Compare Business Loan rates in Kolkata, 2026.
Reviewed by Rushik Patel· Last reviewed:
Kolkata offers the most affordable metro-city real estate in India, with Rajarhat New Town and Salt Lake Sector V emerging as IT and commercial hubs. The East-West Metro and upcoming infrastructure are set to drive the next wave of appreciation.
Published/indicative business loan rate information for Kolkata, West Bengal starts from 10% per annum in 2026. Loan amount, tenure, eligibility, pricing and approval depend on lender policy and applicant details.
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Published/Indicative Rates
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Kolkata Local Expertise
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Business Loan Rates in Kolkata — Published/Indicative Comparison
Updated April 2026. Figures are published/indicative and may change; verify current lender terms.
| Bank | Rate (p.a.) | Key Feature |
|---|---|---|
| SBI | 10.25% – 14.5%Lowest shown | MSME priority processing |
| PNB | 10.35% – 14.75% | PNB Pragati scheme for MSME |
| HDFC | 10.5% – 15% | Instant approval for existing HDFC customers |
| BoB | 10.5% – 14.75% | Baroda Mudra Loan |
| Canara | 10.5% – 14.5% | MSME priority lending |
| Union | 10.5% – 14.75% | Union MSME scheme |
| ICICI | 11% – 15.5% | InstaBIZ portal for MSMEs |
| IDFC | 11% – 15.5% | Fast digital journey |
| Bajaj | 11% – 15% | Flexi business loan |
| Federal | 11% – 14.5% | MSME focus |
| Tata | 11% – 15.5% | Unsecured business loans |
| Axis | 11.25% – 15.75% | Evolve business loan for SMEs |
| Kotak | 11.5% – 16% | Pre-approved for Kotak CA holders |
| LIC | 11.5% – 15% | Property-backed business loans |
| Bandhan | 12% – 16% | Micro & small enterprise focus |
Updated April 2026: published/indicative business loan rate entries for Kolkata are shown from 10.25% per annum. Actual rate, eligibility and approval depend on lender policy, applicant profile, loan amount and property location.
Business Loan Eligibility in Kolkata
General eligibility criteria for business loan applicants in Kolkata, West Bengal.
Salaried Applicants
- Age: 21 – 60 years
- Min Income: Rs 30,000/month
- Work Experience: 2 years
- CIBIL Score: 700+
- Property in Kolkata or West Bengal
Self-Employed Applicants
- Age: 21 – 65 years
- Min Income: Rs 5 Lakhs/year turnover
- Business Vintage: 3 years
- CIBIL Score: 680+
- Business registered in India
How a Business Loan application may progress in Kolkata
Typical steps run from application to disbursal; lender approval and disbursal decisions remain with the lender.
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Documentation & Filing
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Lender Sanction & Disbursal
Sanction and disbursal timing in Kolkata are controlled by the lender and may vary with underwriting, property checks, and documentation. Confirm current lender timelines and disbursal conditions.
Documents Required for Business Loan in Kolkata
Keep these documents ready to speed up your business loan application in Kolkata.
For Salaried Applicants
- 1PAN Card & Aadhaar Card
- 2Last 6 months salary slips
- 3Last 2 years Form 16 / ITR
- 4Last 6 months bank statements
- 5Business plan / purpose of loan letter
- 6Passport-size photographs
For Self-Employed Applicants
- 1PAN Card & Aadhaar Card
- 2Last 3 years ITR with computation
- 3Last 3 years audited financials
- 4Last 12 months bank statements
- 5GST returns (last 12 months)
- 6Business registration documents
- 7KYC of all directors / partners
Business Loan in Kolkata — Frequently Asked Questions
Common questions about business loan in Kolkata, West Bengal.
What are the current Business Loan rates in Kolkata in 2026?
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Other Loan Products in Kolkata
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Areas listed for Business Loan in Kolkata
Localities included in the Kolkata reference data.
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