PaySense and LazyPay, PayU’s consumer lending business, merge to build a full-stack digital lending platform in India.Learn morehttps://corporate.payu.com/news/payu-consolidates-india-digital-credit-offering/

Instant Personal Loan In Kolkata

Loans for all personal needs

Get Instant Personal Loan up to ₹5 Lakhs Easily

100% Safe & Secure
100% Safe & Secure
Instant Process
Instant Process
Personal Loans in Kolkata from PaySense
Use the EMI Calculator to check plans

Loan Amount

₹1,30,000Edit
₹5,000
₹5,00,000
Loan Term
ROI
EMI (per month)
Total interest
*The tenures shown here are indicative. Actual tenures may vary depending on your eligibility.
*The ROIs shown here are indicative
See EMI Plans  
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Great app. It does what it says and can be of very help to get personal loans online. It’s absolutely wonderful. Looking forward to have a long term association with you guys.
Get Instant Personal Loan In Kolkata now
The rise in the popularity of personal loans can be attributed to two critical factors; one, increasing competition in the industry and two, enhanced financial awareness in public. Improved access to digital services, alongside the simple application process, has resulted in people availing personal loans in record numbers. PaySense offers online personal loans in Kolkata up to ₹5,00,000 at affordable rates.
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Do you think a personal loan needs too much effort ?

Getting a personal loan was never this easy

Instant personal loans
Instant personal loans
Get instant personal loans from ₹5000 to ₹5 lakh to fit all your needs and dreams
Quick Approvals & Disbursals
Quick Approvals & Disbursals
Get prompt loan approval and money in your account
Paperless Documentation
Paperless Documentation
Upload pictures of you KYC documents and sign your loan application digitally
Affordable EMI plans
Affordable EMI plans
Easy to manage EMI plans with reminders and auto-debit features so that you don’t miss out on timely payments
One-click subsequent personal loans
One-click subsequent personal loans
Need another loan from PaySense? With one-time documentation, it’s just a click away. No further checks required
Zero Credit History
Zero Credit History
Never taken a personal loan previously? It’s okay - we serve the users who are new to credit and lending system.

It just takes three simple steps to get an instant personal loan online!

1
Check eligibility and select a personal loan plan
Fill in a few basic details to check your eligibility for PaySense instant personal loans and get a Credit Line. A Credit Line is the total amount of loan you can get from PaySense. Once you get your Credit Line, you can choose the loan amount. Choose the best combination of loan duration and EMIs to select your loan plan.
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2
Upload KYC Documents
To get your personal loan approval, you have to upload a few documents to complete your KYC. You are also required to sign the loan agreement and a NACH form to enable auto-deduction of EMIs. NACH stands for National Automated Clearing House is a centralised web-based payment system, regulated and supervised by Reserve Bank of India (RBI) for bulk money transactions. NACH form ensures that you don’t miss on your EMI payments and impact your credit score negatively. The best part – the entire process is paperless. Once you upload all required documents, you get an approval within 2 working hours.
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3
Get your money
Once your personal loan is approved and the application procedure is complete, your money will be directly transferred to your account quickly. It is that easy to get instant personal loan with Gopaysense.
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Check eligibility and select a personal loan planUpload KYC DocumentsGet your money

Things to Know

Now get a loan on your own terms with our flexible EMI options and take control of what & when you pay

Eligibility Criteria options

Eligibility Criteria

Documents Required options

Documents Required

Credit Score options

Credit Score

EMI Calculator options

EMI Calculator

Over 2,56,664 loans disbursed-happy customers

With a continously growing community of happy customers we are disbursing more loans every minute.

testimonial-illustration
  • I want to say you many many thanks to your app and your team. You are best loan provider and I wanna be your long time user/customer. Your customer support is awesome and loan process is excellent.
    Alok Pandey, Mumbai
  • My experience with paysense has been a seemless and a good one. Paysense helped a lot in clearing of my bills and at an affordable rate which i can manage per month. I would highly recommend this to my friends. Happy Paysensing 😁
    Prateek Choudhary, Mumbai
  • Excellent Service. Better than Banks ...easy documenation and less paper works and team also very supportive. I would suggest go for this app instead of any banks for loans
    Ranjan H S, Mumbai
  • This is my 1st ever app review and Paysense has earned it. They kept their word and within 5 hrs of my application I got my loan amount on my account. This was crazy, no hassle at all. Working at office and getting the loan done was like a magic
    Clement Rajesh, Mumbai
  • I want to say you many many thanks to your app and your team. You are best loan provider and I wanna be your long time user/customer. Your customer support is awesome and loan process is excellent.
    Alok Pandey, Mumbai
PaySense app screenshots
Download the PaySense App
Enjoy a faster & easier loan application process with our Android App

Disbursed till date

App Downloads

Loans Disbursed

We offer personal loans in all the major cities across India

Available in 300+ cities

24 Parganas
Agra
Ahmedabad
Ahmednagar
Allahabad
Almora
Anand
Bankura
Bengaluru
Bharuch
Bhopal
Bhubaneswar
Chandigarh
Chennai
Coimbatore
Cuttack
Dehradun
Delhi
Ernakulam
Faridabad
Gandhinagar
Ghaziabad
Ghazipur
Goa
Gorakhpur
Guntur
Gurugram
Haridwar
Hyderabad
Indore
Jabalpur
Jaipur
Jamshedpur
Jaunpur
Jodhpur
Karnal
Kolkata
Kota
Kottayam
Kumbakonam
Kurukshetra
Ludhiana
Madurai
Medak
Meerut
Mehsana
Mohali
Mumbai
Mysuru
Nadia
Nagpur
Nainital
Nashik
Navi Mumbai
Nellore
Prakasam
Purulia
Ranchi
Saharanpur
Salem
Sangli
Satara
Thiruvallur
Thiruvananthapuram
Tiruchirappalli
Tirunelveli
Tiruppur
Tuticorin
Varanasi
Visakhapatnam
West Godavari
and many more

Frequently asked Questions

Now get a loan on your own terms with our flexible EMI options and take control of what & when you pay

General Questions
About PaySense
Loan Eligibility
Loan Application Process
Fees and Charges
Loan Repayment
User Security
Customer Support
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Do I have to submit a copy of my ITR while applying for a loan from PaySense?

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Do I have to submit my salary slip while applying for a loan from PaySense?

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What if I don’t have one of the KYC documents?

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I currently reside in a city where PaySense is not present. What do I do?

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What is PaySense?

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Which banks and NBFCs have you partnered with?

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Is taking a personal loan a good idea?

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What is the maximum amount of personal loan I can get from PaySense?

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What can I use my personal loan for?

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How would PaySense personal loan impact my credit score?

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Am I eligible for a PaySense personal loan?

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I am self-employed. Will you give me a PaySense personal loan?

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I have zero credit score. Will you give me a PaySense personal loan?

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How do you decide my credit line?

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I need a loan of higher amount than you approved. Can my credit line be changed?

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What documents are required to get a PaySense personal loan?

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How do I apply for a PaySense personal loan?

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How much time would it take to complete my loan application once I have installed the app?

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How much time would it take to get the loan approval once I have completed the loan application?

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After uploading all the documents, why was my loan application rejected?

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When can I get my money after loan approval?

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Are there any hidden fees?

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How much processing fees do you charge?

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How much interest rate do you charge on personal loans?

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Are there any extra charges on late payments?

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What are loan foreclosure / pre-payment charges?

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How can I pay back my loan?

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What is a pre-EMI?

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Can I reschedule my EMI date?

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What happens if I miss my EMI on due date?

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While paying my EMI, the amount was deducted from my bank account, but it’s not showing on the PaySense app. Where did my money go?

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I want to close my loan earlier than the schedule loan tenure. What is the loan foreclosure process?

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What happens if I don’t pay back?

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My loan has been paid successfully. How do I get my No Objection Certificate (NOC)?

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Is PaySense safe?

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You ask for my internet banking details? How safe is it?

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I had checked my credit line from PaySense earlier but uninstalled the app. Now that I need a loan, do I have to start a fresh application?

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My loan application process is incomplete, but my phone got switched off. Do I have to start the application process again?

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I am getting a “Signature not verified” error after e-signing a document. What do I do?

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My netbanking access has been temporarily disabled. What do I do?

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How do I update my contact details (mail ID, phone number, address) in my PaySense account?

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How can I contact your team if I need any assistance?

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When will you support iPhone and Windows phones?

Apply for loans of upto ₹5 lakhs easily using your phone or laptop, and pay back on low EMIs
Get a Personal Loan Now

Instant Personal Loan In Kolkata

An important financial, educational, cultural, and commercial hub of India, Kolkata is a beautiful city in India. Take a fast and easy personal loan in Kolkata with PaySense.

You can take personal loans for various reasons like buying a vehicle, home repairs , medical emergencies, weddings, buying consumer durable items, etc. Personal loans are versatile, multifunctional, and quite handy for all kinds of emergency requirements.

You can avail of personal loans up to Rs. 5,00,000 with PaySense. You can use the instant personal loan in Kolkata to take care of any of your sudden expenses or consolidate debts. Find out more about the steps to apply for the online personal loan in Kolkata, personal loan eligibility, and documents required for personal loan here.

Personal Loan Eligibility Criteria in Kolkata

To get an instant personal loan in Kolkata, you must be eligible for it. You are required to fulfil the following eligibility criteria to get a personal loan from PaySense:

  • Your age must range from 21 years to 60 years
  • You can be a salaried employee or a self-employed professional
  • Your minimum monthly income must be Rs. 18,000 to get an instant personal loan in Kolkata whether you are a salaried employee or a self-employed professional
  • You must be a resident of India
  • PaySense is active in 60+ cities, including Kolkata. You can visit gopaysense.com to see the list of all the cities we are active in

Documents Required for Personal Loan in Kolkata

To quickly avail of a personal loan, have some documents handy. Below are the documents required to get a personal loan in Kolkata from PaySense:

  1. Income proof: Last three months bank statements
  2. Identity proof: PAN Card/Aadhaar Card
  3. Address proof: Aadhaar Card/Rental Agreement/Utility Bills/Postpaid Bills
  4. A selfie

How to Apply for Personal Loan in Kolkata

You can apply for a personal loan in Kolkata with these three simple steps:

1. Check your eligibility and select a personal loan plan

Fill in the necessary details and check your eligibility to get instant personal loans from PaySense. You will receive your Credit Line, which is the total loan you can get from PaySense. You can choose the loan amount and a combination of loan duration and EMIs once you get the Credit Line.

2. Upload KYC documents

You are required to upload some documents to complete your KYC and get approval for your loan. You are required to sign the NACH form for the auto-deduction of EMIs and the loan agreement. Once you upload the required documents, you’ll get approval for your personal loan within two working hours. The entire process is paperless.

3. Get your money

As your application procedure is completed and the loan is approved, the loan amount is directly transferred to your account. It is thus easy to get an instant personal loan in Kolkata with Gopaysense.