Compare Loan Against Property 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 loan against property rate information for Kolkata, West Bengal starts from 8.75% per annum in 2026. Loan amount, tenure, eligibility, pricing and approval depend on lender policy and applicant details.
Compare Loan Against Property options in Kolkata
Review the available rate information for Kolkata; lender pricing and eligibility vary by applicant and property.
Published/Indicative Rates
Compare the lender rate entries shown for loan against property; final pricing depends on lender policy and your details.
Kolkata Local Expertise
Our advisors know Kolkata's top areas: Rajarhat New Town, EM Bypass, Salt Lake, Garia and more.
Review Terms Carefully
Check lender pricing, processing fees and any advisory terms before proceeding.
Lender Processing Timeline
Processing times vary by lender, application details, documents and verification.
Loan Against Property 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 | 8.75% – 10.5%Lowest shown | Up to 65% LTV |
| Bajaj | 8.75% – 11%Lowest shown | Up to 70% LTV |
| BoB | 8.85% – 10.75% | Up to 65% LTV |
| PNB | 8.9% – 10.9% | Up to 60% LTV |
| Union | 8.9% – 11% | Up to 60% LTV |
| Canara | 8.95% – 11% | Up to 60% LTV |
| HDFC | 9% – 11% | Up to 70% LTV for residential |
| ICICI | 9% – 11.5% | Up to 65% LTV |
| LIC | 9% – 11.25% | Up to 60% LTV |
| Federal | 9% – 11.5% | Up to 65% LTV |
| Tata | 9% – 11.75% | Up to 65% LTV |
| Axis | 9.25% – 11.75% | Up to 60% LTV |
| Kotak | 9.25% – 12% | Up to 65% LTV |
| IDFC | 9.25% – 12% | Up to 65% LTV |
| Bandhan | 9.5% – 12% | Up to 60% LTV |
Updated April 2026: published/indicative loan against property rate entries for Kolkata are shown from 8.75% per annum. Actual rate, eligibility and approval depend on lender policy, applicant profile, loan amount and property location.
Loan Against Property Eligibility in Kolkata
General eligibility criteria for loan against property 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: 680+
- Business registered in India
How a Loan Against Property application may progress in Kolkata
Typical steps run from application to disbursal; lender approval and disbursal decisions remain with the lender.
Share Your Requirements
Share your Loan Against Property needs in Kolkata — amount, tenure preference, and property details. An advisor can review the information provided, while lender assessment timing and decisions vary.
Compare Available Lender Information
Review available lender information in Kolkata in a side-by-side comparison of indicative rate, EMI, processing fee, and total interest. Confirm current lender documents before applying.
Compare Lender Terms
Compare lender terms in Kolkata based on rate, tenure flexibility, fees, and service information. The lender controls the final offer and decision.
Documentation & Filing
Use the lender's current checklist to compile documents in Kolkata. Submit the application through the channel the lender confirms and retain copies of everything provided.
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 Loan Against Property in Kolkata
Keep these documents ready to speed up your loan against property application in Kolkata.
For Salaried Applicants
- 1PAN Card & Aadhaar Card
- 2Last 6 months salary slips
- 3Last 2 years ITR / Form 16
- 4Last 6 months bank statements
- 5Property documents (Title deed, tax receipts, approved plan)
- 6Encumbrance certificate
- 7Passport-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
- 5Property documents (Title deed, tax receipts)
- 6Encumbrance certificate (15 years)
- 7Business registration documents
Loan Against Property in Kolkata — Frequently Asked Questions
Common questions about loan against property in Kolkata, West Bengal.
What are the current Loan Against Property rates in Kolkata in 2026?
Which bank offers the lowest Loan Against Property rate in Kolkata?
How much Loan Against Property can I get in Kolkata?
What documents are needed for a Loan Against Property in Kolkata?
How long does Loan Against Property processing take in Kolkata?
Other Loan Products in Kolkata
Explore more loan options available in Kolkata through Money Matrix Hub.
Areas listed for Loan Against Property in Kolkata
Localities included in the Kolkata reference data.
Loan Against Property in Other Cities
Compare loan against property rates and apply in 50+ cities across India.
Want to compare your rate with published lender information?
Send your details on WhatsApp for a lender-rate comparison. Response time and next steps vary by enquiry and lender.