Quick Action
    Quick Actions
    iPal Icon
    GET A CALL BACK

    Want us to help you with anything?
    Request a Call back

    This field is required Only alphabetes are allowed
    This field is required Only alphabetes are allowed
    Please enter valid number
    Please enter valid email
    Please select product type
    Please enter valid pincode

    Thank you for your request.

    Your reference number is CRM

    Our executive will contact you shortly

    Want us to help you with anything?
    Request a Call back

    This field is required Only alphabetes are allowed
    This field is required Only alphabetes are allowed
    Please select a country
    Please enter valid number
    Please enter valid email
    Please select product type
    Please select product type
    Please enter valid pincode

    Thank you for your request.

    Your reference number is CRM 786578956

    Our executive will contact you shortly
    Sorry! Please check back in a few minutes as an error has occurred.
    • Calculate your Personal Loan EMIs

    Planning for your Personal Loan in Kolkata has never been more convenient. Use ICICI Bank’s Personal Loan EMI Calculator to estimate your monthly instalments quickly. Simply input the loan amount, interest rate, preferred tenure and the calculator would provide a transparent breakdown of your EMIs.

    Features and Benefits of Personal Loans in Kolkata

    Loan Amount up to Rs 50 lakh

    Loan Amount up to Rs 50 lakh

    Avail up to Rs 50 lakh, offering a versatile solution for various financial needs, whether it is for home renovation, wedding expenses or debt consolidation.

    240
    No Security/Guarantor required

    No Security/Guarantor required

    Enjoy the convenience of ICICI Bank’s unsecured Personal Loan, eliminating the need for collateral or a guarantor. This streamlines the process, making it hassle-free.

    240
    Faster Processing

    Faster Processing

    Experience swift approval and disbursement, ensuring you receive the funds without unnecessary delays.

    240
    Minimum Documentation

    Minimum Documentation

    ICICI Bank understands the value of your time, so a Personal Loan in Kolkata requires minimal documentation for a convenient application process.

    240
    Attractive interest rate

    Attractive interest rate

    Benefit from competitive interest rates that ensure manageable and cost-effective repayments.

    240
    Flexible Repayment Options

    Flexible Repayment Options

    Choose a repayment tenure that aligns with your unique financial situation, ranging from 12 to 72 months. This flexibility ensures that your repayment plan suits your needs.

    240

    Personal Loan Interest Rates in Kolkata

    Personal Loan Interest Rates in Kolkata

    ICICI Bank’s Personal Loan in Kolkata stands out due to its competitive interest rates, ensuring that borrowing remains cost-effective for customers. The Bank recognises the importance of appealing lending options. The rates reflect the commitment to provide accessible financial solutions that cater to the diverse needs of the cultural capital of Kolkata.

    Rate of Interest Processing Fees Tenure
    10.80% to 16.15% per annum Up to 2.50% of the Loan amount plus taxes 12 months to 72 months

    Fees and Charges for Personal Loans in Kolkata

    When applying for a Personal Loan in Kolkata, stay updated on the associated fees and charges. Here is a breakdown of these charges:

    Description of Charges

    Charges Applicable

    Loan Processing Charges/Origination Charges (Non-Refundable)

    Up to 2.50% of the Loan amount plus applicable taxes

    Prepayment  / Foreclosure Charges

    a. 3% on principal outstanding amount.

    b. Nil after 12 EMIs paid.

    c. For Business Loans (BIL/BL) <=50 Lakhs i.e. Booked under code ‘UP’, the FC to be considered as “NIL” if first EMI is paid. This is applicable only for Micro and Small enterprises only (subject to URC submission) and not for Medium enterprises.

    Charges for late payment

    5% Per Annum will be charged on the overdue EMI until repayment

    Repayment Mode Swap Charges

    Rs 500 per transaction plus applicable taxes

    Loan Cancellation Charges

    a. NIL Cancellation within Free Look / Cooling off period (i.e. 15 days from Disbursement). PF will be Non Refundable.

    b. Cancellation post cooling Period & Before 1 EMI date (i.e. from 16th day till 1st EMI date) - Proportionate APR to be considered with max capping of ₹3000 /- (applicable for Digital Lending)

    c. Cancellation Fee of ₹. 3,000/- (applicable other than Digital Lending).

    EMI Bounce Charges

    Rs 500 per bounce plus applicable taxes

    Non-Maintenance of Mode of Payment (NMMP Charges)

    Rs 800 (Plus applicable taxes or statutory levies, if any). Charges levied on a monthly basis if the Loan repayment mode is inactive or irregular.

    APPLY NOW

    READ MORE
      Apply Now

      Personal loan in Kolkata

      • new new

        Documents required for a Personal Loan

      • icon2 icon2

        Eligibility Criteria for a Personal Loan

      Documents required for a Personal Loan in Kolkata

      When applying for a Personal Loan in Kolkata, you need to provide specific documents based on being a salaried or self-employed individual. Here is a checklist of the necessary Personal Loan documents for both categories:

      ● Proof of Identity: Aadhaar & PAN Card (both)

      ● Proof of Residence: Leave and License Agreement, Utility Bill (not more than 3 months old) or Passport

      ● Last 3 months Bank Statement (where salary/income is credited).

      ● Last 3 months’ Salary Slips.

      Apply now
      Eligibility Criteria for a Personal Loan

      Eligibility Criteria for a Personal Loan in Kolkata

      Understanding the eligibility criteria is vital when seeking a Personal Loan in Kolkata:

      • Age: Applicants should be between 20 and 58 years

      • Net Salary: Salaried individuals with a minimum monthly income of Rs 30,000 are eligible (Also depends on the applicant’s relationship with the bank)

      • Total Years in Job/Profession: A minimum of 2 years in your current job or profession is required

      • Years in Current Residence: Applicants should be residing for a minimum of 1 year in their current location.

      Apply now
      Close icon
      play-arrow
      pause-arrow