Best Home Loan rates in Kolkata, 2026.
Reviewed by Jay Patel· Last reviewed: stale
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.
Best home loan rates in Kolkata, West Bengal start from 7.15% per annum in 2026, with loans up to Rs 10 crore and tenure up to 30 years across 40+ banks. Money Matrix Hub is a free DSA loan-advisory service.
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Home Loan Rates in Kolkata — Bank-wise Comparison
Updated April 2026. Showing 15 banks serving Kolkata.
| Bank | Rate (p.a.) | Key Feature |
|---|---|---|
| SBI | 8.25% – 9.15%Lowest | No prepayment charges on floating |
| BoB | 8.25% – 9.15%Lowest | Baroda Home Loan scheme |
| PNB | 8.3% – 9.2% | PNB Housing scheme |
| Canara | 8.3% – 9.25% | Canara Home Loan scheme |
| Union | 8.3% – 9.2% | Union Home scheme |
| LIC | 8.3% – 9.35% | Griha Prakash scheme |
| HDFC | 8.35% – 9.25% | Digital application process |
| ICICI | 8.35% – 9.3% | iMobile instant eligibility |
| Bajaj | 8.35% – 9.5% | Flexi home loan (OD feature) |
| Axis | 8.4% – 9.35% | Power advantage for high-value loans |
| Federal | 8.4% – 9.45% | Strong NRI desk |
| Kotak | 8.45% – 9.4% | 811 Dream Home Loan |
| Tata | 8.45% – 9.5% | Tata brand trust |
| IDFC | 8.5% – 9.5% | Digital-first processing |
| Bandhan | 8.5% – 9.5% | Affordable housing focus |
Updated April 2026: 15 banks offer home loan in Kolkata from 8.25% per annum. Actual rate depends on applicant profile, loan amount, and property location in Kolkata.
Home Loan Eligibility in Kolkata
General eligibility criteria for home loan applicants in Kolkata, West Bengal.
Salaried Applicants
- Age: 21 – 65 years
- Min Income: Rs 25,000/month
- Work Experience: 2 years
- CIBIL Score: 700+
- Property in Kolkata or West Bengal
Self-Employed Applicants
- Age: 21 – 70 years
- Min Income: Rs 3 Lakhs/year ITR
- Business Vintage: 3 years
- CIBIL Score: 700+
- Business registered in India
How to Get a Home Loan in Kolkata — Step by Step
Our Kolkata team handles the entire process from application to disbursal.
Share Your Requirements
Tell us your Home Loan needs in Kolkata — amount, tenure preference, and property details. Our advisor will evaluate your profile within 30 minutes.
Compare 40+ Bank Offers
We fetch live rates from all banks in Kolkata and present you a side-by-side comparison showing rate, EMI, processing fee, and total interest payable.
Choose Your Best Offer
Pick the bank that suits you best based on rate, tenure flexibility, and service quality in Kolkata. We explain every term in plain language.
Documentation & Filing
Our team in Kolkata helps you compile the complete document set, fills out the application form, and submits it to the bank — saving you hours of branch visits.
Sanction & Disbursal
We follow up with the bank for swift processing. Expect sanction within 48 hours and disbursal within 7-10 working days in Kolkata. We stay with you until the last rupee is credited.
Documents Required for Home Loan in Kolkata
Keep these documents ready to speed up your home 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
- 5Property documents (Agreement, Title deed)
- 6Passport-size photographs
- 7Address proof (utility bill / rent agreement)
For Self-Employed Applicants
- 1PAN Card & Aadhaar Card
- 2Last 3 years ITR with computation
- 3Last 3 years audited balance sheet & P&L
- 4Last 12 months bank statements (all accounts)
- 5Property documents (Agreement, Title deed)
- 6Business registration (GST, Udyam, Shop Act)
- 7Passport-size photographs
Home Loan in Kolkata — Frequently Asked Questions
Common questions about home loan in Kolkata, West Bengal.
What are the current Home Loan rates in Kolkata in 2026?
Which bank offers the lowest Home Loan rate in Kolkata?
How much Home Loan can I get in Kolkata?
What documents are needed for a Home Loan in Kolkata?
How long does Home Loan processing take in Kolkata?
Other Loan Products in Kolkata
Explore more loan options available in Kolkata through Money Matrix Hub.
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Top localities in Kolkata where we serve the most borrowers.
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