Home Loan Services

We provide home loan assistance for a wide range of residential property requirements in Kolkata and surrounding areas.

Home Purchase Loan

• New flats purchased from builders or developers

• Resale or old flats

• Ready-to-move-in flats

• Under-construction flats

Land & Construction Loan

• Loan for land or plot purchase

• Home loan for construction on an already-owned plot

• Land purchase + house construction loan

Home Loan Balance Transfer

If you already have a home loan with another bank or housing finance company, we can help you explore options for Home Loan Balance Transfer with suitable lenders, subject to eligibility and lender criteria.

Home Loan Top-Up

Eligible existing home loan customers may explore Top-Up Loan options for additional financial requirements, subject to lender policies and eligibility.

Home Loan for Different Requirements

We assist eligible customers based on their income, credit profile, repayment capacity, property details and applicable lender criteria.

Property Location

Home loan assistance is available for residential properties across Kolkata and 50 km surrounding areas, subject to lender coverage and property eligibility.

Need help with your home loan?
Share your requirement with us and we will help you explore suitable lender options based on your profile and property.

Mortgage Loan / Loan Against Property (LAP)

We provide assistance for Mortgage Loan / Loan Against Property (LAP) against eligible properties in Kolkata and surrounding areas.

Residential Property

Mortgage loans can be explored against eligible residential properties, subject to property documents, valuation and lender criteria.

Commercial Property

We also assist with mortgage loans against eligible commercial properties for business and other financial requirements.

Vacant Land

Loan options may also be available against eligible vacant land, subject to the location, title, documentation, valuation and lender policy.

Loan Amount Based on Property Value

Depending on the property valuation, property type, customer profile and lender policy, loan funding may generally be available in the range of 60% to 85% of the assessed property value.

The actual loan amount depends on the lender's valuation, eligibility criteria and applicable policy.

Property & Customer Profile Assessment

For a Mortgage Loan, both the property profile and customer profile are carefully assessed.

The lender may check:

• Property ownership and title documents

• Legal and technical aspects of the property

• Property valuation

• Customer income and repayment capacity

• Credit profile and existing liabilities

• Overall loan eligibility

Kolkata & Surrounding Areas

We assist with mortgage loan requirements for eligible residential properties, commercial properties and vacant land across Kolkata and 50 km surrounding areas, subject to lender coverage and property eligibility.

Need a Mortgage Loan or Loan Against Property?
Share your property details and customer profile with us. We will help you explore suitable lender options based on your requirement, subject to eligibility and lender policy.

Business Loan Services

We provide assistance for Business Loans for eligible self-employed individuals, professionals and businesses in Kolkata and surrounding areas.

Minimum Business Vintage

Generally, a minimum business vintage of 2 years is required, subject to lender criteria.

Depending on the business and lender, documents may include:

• Income Tax Returns (ITR)

• Trade License

• Udyam Registration Certificate

• GST Registration and returns, where applicable

• Business and financial documents as required by the lender

GST registration is not mandatory in every case. The exact documentation depends on the nature of the business and lender requirements.

Secured Business Loan

For higher-value business funding, a secured loan against eligible property may be considered.

The loan amount depends on the property value, customer profile, business financials, repayment capacity and lender policy.

Unsecured Business Loan

Unsecured Business Loans do not require property as security. They are generally suitable for smaller funding requirements, subject to business performance, income, credit profile and lender eligibility.

Drop Line OD Facility

Eligible businesses may also explore a Drop Line Overdraft (OD) facility.

A Drop Line OD can also be available against eligible property, subject to lender policy, property valuation and customer eligibility.

Credit Profile & Banking Assessment

CIBIL / credit history is an important part of the business loan assessment, whether the loan is secured or unsecured.

Lenders may also review:

• Banking transactions

• Business turnover and cash flow

• Existing loans and liabilities

• Income and repayment capacity

• Business vintage and financial performance

A current account can be helpful for business banking assessment, but it is not mandatory in every case.

Kolkata & Surrounding Areas

We assist with eligible business loan requirements across Kolkata and surrounding areas, subject to lender coverage, business profile and eligibility criteria.

Looking for Business Finance?
Share your business details, vintage, financial profile and funding requirement with us. We will help you explore suitable secured or unsecured lending options, subject to eligibility and lender policy.

Personal Loan Services

We provide assistance with Personal Loans for eligible salaried employees in Kolkata and surrounding areas.

For Salaried Employees

Personal Loans are available for individuals who are working as salaried employees with eligible employers.

Minimum Salary

A minimum monthly salary of ₹15,000 is generally required, subject to lender criteria.

Salary Through Bank Account

The salary should be credited directly to the applicant's bank account by the employer.

Applicants receiving their salary entirely in cash are generally not eligible for these personal loan options.

CIBIL & Credit Profile

CIBIL / credit history is an important part of the Personal Loan assessment.

Generally:

• Current overdue accounts may affect eligibility.

• Written-off accounts are generally not accepted.

• Existing loan obligations and repayment history are reviewed.

• The final decision depends on the applicant's overall credit profile and lender policy.

Need a Personal Loan?
Share your employment details, monthly salary and credit profile with us. We will help you explore suitable lender options, subject to eligibility and lender policy.

Education Loan Services

We provide assistance with Education Loans for eligible students pursuing higher education in India and abroad.

Secured & Unsecured Education Loans

Education Loans are generally available in two forms:

• Unsecured Education Loan – Suitable for lower loan requirements where no property security is required, subject to student profile, course, institution and lender criteria.

• Secured Education Loan – For higher loan requirements, a loan may be available against eligible property as security, subject to lender policy.

Course & Institution Eligibility

Education Loan eligibility can depend significantly on the college, university, course and study destination.

Lenders may consider:

• Recognition and reputation of the institution

• Course and programme

• Study location — India or abroad

• Admission status

• Student and co-applicant profile

• Future repayment capacity

• Applicable lender criteria

Education Loan Against Property

For higher-value education funding, eligible residential or other acceptable property may be offered as security.

Depending on the lender and applicable policy, funding may be available up to or around 110% of the assessed property value in certain cases, including eligible education-related expenses and charges.

The actual loan amount depends on the lender's valuation, property eligibility, student/co-applicant profile and other applicable criteria.

Kolkata & Surrounding Areas

We assist with eligible Education Loan requirements for students and families in Kolkata and surrounding areas, subject to lender coverage and eligibility.

Planning an Education Loan?
Share the course, college/university, study destination and funding requirement with us. We will help you explore suitable secured or unsecured education loan options, subject to eligibility and lender policy.

Property & Documentation Assistance

We provide assistance with property and loan documentation for eligible loan requirements in Kolkata and surrounding areas.

Property Documentation

Depending on the property and loan type, documents may include:

• Sale Deed / Title Deed

• Previous Chain Documents

• Mutation / Property Tax Documents

• Approved Plan and Building Documents

• Possession / Completion Documents, where applicable

• Other property-related documents required by the lender

Loan Documentation

We also assist customers in understanding and arranging the documents required for loan processing, such as:

• KYC and identity documents

• Income and employment documents

• Bank statements

• ITR and financial documents, where applicable

• Business-related documents for self-employed applicants

• Other documents required by the lender

Legal & Technical Coordination

Where required, we can help coordinate the legal verification, property valuation and technical assessment process through the concerned professionals or lender.

Note: The exact documents required may vary depending on the property, loan type, customer profile and lender policy.