loan?

Every loan you take has an impact on your CIBIL score. Timely payments can increase your CIBIL score, while irregular payments may negatively affect your score.

When should I take a Personal Loan?

You can take an instant loan to meet your weekly expenses, day credit card debts, renovate your house, and pay for a vacation.

Who can apply for IDFC FIRST Bank Personal Loan?

Salaried and self-employed individuals can apply for a loan with IDFC FIRST Bank.

Why should I take a Personal Loan from IDFC FIRST Bank?

IDFC FIRST Bank Personal Loans can protect your savings in times of need. You can use a Personal Loan and meet your financial obligations. IDFC FIRST Bank Personal Loans also come with affordable personal loan interest rate and easy repayment terms.

What is the interest rate for a personal loan in Kolkata?

IDFC FIRST Bank offers low-interest personal loans in Kolkata, with rate starting at 9.99% per annum, subject to your credit profile and loan tenure.

Choose your personal loan amount with FIRSTmoney

₹10 Lakh Personal Loan
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₹9 Lakh Personal Loan
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₹8 Lakh Personal Loan
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₹80000 Personal Loan
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Different Types of Personal Loan for you

Travel Loan

Travel Loan

Wander freely without worrying about your wallet. A FIRSTmoney travel personal loan helps you plan that much-needed vacation—covering tickets, stays, and even last-minute upgrades. With fast processing and flexible EMIs, you just have to pick the destination.

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Wedding Loan

Wedding Loan

Big day on the horizon? A FIRSTmoney wedding loan helps you handle all the expenses—from venue and catering to last-minute surprises. Quick approvals and easy repayment options mean one less thing to worry about before you say, “I do”.

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Medical Loan

Medical Loan

When health emergencies strike, time and money matter. A FIRSTmoney medical loan gives you access to quick funds for treatments, hospital bills, or post-care needs without added stress or delays.

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Home Improvement Loan

Home Improvement Loan

Fix it. Upgrade it. Reimagine it. A FIRSTmoney home renovation loan supports your home goals—be it repairs or a full renovation. Enjoy a seamless digital process, fast approvals, and EMIs that suit your budget.

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Personal Loan Tips & Insights: Your Guide to Smarter Borrowing

Personal Loans for a Credit Score of 550

Personal Loans for a Credit Score of 550

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Minimum salary required for Personal Loan eligibility

Minimum salary required for Personal Loan eligibility

03 Sep 2021 | 3 mins read
You can easily get a Personal Loan on your Aadhaar Card, here’s how

You can easily get a Personal Loan on your Aadhaar Card, here’s how

20 Aug 2021 | 3 mins read
Online Personal Loan: Steps to apply and tips to ensure a smooth application

Online Personal Loan: Steps to apply and tips to ensure a smooth application

05 May 2021 | 3 mins read
How to avail an instant personal loan

How to avail an instant personal loan

23 Apr 2021 | 3 mins read
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