Personal Loan


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Personal Loan in Kolkata

When an individual needs cash assistance on an urgent basis, they can opt for a personal loan. A personal loan is a one stop solution to all of your short term problems. These problems or priorities can be related to anything right from paying fees, purchasing furniture, funding a wedding or a new vacation. A personal loan can help you clear all of these expenses and hence it is called as a multipurpose loan.
A personal loan is also called as an unsecured loan. This is because there is no collateral set for availing a personal loan. Another benefit of this is that an individual is under no obligation to mention the reason to avail a personal loan in Kolkata. These loans are short term in nature. A personal loan in Kolkata can be availed for 5-7 years*. Since there is no collateral, a personal loan has higher interest rates. These interest rates begin from 11.29%* onward.
Kolkata has been nicknamed as the “City of Joy”. It is also known as the “cultural capital” of India. It is also the third most productive metropolitan area in India. Hence its active presence in business contributes to the Indian economy growing. The people in Kolkata do take a lot of opportunities and hence take a personal loan to fulfill those needs.

Why Choose Ruloans To Apply For Personal Loan in Kolkata?

We at Ruloans are the fastest growing loan distributors in India. Our dedication and expertise in this field has allowed us to help customers all over India to borrow in the right way. Our staff has developed a highly proficient loan calculator. Using this, they can compare loan options and accordingly decide the lender of their choice. Ruloans motto is to help the customers borrow rightly and provide them with guidance that is “much more than money”. Using our experience in the loan industry and our partner Banks and NBFCs we aim to help every customer get the right loan as per their needs.

Hassle free process

Customers who need a loan should be provided an online platform which is easy to use. This helps them to apply for the loan process without any hassle. We at Ruloans have created a user friendly web portal which not only helps the customer navigate easily on our page but also helps them to upload their documents.

Benefits of applying with us

Since we have been in this industry for a very long time we have gained expertise in this field and have also partnered with many private Banks and NBFCs. This allows us to help our customers with the best deals and services.

Compare your loan options

Our team has come up internally with an algorithm based highly proficient loan calculator. Using this, a customer can compare loan options and decide a lender of their choice. All of this can be done on our web portal.

Free expert guidance and advice

To provide the best services, we have accumulated skillful staff that has vast knowledge in this field. They also are up to date with all the trends taking place in the loan market. Using this experience we help our customers borrow right without charging them a single penny.

Privacy policy

The privacy policy of Ruloans is of prime importance. We make sure that no data is given to anyone except the lender of the customer’s choice and with us. This is to ensure that the customers can trust us.

What are the Features & Benefits of taking a Personal Loan in Kolkata?

A personal loan is a one stop solution to all of an individual’s short term needs. They fulfill the cash requirement needed to clear the priorities. An individual can be benefitted by taking a personal loan in many ways. We have listed few of those reasons below;

  • Easy availability:A loan must always be easily available. If it cannot be easily available, customers won’t be able to clear their priorities in time. A personal loan in Kolkata is easily available. This is because of its popularity in all the major financial instruments.
  • Minimum documentation: Being easily available is not enough. The length of the process has to be lesser in order to avail the loan quickly. Since there is no collateral involved in availing a personal loan in Kolkata, the individual is saved from arranging extra documents which would be needed if any property would have been kept as mortgage. Overall, the list of documents needed for a personal loan in Kolkata is lesser than the other types of loans.
  • The loan is approved quickly:A personal loan is not only easily available but can be availed very quickly. The effort has to come from the customer’s end. If the customer has all the necessary documents as per the lender and can fulfill their criteria, they can avail a personal loan in Kolkata within 24-48 hours*.
  • Multi-purpose loan:A personal loan in Kolkata is multipurpose in nature. It can help fulfill the need for cash for many reasons. It can help you in funding expenses related to education, debt consolidation and also for short term payments.
  • Flexible type of loan:An individual can avail for a personal loan in Kolkata at a lower rate of interest. This is possible only when the credit score of the individual is exceptional. If he/she has a good relationship with the bank i.e. if his repayment history has been very good without any defaults, the Bank/NBFC might waive off certain processing fees or waive off charges on prepayment.

What are the Eligibility Criteria to avail a Personal Loan in Kolkata?

Every individual can avail a personal loan in Kolkata for fulfilling their personal and professional obligations. To avail a personal loan in Kolkata, you will need to be eligible enough as per the lender. Every lender has a criteria set for individuals who want to pursue a personal loan in Kolkata. If they fulfill the criteria, then they can avail the loan. Although with the variety of lenders in the market, it gets tough to understand the criteria set by each lender which can be different. Hence to make it a bit easy, we have prepared a generic list of documents. These documents are required by all lenders and helps ease out the eligibility process.


Particulars Salaried Borrowers Self-Employed Borrowers
Age 21 years to 60 years 23 years to 60 years
Income Rs. 15,000 (Rs. 20,000 in metros) Turnover of minimum Rs. 24,00,000 (differs for professional and non-professional)
Maximum Loan Amount Approved Rs. 15,00,000 Rs. 15,00,000 to 20,00,000
Minimum Loan Amount Approved Rs. 75,000 Rs. 75,000 to Rs. 3,00,000
Loan Tenure 12-72 months 12-48 months
*Please note that the eligibility criteria will always differ from lender to lender. The above details listed are generic and hence are not specific to just one lender.

What are the Documents Required to avail a Personal Loan?

   We have listed few documents that an applicant will need to submit to the Bank/NBFC in order to avail for a personal loan in Kolkata.

Particulars Salaried Borrowers Self-Employed Borrowers
Identity Proof Passport, Driving License, Voters ID or PAN Card Passport, Driving License, Voters ID or PAN Card
Address Proof Passport or utility bills Passport or utility bills
Additional Documents Salary slips for last 3 months Proof of highest professional degree
2 year employment continuity document Latest Income Tax Return Balance sheet
Profit and Loss for last 3 years certified by CA
*Please note that the eligibility criteria will always differ from lender to lender. The above details listed are generic and hence are not specific to just one lender.

How to Apply For a Personal Loan in Kolkata on Ruloans?

You only have to go through 5 steps to apply for a personal loan in Kolkata on Ruloans:


How to Apply For a Personal Loan in Kolkata on Ruloans?
Step 1 First, you will have to visit the ‘Personal Loan in Kolkata’ page on our website and click on ‘Check Your Eligibility’ box.
Step 2 Then you will need to fill out personal and financial information. Once you complete those details, our loan calculator will check your eligibility with its highly efficient algorithm.
Step 3 Post that, our loan calculator will provide you with results as per the details mentioned by you. This list will include names of all banks and NBFC’s, the rate of interest they are offering etc.
Step 4 After deciding your choice of lender, you can fill up the form and then upload the required documents. In case of a doubt or there is a need any assistance, please do not hesitate in calling our experts for advice. You can also drop us an email and our representative will help you. The contact details are given on our website.
Step 5 Privacy is a strict policy and at Ruloans we value the data given to us by our customers. Your application will be sent electronically to the Bank/NBFC you selected. There is complete privacy. Also, you will be informed about the status of your application via SMS, email or you can track it via our website too.

Frequently Ask Questions

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