Loan Eligibility Calculator in Kolkata — West Bengal Rates 2026
Last updated:
Quick Answer
In Kolkata, home loan eligibility is typically 60× your net monthly salary at 8.5% for 20 years. For example, a net monthly salary of ₹75,000 makes you eligible for approximately ₹45 lakh. With properties averaging ₹6,500/sq ft in Kolkata, this covers roughly 692 sq ft. Check your exact eligibility below.
Max Loan Amount
₹40,33,079
Max EMI Affordable
₹35,000/mo
Based on 50% FOIR (Fixed Obligation to Income Ratio). Banks typically allow up to 50% of salary towards all EMIs combined.
Kolkata — West BengalRates & Data
| Parameter | Value |
|---|---|
| State | West Bengal |
| Stamp Duty (Male) | 7% |
| Stamp Duty (Female) | 7% |
| Registration Charge | 1% |
| Avg Price / sq ft | ₹6,500 |
| Typical Loan Amount | ₹52,00,000 |
| SBI Home Loan Rate (approx) | 8.50% p.a. |
| EMI on ₹50L / 20 yr | ₹43,391/month |
Frequently Asked Questions — Kolkata
How does Loan Eligibility Calculator work for Kolkata?
The Loan Eligibility Calculator for Kolkata uses West Bengal state-specific data where applicable — including stamp duty rates (7% male / 7% female) and registration charges (1%). Enter your specific values in the calculator above for an accurate result.
Are rates different in Kolkata compared to other cities in West Bengal?
Stamp duty and registration charges are set at the state level in India, so Kolkata follows the same West Bengal rates as other cities in the state. However, circle rates (minimum property valuations), municipal taxes, and local service costs differ by city. The calculator uses standardised West Bengal rates for Kolkata.