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Own Your Home in Kolkata with Kotak Home Loans

Finding affordable housing in the central areas of bustling metropolises can be daunting, but Kolkata stands apart in this regard. Even in the heart of the city, you can still discover vacant properties of good value in prime locations. A Home Loan in Kolkata from Kotak Mahindra Bank can help fund these great opportunities.

The rapid development of Kolkata's beautiful Rajarhat and New Town suburbs is well on track, accompanied by numerous IT and business parks. As a result, affordable apartments and bungalow townships have flourished, and various housing options are available.

Features & Benefits of Home Loan in Kolkata with Kotak Mahindra Bank

  • Affordable Dream Homes: Unlock your dream home's potential with our competitive interest rates, making homeownership more within your reach
  • Stress-Free Application: Our user-friendly application process has been meticulously crafted to eliminate the burden of overwhelming paperwork, ensuring a smooth beginning to your homeownership journey
  • Paperwork Made Painless: Experience a hassle-free application with our simplified documentation process, keeping your focus where it should be—on your new home
  • Discount on Processing Fees: Enjoy a *50% reduction in processing fees.
  • Tailor-made Services: Our home loans are designed to adapt to your financial goals, providing you with the flexibility to personalise the terms according to your unique needs
  • Easy-to-use Calculators: Harness the power of our intelligent Home Loan calculators to make well-informed choices, ensuring your financial strategy aligns perfectly with your vision
  • On the Fast Track: Expect expedited loan processing, propelling you closer to your dream of becoming a homeowner with utmost efficiency

Eligibility Criteria for a Home Loan in Kolkata

When applying for a Home Loan, it is essential to understand the home loan eligibility criteria set by financial institutions. These criteria determine the qualifications and requirements for individuals seeking a Home Loan. Here are the key eligibility requirements:

Criteria Self-employed Applicants Salaried Applicants

Applicants should be between 18-65 years old

Applicants should be between 18 and 60 years old



Minimum Income of Rs 20,000 per month for residents of Delhi, Mumbai, Bangalore, Pune, and Chennai.

Minimum Income of Rs. 15,000 per month for the residents of other cities.

Minimum Income of Rs 20,000 per month for Delhi, Mumbai, Bangalore, Pune, and Chennai residents.

Minimum Income of Rs 15,000 per month for the residents of other cities.

Work Experience/ Continuity A minimum 3 years in business, practice or profession.
2 years of work experience and at least 6 months in the current organisation.

Check Your Eligibility Now

Documents Required for Getting a Home Loan in Kolkata

To ensure a smooth process for the Home Loan approval in Kolkata, it is crucial to have the following documents readily available:

For a home loan in Kolkata, you need to provide various documents related to the property, finances, occupancy, identity, and address. These documents include

  • Proof of Identity (PAN/ Aadhaar/ Driving licence/ Voter ID)
  • Address Proof (Driving License/ Aadhaar/ Voter ID/ Passport)
  • Income Proof
  • Bank Statements
  • Proof of Age (PAN/ Aadhaar/ Driving licence/ Voter ID/ Passport)
  • Signature Proof (PAN/ Passport)
  • Last 3 Years’ Income Tax Returns (ITR)
  • Last 3 years’ balance sheet and profit and loss account certified/ audited by a C.A. (In case of self-employed customers)
  • All Property Documents

*In certain cases, additional documents may be required.

How to Apply for a Home Loan Online in Kolkata?

You can easily apply for home loans in Kolkata online by following these simple steps:

  • Go to the official website of Kotak Mahindra Bank
  • Use the EMI calculator to set your loan amount and tenure
  • Navigate to the loan application section
  • Fill out the application form
  • Once the necessary details are provided, our experienced team will reach out to facilitate the processing of your Home loan

Ready to take the next step?

Have specific doubts? Talk to our Home Loan Advisor

FAQs for Home Loan in Kolkata

Can I avail of a home loan for purchasing a resale property in Kolkata?

Absolutely! You can avail of a Home Loan for buying a resale property in Kolkata. Fulfil the eligibility criteria of the preferred lender and apply for a loan online or offline.

Can I get a home loan in Kolkata if I am self-employed?

Yes, you can apply for a Home Loan in Kolkata if you are self-employed. Being self-employed does not restrict you from seeking a Home Loan with Kotak Mahindra Bank.

How long does it take for a home loan to be approved in Kolkata?

The time required to sanction a Home Loan can vary depending on factors such as the applicant's employment status. Home Loans for salaried individuals may typically be sanctioned within 4 to 5 working days, while self-employed individuals may take around 7 to 8 working days. But with Kotak Mahindra Bank, you can get your Sanction Letter in less than 10 minutes!

Are there any tax benefits associated with home loans in Kolkata?

Under the provisions of the Indian Income Tax Act, individuals with a Home Loan can avail of certain tax benefits. These benefits include deductions under Section 80C for the principal repayment of up to Rs 1.5 lakh and under Section 24B for interest repayment of up to Rs 2 lakh.

Why is Kotak the most preferred Home Loan lender in Kolkata?

Kotak Mahindra Bank is the top choice for Home Loans in Kolkata due to our competitive interest rates, hassle-free application process, and swift loan approval. Our commitment to serving the financial needs of the people of Kolkata has made us a trusted name.

Branch Address:

Kotak Mahindra Bank Ltd 22, Camac Street, 6th floor , Block – B Kolkata – 700016


Terms & Conditions Apply: The final home loan interest rate and other associated charges are subject to a rigorous assessment process, including an evaluation of the applicant's creditworthiness, CIBIL score, property value, and other relevant factors.

Ready to take the next step?

Have specific doubts? Talk to our Home Loan Advisor

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Disclaimer (Things you should know):

For loans: Credit at the sole discretion of the Bank and subject to guidelines issued by RBI from time to time. Bank may engage the services of marketing agents for the purpose of sourcing loan assets.