Personal Loan in Kolkata

You can get a personal loan up to ₹35 Lakhs based on your income, credit score, and existing financial obligations.

Loan approval typically happens within 24 hours of application. Disbursal to your bank account takes an additional 24–48 hours after approval and document verification. In total, you can expect funds within 2–3 business days.

No, personal loans through EASYCRED are completely unsecured. You don't need to pledge any property, gold, or other assets as collateral.

Yes, most lenders allow prepayment after a lock-in period of 3–6 months. Prepayment charges typically range from 2%–4% of the outstanding principal. Some lenders offer zero prepayment charges after 12 months.

Missing an EMI attracts a late payment fee (typically ₹500–₹1,000 + GST) and negatively impacts your CIBIL score. If you anticipate difficulty, contact EASYCRED support — we can often help negotiate a restructured repayment plan with your lender.

Yes, self-employed individuals can apply with ITR for the last 2 years, business proof, and bank statements for 12 months. Interest rates for self-employed applicants may be slightly higher than salaried professionals.

No. EASYCRED uses a soft-check system that does not impact your CIBIL score. A hard inquiry is only triggered when you formally apply with a specific lender after reviewing your offers.