Best Personal Loans in Dum Dum, Kolkata
Dum Dum is a locality which is located to the north of Kolkata and provides its primary entry point. It is populated and is more famously known for the international airport located here. The city has developed into a modern commercial centre while also hosting many defence establishments.
Personal loans in Kolkata are given by most major banks and financial institutions to individuals without asking for the requirement or need. They are unsecured loans given from Rs. 50,000 to Rs. 40,00,000 which means that you need not mortgage anything or show an asset. The most common reason for taking a loan is debt consolidation. Some of the other reasons include medical, travel, home renovation, wedding and so on.
You need to have a good credit history and adequate salary to get a loan sanctioned. Other factors like years of employment, company you work for etc will determine the most important factors like amount, tenure and rate of interest. Some of the banks in Kolkata give you the flexibility to pre-close the loan without any additional charges. Most banks have a pre-closure charge in the 4%-5% range.
There are multiple banks which offer a personal loan in Kolkata such as HDFC Bank, ICICI Bank, Kotak bank, Axis bank and so one. There are also multiple NBFC’s in Kolkata such as Bajaj Finserv, Fullerton, Tata Capital, etc which offer unsecured personal loans.