Personal Loan for Low CIBIL Score or CIBIL Defaulters in Kolkata (2026)
Short answer: You can get a personal loan in Kolkata with a low CIBIL score, but usually only a small amount, at a higher rate, or against security such as gold. Banks and RBI-registered NBFCs check your credit report in almost every case, so treat any Kolkata agent or “private finance” offer that promises one as a warning sign. Start by clearing any overdue loan, then compare offers from lenders registered with RBI. 3,469 NBFCs have a registered office in Kolkata, and you can check any NBFC in India below.
Last verified: 12 October 2026. NBFC counts and names come from RBI’s list of registered NBFCs (as on 30 June 2026) and its list of cancelled registrations. Loan apps come from RBI’s list of Digital Lending Apps (5 October 2026).
What your CIBIL score means to lenders in Kolkata
Lenders in Kolkata use the same credit bureaus as lenders anywhere else in India, and each sets its own cut-off. As a rough guide:
| CIBIL score | What lenders usually think | Realistic options |
|---|---|---|
| 750 and above | Low risk | Most banks and NBFCs, at their better rates |
| 700 to 749 | Acceptable | Many banks and NBFCs; rates may be a little higher |
| 650 to 699 | Borderline | NBFCs and some banks, often for smaller amounts or with a co-applicant |
| 600 to 649 | Risky | Small-ticket NBFC loans, gold loans, loans with a co-applicant or security |
| Below 600, or a current default | High risk | Secured loans (gold, fixed deposit), or fix the report first |
Your score is only one input. Lenders also look at your income, how much of it already goes to EMIs (FOIR), recent missed payments and how many loans you applied for recently.
If you are a CIBIL defaulter in Kolkata
A “defaulter” usually means your report shows an overdue loan, a write-off or a settlement. Lenders treat a loan that is overdue today far more seriously than one that went wrong years ago and has since been repaid.
- Clear or regularise the overdue loan first. Pay it in full if you can, or ask the lender for a payment plan. A closed account reads much better than an open default.
- Avoid “settlement” unless there is no other way. A settled account shows as “Settled” on your report for years, and many lenders treat it almost like a default.
- Check your report for errors. You get one free full report a year from each bureau (CIBIL, Experian, Equifax and CRIF High Mark), and bureaus must resolve disputes within 30 days.
- Use security if you need money now. Gold loans depend mainly on the gold you pledge. RBI caps the loan at 85% of the gold’s value for loans up to ₹2.5 lakh, 80% up to ₹5 lakh and 75% above that. If you do not repay, the lender can auction the gold after due notice.
- Add a co-applicant with a good score and steady income, if someone in your family is willing and understands they will be equally responsible.
- Apply to one lender at a time. Every application is a hard enquiry on your report.
“Without CIBIL check” and “private finance” offers in Kolkata
Searches for loans “without CIBIL check” and “private finance for CIBIL defaulters” in Kolkata usually lead to three kinds of lender, and they are treated very differently by law:
- Banks and NBFCs registered with RBI. They check your credit report and report your loan to the bureaus. Their digital loans must come with a Key Fact Statement (KFS) showing the APR, and the money must go straight into your bank account.
- Licensed private moneylenders, regulated by the state government.
- Unlicensed lenders, including many “cheque-based” private finance offers and unknown loan apps. These are the ones that cause most harm.
In West Bengal, private moneylenders need a licence under the Bengal Money-Lenders Act, 1940. The Calcutta High Court has held that the Act does not apply to NBFCs registered with RBI, which RBI regulates directly.
If someone offers you a loan “without any CIBIL check” in exchange for blank signed cheques, original documents or a large upfront fee, walk away. Blank cheques can be filled in with any amount, and a bounced cheque can lead to a criminal case under the Negotiable Instruments Act. A genuine lender never needs your OTPs, UPI PIN or a fee paid to a personal account.
RBI-registered NBFCs in Kolkata
RBI’s list shows 3,469 NBFCs with a registered office in Kolkata. Most (3,417) are Investment and Credit Companies, and many of these are small companies that do not lend to the public at all. Being registered means a company is allowed to lend under RBI’s rules. It is not a recommendation, and it does not mean the company will lend to you. Separately, RBI has cancelled the registration of 2,439 NBFCs with addresses in Kolkata. A company on that list must not carry on NBFC business.
| In Kolkata | Count |
|---|---|
| Investment and Credit Company | 3,417 |
| Type I | 31 |
| NBFC-MFI (microfinance) | 12 |
| Core Investment Company | 7 |
| Non-Operative Financial Holding Company | 1 |
| Housing Finance Company | 1 |
| Total registered | 3,469 |
| Registration cancelled by RBI | 2,439 |
NBFCs in Kolkata with loan apps on RBI’s list (33)
These Kolkata-registered NBFCs have reported at least one digital lending app or website to RBI. Names in blue open our page with their RBI details and complaint contacts.
Other larger and specialised NBFCs in Kolkata (118)
Middle and Upper layer NBFCs (the larger ones RBI supervises more closely), plus microfinance, housing finance and peer-to-peer lending companies registered in Kolkata.
| NBFC | Type | Layer | Pincode |
|---|---|---|---|
| Adventz Finance Private Limited | ICC | Middle | 700001 |
| Adventz Securities Enterprises Limited | ICC | Middle | 700001 |
| Afsons (India) Private Limited | ICC | Middle | 700013 |
| Altius One Capital & Investments Private Limited | ICC | Middle | 700020 |
| Ambuja Neotia Holdings Private Limited | CIC | Middle | 700160 |
| Antrang Finance Private Limited (As per MCA – Antrang Finance Limited) | ICC | Middle | 700009 |
| Arohan Financial Services Limited | MFI | Middle | 700091 |
| Asish Creations Private Limited | ICC | Middle | 700001 |
| August Agents Limited | ICC | Middle | 700001 |
| Bandhan Financial Services Limited | CIC | Middle | 700091 |
| Bangtesh Enterprises Private Limited | ICC | Middle | 700001 |
| Baroda Agents & Trading Co Private Limited | ICC | Middle | 700001 |
| Basant Properties Limited | ICC | Middle | 700001 |
| Bengal & Assam Company Limited | CIC | Middle | 700001 |
| Birla Brothers Private Limited | ICC | Middle | 700001 |
| Birla Financial Corporation Limited | ICC | Middle | 700001 |
| Brabourne Holdings Private Limited | ICC | Middle | 700001 |
| CD Equifinance Private Limited | ICC | Middle | 700017 |
| Canberra Traders Private Limited | ICC | Middle | 700001 |
| Carbon Finance Limited | ICC | Middle | 700016 |
| Central India Industries Limited | ICC | Middle | 700001 |
| Champaran Marketing Co Limited | ICC | Middle | 700001 |
| Cimmco Vinimay Private Limited | ICC | Middle | 700001 |
| Compact Advertising & Credit Private Limited | ICC | Middle | 700017 |
| Consortium Enterprises Private Limited | ICC | Middle | 700001 |
| Deepshikha Trading Company Private Limited | ICC | Middle | 700001 |
| Deevee Commercials Limited | ICC | Middle | 700013 |
| Dhunseri Investments Limited | ICC | Middle | 700020 |
| Didu Investments Private Limited | ICC | Middle | 700001 |
| Digvijay Finlease Limited | ICC | Middle | 700001 |
| Divya Management Limited | ICC | Middle | 700001 |
| Diwakar Finvest Private Limited | CIC | Middle | 700107 |
| Dorite Tracon Private Limited | ICC | Middle | 700072 |
| East India Investment Co Private Limited | ICC | Middle | 700001 |
| Emerald Company Private Limited | ICC | Middle | 700016 |
| GPT Sons Private Limited | CIC | Middle | 700098 |
| Glaxo Finance Private Limited | ICC | Middle | 700001 |
| Govind Commercial Company Limited | ICC | Middle | 700160 |
| Guru Ganesh Finance (India) Limited | ICC | Middle | 700001 |
| Gwalior Finance Corporation Limited | ICC | Middle | 700001 |
| Gwalior Webbing Co Private Limited . | ICC | Middle | 700001 |
| HM Export Limited | ICC | Middle | 700001 |
| Hargaon Investment & Trading Co. Limited | ICC | Middle | 700001 |
| Image Vinimay Private Limited | ICC | Middle | 700017 |
| Insilco Agents Limited | ICC | Middle | 700001 |
| Kalpataru Housefin & Trading Private Limited | ICC | Middle | 700072 |
| Kaypee Mercantiles Private Limited | ICC | Middle | 700017 |
| Keertana Finserv Limited | ICC | Middle | 700016 |
| Kiran Vyapar Limited | ICC | Middle | 700022 |
| Laneseda Agents Limited | ICC | Middle | 700001 |
| Magma Ventures Private Limited | ICC | Middle | 700016 |
| Mahalaxmi Marketing Private Limited | ICC | Middle | 700001 |
| Manali Properties & Finance Private Limited | ICC | Middle | 700017 |
| Manavta Holdings Limited | ICC | Middle | 700001 |
| Manbhawani Investment Limited | ICC | Middle | 700001 |
| Manna Krishna Investments Private Limited | ICC | Middle | 700001 |
| Maryada Barter Private Limited | ICC | Middle | 700001 |
| Meenakshi Mercantiles Limited | ICC | Middle | 700020 |
| Mint Investments Limited | ICC | Middle | 700020 |
| Mundat Securities And Services Private Limited | ICC | Middle | 700013 |
| N B I Industrial Finance Co Limited | ICC | Middle | 700001 |
| Naga Dhunseri Group Limited | ICC | Middle | 700009 |
| Narantak Dealcomm Limited | ICC | Middle | 700020 |
| Neoworth Commercial Private Limited | ICC | Middle | 700020 |
| Newa Investments Private Limited | ICC | Middle | 700001 |
| Novel Suppliers Private Limited | ICC | Middle | 700020 |
| O S M Investment & Trading Co. Limited | ICC | Middle | 700001 |
| PAN Emami Cosmed Limited | ICC | Middle | 700107 |
| Pilani Investment and Industries Corporation Limited | CIC | Middle | 700001 |
| Pragya Mercantile Private Limited | ICC | Middle | 700017 |
| Punjab Produce Holdings Limited | ICC | Middle | 700001 |
| Quest Capital Markets Limited | ICC | Middle | 700001 |
| R T M Investment & Trading Co. Limited | ICC | Middle | 700001 |
| Ragini Finance Private Limited | ICC | Middle | 700001 |
| Rainbow Investments Limited | ICC | Middle | 700001 |
| Rajasthan Industries Limited | ICC | Middle | 700001 |
| Rajesh Vanijya Private Limited | ICC | Middle | 700001 |
| Ranchi Enterprises & Properties Limited | ICC | Middle | 700001 |
| Ronson Traders Limited | ICC | Middle | 700001 |
| Russell Credit Limited | ICC | Middle | 700071 |
| Russell Investments Limited | ICC | Middle | 700072 |
| S C M Investment & Trading Co. Limited | ICC | Middle | 700001 |
| SREI Equipment Finance Limited | ICC | Middle | 700046 |
| SREI Infrastructure Finance Limited | ICC | Middle | 700046 |
| Sahara Housingfina Corporation Limited | HFC | Middle | 700014 |
| Santosh Industries Limited | ICC | Middle | 700017 |
| Shital Commercial Limited | ICC | Middle | 700001 |
| Shree Capital Services Limited | ICC | Middle | 700001 |
| Shree Laxmi Agents Limited | ICC | Middle | 700016 |
| Sidh Enterprises Limited | ICC | Middle | 700001 |
| Spotboy Tracom Private Limited | ICC | Middle | 700001 |
| Stable Trading Co Limited | ICC | Middle | 700020 |
| Subham Capital Private Limited | ICC | Middle | 700072 |
| Sudha Apparels Limited | ICC | Middle | 700020 |
| Sukaram Marketing Limited | ICC | Middle | 700071 |
| Suraj Finvest Private Limited | CIC | Middle | 700107 |
| The Didwana Investment Company Limited | ICC | Middle | 700001 |
| The Punjab Produce &Trading Co Private Limited | ICC | Middle | 700001 |
| The Venktesh Co Limited | ICC | Middle | 700001 |
| Trilochan Vyapaar Private Limited | ICC | Middle | 700001 |
| Udaipur Cotton Mills Company Limited | ICC | Middle | 700020 |
| Universal Trading Company Limited | ICC | Middle | 700001 |
| Uttam Commercial Limited | ICC | Middle | 700001 |
| VM Vinimay Private Limited | ICC | Middle | 700020 |
| Vandana Griha Nirman Limited | ICC | Middle | 700007 |
| Vedika Credit Capital Limited | MFI | Middle | 700121 |
| West Bengal Infrastructure Development Finance Corpn | ICC | Middle | 700001 |
| Yashovardhan Investment & Trading Co Limited | ICC | Middle | 700001 |
| Asa International India Microfinance Limited | MFI | Base | 700091 |
| Destiny Finco Private Limited | MFI | Base | 700157 |
| Grameen Shakti Microfinance Services Private Limited | MFI | Base | 700031 |
| Jagaran Microfin Private Limited | MFI | Base | 700001 |
| Janakalyan Financial Services Private Limited | MFI | Base | 700064 |
| Sarwadi Finance Private Limited | MFI | Base | 700017 |
| Servitium Micro Finance Private Limited | MFI | Base | 700118 |
| Uttrayan Financial Services Private Limited | MFI | Base | 700064 |
| VFS Capital Limited | MFI | Base | 700057 |
| Wegrow Financial Services Private Limited | MFI | Base | 700049 |
Check any NBFC in Kolkata
Search RBI’s registered and cancelled lists (3,469 registered and 2,439 cancelled in Kolkata). You can change the city filter to search all of India.
For every NBFC in India, see the full RBI-registered NBFC list and the list of cancelled NBFCs. To check a loan app, use our RBI loan app list.
How much can you borrow?
With a low score, the amount you are offered depends more on your income and existing EMIs than on the city you live in. Most lenders stop when your EMIs reach about 50% to 60% of your take-home pay. Check where you stand:
Can you afford the EMI? Quick FOIR check
Lenders look at how much of your take-home pay already goes to EMIs (FOIR). Figures stay in your browser.
Living in Kolkata with a low CIBIL score? Share a few details and see which personal loan options could work for your salary.
Before you apply
- Check the lender in our NBFC list or digital lender list, and the app in our loan app list.
- Read the KFS: APR, processing fee plus 18% GST, total amount payable and the due dates.
- Make sure the money comes into your own bank account, from the lender.
- Never pay an upfront “approval” fee, and never share OTPs, passwords or your UPI PIN.
- Do not give a loan app access to your contacts or photos.
- If recovery agents threaten you or call your family, read your rights against loan app harassment. For cyber fraud, call 1930 or report at cybercrime.gov.in.
Low CIBIL score guides for other cities
Near Kolkata: Bhubaneswar · Jamshedpur
Major cities: Mumbai · Delhi · Bengaluru · Hyderabad · Ahmedabad · Chennai · Surat · Pune · Jaipur
All 40 city guides
See what each score can get: 550 · 600 · 650 · 700 · loans for CIBIL defaulters.
How much can you borrow on your salary? ₹15,000 · ₹20,000 · ₹25,000 · ₹30,000 · ₹40,000 · ₹50,000 · FOIR guide and Excel calculator.
Frequently asked questions
Can I get a personal loan in Kolkata if I am a CIBIL defaulter?
Yes, but your options are limited until the default is resolved. Secured loans such as gold loans are the most realistic. Clearing or regularising the overdue account, and then repaying any new loan on time, does more for your chances than applying to many lenders.
Is there a personal loan in Kolkata without a CIBIL check?
Not in any meaningful way. Banks and RBI-registered NBFCs check your credit report in almost every case, and report the loan to the bureaus. Some lenders accept a short credit history or a lower score if your income is steady. Anyone who promises “no CIBIL check” in return for blank cheques or an upfront fee is likely to be an unlicensed lender.
Is private finance in Kolkata safe?
It depends who is lending. Check whether the company is on RBI’s registered list (search above) or holds a state moneylender licence. Avoid lenders who ask for blank signed cheques, original documents or fees paid to a personal account.
How do I check if a finance company in Kolkata is registered with RBI?
Search its name, CIN or pincode in the tool above. It shows whether the company is on RBI’s current list of registered NBFCs or on the list of NBFCs whose registration RBI has cancelled.
Which lenders give loans with a low CIBIL score?
Lenders do not publish minimum scores. Our list of 105 instant loan apps for low credit score shows the RBI-listed apps, their lenders and the APR each discloses, so you can compare before you apply.
About this page
We built this page from RBI’s published lists: registered NBFCs (as on 30 June 2026), NBFCs whose registration was cancelled, and Digital Lending Apps reported by regulated lenders. We placed each NBFC in Kolkata using the pincode in its registered address, so companies with only a branch in Kolkata are not counted. State law references are a short summary, not legal advice.
Disclosure: FundsTiger (Gatimaan Finance Advisors Pvt. Ltd.) is a loan marketplace and lending service provider for RBI-regulated lenders. Aparampaar Finance Pvt. Ltd. (Omozing), one of those lenders, is a related party of FundsTiger. This article is general information, not financial advice. Read your loan agreement and KFS before you decide.