Buying a house is almost always the biggest financial transaction of a lifetime. Very few people can fund it entirely on their own due to the high cost of the asset. The Kalna Town Credit Co-operative Bank offers you attractive home loans to help finance your house purchase with minimal paperwork and speedy approvals.
Whether you are a salaried employee, a self-employed professional, or a business person — our flexible loan structure ensures you get the right amount at the right rate, customised to your repayment capacity and financial goals.
With easy documentation, speedy approvals, and excellent customer support, KTCCB provides you with every reason to trust us with your home financing journey.
Build a new house, flat or bungalow on your own plot.
Purchase an existing flat or house (up to 15 years old).
Renovate, repair or extend your existing home.
Buy a residential plot and construct simultaneously.
Must be in permanent employment for a minimum of 2 continuous years.
Professionals or business persons with sound & documented financial position.
Close relatives — spouse, parents, siblings — eligible as co-applicants to enhance eligibility.
| Parameter | Details |
|---|---|
| Minimum Age | 21 years |
| Maximum Age | 65 years at loan maturity |
| Minimum Loan | ₹1,00,000 |
| Maximum Loan | Based on repayment capacity & property value |
| Minimum Tenure | 1 year |
| Maximum Tenure | 20 years |
| Security | Mortgage of the property to be financed |
| Margin | Minimum 20% contribution by borrower |
Please carry self-attested copies of all documents. Originals may be required for verification.
Interest rates are subject to revision at the discretion of the Board of Directors. The rates below are indicative. Please contact the branch for the latest effective rate.
| Loan Amount Slab | Rate of Interest (p.a.) | Type |
|---|---|---|
| Up to ₹10 Lakh | 8.50% | Reducing Balance |
| ₹10 Lakh – ₹30 Lakh | 9.00% | Reducing Balance |
| Above ₹30 Lakh | 9.50% | Reducing Balance |
| Charge Head | Amount / Rate |
|---|---|
| Processing Fee | 0.50% of loan amount (min ₹500) |
| Documentation Charges | As per actuals |
| Prepayment Penalty | Nil (own funds) / 2% (refinanced) |
| Legal & Technical Charges | As per actuals |
| Stamp Duty & Registration | As per State Govt. norms |
| Insurance | Recommended — optional for borrower |
Trusted by thousands of families in Purba Bardhaman since our establishment.
48-hour sanction guarantee on complete documents.
Best-in-class rates starting from 8.50% p.a.
Simple paperwork — no unnecessary bureaucracy.
Dedicated loan officer assigned to every applicant.
Fully compliant, transparent and trustworthy.
Custom loan structure to suit your financial profile.
Our banking experts are ready to help you choose the right scheme.
