Personal loan in Kolkata
Across 72 pincodes in Kolkata, 93% have 4 or more lenders to choose from, and in 99% the listed amounts reach ₹50 lakh. Listed rates from these lenders run from 12% to 36% a year.
Check your pincode
Coverage is decided pincode by pincode. Enter yours to see how many options you have and the amounts listed there.
Does it matter where in Kolkata you live?
Not much: 93% of the city’s pincodes have at least 4 lenders, so your address inside the city makes little difference to your choice. What changes the outcome more is your income proof, existing EMIs and credit history — see eligibility and documents.
How many lenders serve Kolkata pincodes
- 5 lenders1 pincode
- 4 lenders66 pincodes
- 3 lenders4 pincodes
- 1 lender1 pincode
1 lender serves every pincode in Kolkata; 3 serve most or part of it, and 1 only a few pincodes.
Which areas this page covers
This page covers Kolkata district — the city proper. Salt Lake (Bidhannagar), New Town and Howrah are in other districts (North 24 Parganas and Howrah) and are not counted here; enter those pincodes in the checker.
Coverage as of 4 Nov 2026, from our lenders’ pincode lists. You apply online; there is no branch to visit.
Who lends through Innopay Money
Loans are sanctioned by RBI-regulated lenders; Innopay Money does not lend. These are the lenders that serve at least one Kolkata pincode.The lender for your loan is named in your offer and in its Key Fact Statement. How to check a lender.
See the 5 lenders and their listed termsalphabetical, not a ranking
| Lender | Kolkata pincodes served | Amount | Rate (p.a.) |
|---|---|---|---|
| Aye Finance | 1 of 72 (1%) | ₹5,000 – ₹1 lakh | 24% – 29.5% |
| Hero Fincorp | 67 of 72 (93%) | ₹50,000 – ₹7 lakh | 18% – 30% |
| mPokket | 72 of 72 (100%) | ₹1,000 – ₹2 lakh | 18% – 36% |
| Poonawalla Fincorp | 71 of 72 (99%) | ₹50,000 – ₹15 lakh | 12% – 29% |
| TATA CAPITAL | 71 of 72 (99%) | ₹65,000 – ₹50 lakh | 12% – 29% |
Create an account with your mobile number, choose the amount you need and see the offers available to you. The lender decides approval.
Check your optionsFrequently asked questions
Are Salt Lake, New Town and Howrah covered by this page?
They are in other districts (North 24 Parganas and Howrah), so this page does not count them. Enter your pincode in the pincode checker to see the options there.
Does where I live in Kolkata affect my chances?
Your pincode decides which lenders you can apply to. Whether a lender approves you depends on its assessment of your income, existing loans and credit history.
How do I know which lender I am borrowing from?
The lender is named in your offer and in its Key Fact Statement, which you see before you accept. You can check that it is regulated on the Reserve Bank of India website.