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Top Private Finance Loan Providers in Kolkata - Instant Loans

Top List of 6 Private Finance Loan Providers in Kolkata. Get an instant Personal Loan with low interest rate, Also for personal student loans, private financer, and more. Find the best Private lending loan service providers near your location. as on Dec 03, 2024

Yashvi Finance

Virar East, Mumbai, 401305

( Also serves in Kolkata )

4.3/5 Based on 113 Reviews

Loans

Response Time: Within 15 MinsSulekha score: 9.1

Yashvi Finance, located in Virar East, Mumbai, is a well-established financial service provider with over four years of experience in the industry. They specialize in offering a wide range of loans, including personal loans, business loans, and private finance loans. Yashvi Finance is known for its customer-centric approach, tailoring financial solutions to meet the diverse needs of its clients. They emphasize quick processing, ensuring that clients receive their funds promptly, making them a reliable choice for urgent financial needs. The company also prides itself on being a trusted partner in financial empowerment, helping clients make informed decisions that can positively impact their future?

Available Loan Types:

Offering 4 different types of loans

Loan Amount Range:

From less than ₹1 Lakhs to ₹10 Lakhs
Depending on the type of loan

Vikas Patil from Mumbai

"Very good service I have lot issues I get Loan within week."

Siddharth from Mumbai

"Good Experience this finance"

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Shukla Financial Services

Bow Bazar, Kolkata, 700013

2.7/5 Based on 6 Reviews

+08069869822

Loans

Response Time: Within 15 MinsSulekha score: 6.1

Shukla Financial Services, located in Bow Bazar, Kolkata, is a trusted financial service provider with over four years of experience in the industry. They specialize in offering a variety of loan options, including personal loans, business loans, and private finance loans, tailored to meet the specific needs of their clients. Known for their customer-centric approach, Shukla Financial Services ensures quick processing times, making them a reliable choice for those in urgent need of financial assistance. Their services are designed to help individuals and businesses make informed financial decisions, contributing to their growth and success in the long term

Available Loan Types:

Offering 3+ different types of loans

Loan Amount Range:

From ₹1 Lakhs to ₹15 Lakhs and above
Depending on the type of loan

Sanju nayak from Kolkata

"Good good good good good good "

Rupam Naha from Kolkata

"I Found One good Loan provider In Kolkata, That is Shukla Financial Service, Bow Bazar, Their service was really goods, They provided me with a Personal loan, I got a loan for 60000. I am really happy with this Loan Provider."

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Pradeep Investment Consultant

Shivaji Nagar, Pune, 411004

( Also serves in Kolkata )

+08035428437

Loans Construction Loans Structural Adjustment Loans

Response Time: Within 30 Mins Sulekha score: 6.3

Welcome to Pradeep Investment Consultant, your one-stop destination for all your loan needs. Whether it's a home loan, mortgage loan, project loan, or unsecured loan, we have got you covered. Our team of experts will guide you through the entire process and help you choose the best option for your financial needs. With over 10 years of experience in the industry, we have successfully helped thousands of customers achieve their financial goals. Our services include private finance loans, business loans, and personal loans ranging from 6-15 lakhs. We also offer loans against property, rent receivables, cash credit, and overdraft. Visit us today at our Ganeshkhind location and take the first step towards securing your financial future.

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Shri Shyam Investment Consultancy

Rohini, Delhi, 110085

( Also serves in Kolkata )

2.0/5 Based on 1 Reviews

+08069875154

Loans

Response Time: More than 60 MinsSulekha score: 7

Shri Shyam Investment Consultancy, located in Rohini, Delhi, is a comprehensive financial service provider specializing in a wide range of loan services. They offer various types of loans, including home loans, mortgage loans, project loans, unsecured loans, personal loans, and business loans. The firm is known for its personalized approach, with experienced professionals guiding clients through the loan process to find the best solutions tailored to their financial needs. With several years of experience in the industry, Shri Shyam Investment Consultancy has established a reputation for providing reliable and efficient financial services in the region?

Available Loan Types:

Offering 15 different types of loans

Loan Amount Range:

From ₹1 Lakhs to ₹1 Crore
Depending on the type of loan

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Mudra Finance Services

Devi Road, Mainpuri, 205001 ( Also serves in Kolkata )

Loans Construction Loans Structural Adjustment Loans

Sulekha score: 6.8

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Dilip Kumar

Chamarajapuram, Mysore, 570004 ( Also serves in Kolkata )

Loans Construction Loans Structural Adjustment Loans

Sulekha score: 6.5

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Credit Cares

Ultadanga, Kolkata, 700067

5.0/5 Based on 234 Reviews

+08035426813

Loans Construction Loans Loan against Mutual Funds

+3 more

Sulekha score: 5.1Years of Experience: 13

Suprakash Mondal from Kolkata

"I need education Loan for education purpose. "

Basanta Das from Kolkata

"Nice beter loan amount sulekha"

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Enquire Now

Ankush Srivastava

Dalhousie, Kolkata, 700030

Loans Construction Loans Structural Adjustment Loans

Working hours: 11 AM to 8 PM

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Ayan Enterprise

Park Street, Kolkata, 700017

5.0/5 Based on 1 Reviews

Loans

Sulekha score: 6.9Working hours: 10 AM to 10 PM

Welcome to Ayan Enterprise - your one stop solution for all loan needs. Our business has been serving the community for over 10 years, offering a wide range of loan options to help you achieve your financial goals. Our dedicated team of experts is committed to providing personalized and hassle-free services to our customers. We specialize in unsecured loans and private finance loans, with flexible options for amounts ranging from less than 1 lakh to 5 lakhs. Our convenient location in Park Street makes it easy for you to access our services. Come visit us during our working hours to explore our loan options and embark on your journey towards financial stability.

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Why Choose Sulekha?

Sulekha is your go-to platform for finding a wide variety of loan providers catering to diverse financial needs such as personal loans, car loans, private finance loans, vehicle loans, mortgage loans, education loans, and more. With Sulekha, you gain access to a comprehensive network of reputable lenders, ensuring you find the perfect match for your specific requirements. The platform simplifies your search process, saving you time and effort by connecting you with trusted professionals who can offer tailored loan solutions. Choose Sulekha for a seamless and efficient loan-seeking experience.

1. When to Consider Taking Out a Private Finance Loan?

Debt Consolidation: Combining multiple high-interest debts into a single loan can simplify repayment and potentially reduce overall interest costs, making debt management easier.
Home Improvement Projects: Financing renovations or repairs can enhance living conditions and potentially increase your home's resale value, turning your investment into a long-term benefit.
Major Purchases: Funding significant one-time purchases like appliances or furniture with a loan allows you to spread the cost over time, making expensive items more affordable.
Unexpected Expenses: Private loans can provide immediate access to funds for emergencies such as medical bills or car repairs, ensuring you can handle urgent financial needs.
Education Expenses: Financing tuition and other education-related costs through a loan can be an investment in your personal development and future earning potential.
Business Ventures: Obtaining capital for starting or expanding a business can support growth and generate future income, helping you achieve your entrepreneurial goals.
Special Occasions: Using a loan to fund significant life events like weddings or vacations can help create memorable experiences without immediate financial strain.

2. Eligibility Criteria for Private Finance Loan?

Credit Score: A good credit score is essential. Most private lenders prefer borrowers with a score of at least 650, though some may consider lower scores with higher interest rates. A strong credit history indicates reliability and lowers the risk for lenders.
Income and Employment Status: Proof of steady income is crucial. Lenders will often ask for recent pay stubs, tax returns, or bank statements. Self-employed individuals may need to provide additional documentation such as business tax returns and financial statements to verify their income.
Debt-to-Income Ratio (DTI): This ratio compares your monthly debt payments to your gross monthly income. A lower DTI ratio, generally below 40%, indicates better financial health and a higher ability to manage additional loan repayments without financial strain.
Collateral: For secured loans, lenders require collateral such as property, a car, or other assets. The value and type of collateral can affect the loan amount and terms, offering security to the lender in case of default.
Loan Purpose: Some private lenders may ask about the purpose of the loan, such as home improvement, debt consolidation, or business investment, to assess the risk and ensure the funds are used for a viable and productive purpose.
Age and Residency: Borrowers must be legal adults, typically 18 or 21 years old depending on the lender and jurisdiction. Proof of residency is also required to establish the borrower’s legitimacy and stability.
Bank Account: A valid bank account is often necessary for the disbursement of funds and automatic repayments. This ensures smooth financial transactions and helps in maintaining a record of payments.
Financial History: A review of financial history, including any past bankruptcies, defaults, or delinquencies, is common. This helps lenders assess the borrower's reliability and the risk associated with lending to them.
Guarantor or Co-signer: Some lenders may require a guarantor or co-signer, especially if the borrower’s credit score or income does not meet the required standards. A co-signer can provide additional assurance to the lender by taking responsibility if the borrower defaults.
Loan Amount and Term: The requested loan amount and term can influence eligibility. Higher loan amounts or longer terms may require stricter evaluation to ensure that the borrower can manage the repayment over time without financial difficulties.

3. What are the Benefits and Advantages of a Private Finance Loan?

Flexible Eligibility Criteria: Private lenders have more flexible criteria, making it easier for individuals with lower credit scores or non-traditional income sources to qualify. They can also tailor loan terms and structures based on the borrower’s specific needs.
Speed and Convenience: Private finance loans typically offer faster approval and disbursement times, often within days compared to weeks or months for bank loans. The application process usually involves less paperwork, simplifying and speeding up the process.
Personalized Service: Borrowers often have direct access to decision-makers or loan officers, allowing for more personalized service and negotiation of terms. Private lenders can provide customized loan solutions that meet the unique needs of the borrower.
Flexible Terms and Conditions: Interest rates, repayment schedules, and other loan terms are often more negotiable with private lenders. They offer various types of loans such as secured, unsecured, short-term, and long-term, catering to different financial needs.
Higher Loan Amounts: Depending on the lender and the borrower’s relationship with them, private finance loans can provide access to larger sums of money than what might be available through traditional banks.
Collateral Options: Private lenders may accept a wider variety of assets as collateral, including real estate, personal property, or future receivables, providing more flexibility for borrowers.
Credit Building: Successfully managing and repaying a private finance loan can help improve the borrower’s credit score, making it easier to obtain traditional financing in the future.
Confidentiality and Privacy: Private loans often involve more discretion and privacy compared to public bank loans, which can be important for borrowers who value confidentiality.
Specialized Financing: Private lenders often serve niche markets or specialized financial needs that traditional banks may not cater to, such as startup financing, real estate investments, or short-term bridge loans.

4. Important Factors to Consider When Taking a Private Finance Loan?

Interest Rates: Evaluate whether the loan offers a fixed or variable interest rate, as fixed rates remain constant while variable rates can fluctuate. Comparing interest rates from multiple lenders can help you secure the most competitive rate available.
Loan Terms: Understand the repayment period, as longer terms might lower monthly payments but increase total interest costs. Check for flexibility in repayment options such as making extra payments or adjusting the payment schedule without penalties.
Fees and Charges: Be aware of any origination fees for processing the loan application and check for prepayment penalties to ensure there are no costs for paying off the loan early. Also, note any fees for late or missed payments.
Loan Amount: Verify the minimum and maximum loan amounts to ensure they meet your needs and consider the speed at which the lender can disburse the funds, especially if you need the money quickly.
Credit Requirements: Check the lender’s credit score requirements, as higher scores often qualify for better rates and terms. Ensure you meet any minimum credit history length or income stability criteria.
Purpose of the Loan: Make sure the loan type fits your intended use, whether it's for home improvement, debt consolidation, or another purpose. Assess how the loan aligns with your financial goals and long-term plans.
Lender Reputation: Research the lender’s reputation by reading customer reviews and testimonials. Ensure the lender is accredited and follows industry standards and regulations for a trustworthy borrowing experience.
Collateral Requirements: Determine if the loan is secured, requiring collateral, or unsecured. Secured loans might offer lower interest rates but pose a risk of losing the collateral if you default. Understand the valuation process for the collateral if required.
Repayment Capacity: Evaluate your current financial situation to ensure you can comfortably afford the monthly payments. Calculate your debt-to-income ratio to ensure you’re not over-leveraging yourself with the new loan.
Legal and Regulatory Considerations: Carefully read and understand the loan agreement, including all terms and conditions. Be aware of your rights under consumer protection laws to ensure you’re treated fairly throughout the loan process.

5. Private Finance Loan Interest Rates?

Bank Name	Car Loan Interest Rate (p.a.)	Gold Loan Interest Rate (p.a.)	Loan Against Insurance Policy Interest Rate (p.a.)	Machinery Loan Interest Rate (p.a.)
HDFC Bank	7.95% - 8.30%	9.50% - 11.00%	9.80% - 10.20%	10.75% - 12.50%
ICICI Bank	7.90% - 8.50%	9.75% - 11.25%	9.60% - 10.00%	11.00% - 12.75%
State Bank of India (SBI)	7.75% - 8.10%	7.30% - 8.50%	9.10% - 9.90%	10.50% - 12.25%
Axis Bank	7.99% - 8.55%	9.25% - 10.75%	9.70% - 10.10%	10.90% - 12.60%
Punjab National Bank (PNB)	7.85% - 8.25%	8.75% - 10.50%	9.50% - 9.95%	11.20% - 12.90%
Kotak Mahindra Bank	7.75% - 8.40%	9.60% - 11.10%	9.55% - 9.85%	11.00% - 12.80%
Bank of Baroda	7.70% - 8.20%	8.95% - 10.25%	9.45% - 9.85%	10.70% - 12.45%
Yes Bank	7.85% - 8.45%	9.70% - 11.20%	9.75% - 10.15%	11.10% - 12.85%
IndusInd Bank	7.90% - 8.35%	9.85% - 11.35%	9.65% - 10.05%	10.95% - 12.70%
IDBI Bank	7.80% - 8.30%	9.25% - 10.85%	9.60% - 10.00%	11.15% - 12.65%

Please note: Interest rates and fees can vary based on the loan amount, tenure, credit profile of the borrower, and specific bank policies. It is advisable to check with the respective bank for the most accurate and updated information.

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Most Common Questions About Private Finance Loans

1. Who are the best Private Finance Loan providers in Kolkata?

Yashvi Finance, Shukla Financial Services, Pradeep Investment Consultant

2. What documents are required for a Private Finance Loan?

The documents required for a Private Finance Loan typically include identity proof (Aadhar, PAN), address proof (utility bills, rental agreement), income proof (salary slips, bank statements), and recent photographs. Additional documents may be requested based on the lender's requirements.

3. What are the eligibility criteria for a Private Finance Loan?

Eligibility criteria for a Private Finance Loan generally include being an Indian citizen, aged 21-60, with a stable income source. Lenders may also require a minimum credit score and employment in a reputable organization or a stable business.

4. How do I apply for a Private Finance Loan online?

To apply for a Private Finance Loan online, you can apply online with the Sulekha form above with your loan requirements, and connect with the best loan providers that suit your needs. Also you can visit the lender's website, fill out the application form with required details, upload necessary documents, and submit the form. Upon verification, the lender will contact you for further processing.

5. How can I get an instant Private Finance Loan?

To get an instant Private Finance Loan, ensure you meet the lender's eligibility criteria and have all required documents ready. Apply through a lender offering quick disbursals, usually through online platforms with minimal paperwork.

6. What is the percentage rate for Private Finance Loan?

The interest rate for Private Finance Loans varies by lender but typically ranges between 12% to 24% per annum. The exact rate depends on factors like the borrower’s credit score, income, and loan amount.

7. Can I get a Private Finance Loan with a low CIBIL score?

Yes, some private lenders offer loans to individuals with low CIBIL scores, but these may come with higher interest rates and stricter terms. It's advisable to check with the lender for specific requirements.

8. What is the processing fee for a Private Finance Loan?

The processing fee for a Private Finance Loan usually ranges from 1% to 3% of the loan amount, depending on the lender's policies. This fee covers administrative costs and is often deducted from the loan disbursement.

9. Can I get a Private Finance Loan with a bad credit score?

Yes, it is possible to get a Private Finance Loan with a bad credit score, although options may be limited and the interest rates higher. Some lenders specialize in providing loans to individuals with poor credit histories.

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4.3

Based on 102 Reviews

Avtar Singh Saini Bagmari

10 Nov, 2023

Need loan 2 lakh with out any charges for 02 yrs. With out any fee. On of your employee is cheated me.

Jeet Roy Dalhousie

19 Jan, 2020

I want loan against my own car of hyundai santro model 2020 new car price of Rs 500504 I need money of rs 120000 on urgent basis

Rungta Technologies Inc Dalhousie

17 Jan, 2020

Working with The staff at Shree Shyam Financial Services helped me develop my business plan, ideas and brand before getting started, so that I was prepared to open a successful business .They worked extensively with me to help me anticipate some of the issues that my business may face. Not many lenders would go to that length. They have been extremely supportive and a great resource.They have been incredibly helpful to our company by arranging a line of credit for our continued growth...

abir das Rohini

25 Jul, 2019

Maine 1st apply kiye h,achcha review dekh k maine apply kiya,i am very greatfull k is k mujhko join honey ka mauka mila

Anindita Dutta Shyam Bazaar

22 May, 2019

I got very good response from Kayal Finance located at Shyam Bazaar through Sulekha.com. I given requirement for getting private finance and this loan agent contacted me. He took documents and processed the loan within 5 days. I'm satisfied with the response and help by Kayal Finance.

Supriyo mukherjee Dalhousie

17 May, 2019

despite of writing uncountable times you never bothered to call me, powerful post, well secured life and money is the reason of your arrogance, , its for the last 123 days i begged just for a job n some financial help as my own i am qualified but still unemployed, my parents had died, presently we are surviving with some biscuits and water such is our poverty, i am 44 years old neither can i sit for jobs for governmental jobs nor the corporate company willing to hire me, so i requested for a simple job and some financial assistance, is it too much i asked? if i die today out of starvation its a shame to you, not to me, because you failed to give justice to a helpless human ,

VIVEK ROY B.B.D. Bagh

15 May, 2019

i listen it a lone provider a organization,that very help full for like an employe type of student .who want to implement his degree and manage work as well as

Gurcharan Parihar Dalhousie

06 Feb, 2019

Sometimes business events conspire to create a real short term funding crisis. We experienced one of those where investor fund raising would take too long and banks were slow to respond. With time of the essence you can not imagine how delighted I was with the speed and quality of engagement that Staff at Shree Shyam Financial Services provided us in our dark hours of need. They were very responsive in their communication and highly knowledgeable both in their craft and marketplace of lenders to approach. It was a pleasant surprise to get to such a rapid decision point within days. Even when the result was negative, they continued to explore with urgency - solutions for us, truly demonstrating the spirit of going the extra mile. I can only recommend whole heartedly the experience of someone engaging...

Top Private Loan in Kolkata

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Find the Top Private Finance Loan Providers from Sulekha in Kolkata

Top List of 6 Private Finance Loan Providers in Kolkata. Get an instant Personal Loan with low interest rate, Also for personal student loans, private financer, and more. Find the best Private lending loan service providers near your location. as on Dec 03, 2024

Yashvi Finance

Shukla Financial Services

Pradeep Investment Consultant

Shri Shyam Investment Consultancy

Mudra Finance Services

Dilip Kumar

Credit Cares

Ankush Srivastava

Ayan Enterprise

Latest User Reviews for money lenders in Kolkata

Recently Connected Loans Business Partners in Kolkata

Recent Enquiries for private financer in Kolkata

Why Choose Sulekha?

1. When to Consider Taking Out a Private Finance Loan?

2. Eligibility Criteria for Private Finance Loan?

3. What are the Benefits and Advantages of a Private Finance Loan?

4. Important Factors to Consider When Taking a Private Finance Loan?

5. Private Finance Loan Interest Rates?

Most Common Questions About Private Finance Loans

1. Who are the best Private Finance Loan providers in Kolkata?

2. What documents are required for a Private Finance Loan?

3. What are the eligibility criteria for a Private Finance Loan?

4. How do I apply for a Private Finance Loan online?

5. How can I get an instant Private Finance Loan?

6. What is the percentage rate for Private Finance Loan?

7. Can I get a Private Finance Loan with a low CIBIL score?

8. What is the processing fee for a Private Finance Loan?

9. Can I get a Private Finance Loan with a bad credit score?

Tips & Solutions for Applying Loan View All Blogs

Home Buying Trends 2021

Important Things That NRIs Should Know About Home Loan In India

Home Loan Agreement- Important clauses to know!

How To Avoid Rejection Of Your Personal Loan Application