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Personal Loans made simple!

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Choose your employment status to find the Qbera Loan that’s best for you!
I am Salaried (I currently work for a Private Ltd, Public Ltd, Govt., LLP)
I am Salaried (I currently work for a Proprietorship, Partnership Firm)
I am Self Employed (I have my own business)
I am Currently Not Employed
Loan amounts range from Rs.1,00,000 to Rs.15,00,000. APR ranges from 11.99% to 35.99%. Loan lengths range from 12 to 60 months. Administration fee ranges from 1% to 5%.

Personal Loan in Kolkata

Looking for a personal loan in Kolkata a the best interest rates in the market? Qbera offers personal finance options to salaried individuals in Kolkata at affordable rates of interest. Apply for a personal loan in under 3 minutes, get instant loan approval, and get your amount disbursed within 24-48 hours. Minimum income required to apply for personal loans from Qbera is Rs. 18,000 per month (net monthly income) and the minimum credit score required is 600. 

Features and benefits of Personal Loans in Kolkata from Qbera

Super-fast loan processing: When you apply with Qbera, you’ll receive approval within a few seconds – you don’t necessarily have to wait for days to receive approval. Qbera’s proprietary risk-based algorithm assesses various aspects of an individual’s credit profile – score, repayment history, number of sources of credit, etc. and accordingly determines his/her eligibility. If you apply and your profile satisfies Qbera’s internal credit norms, you will receive instant approval on your loan.

Documents for Personal Loans in Kolkata can be submitted online: Once you fill out details – personal, professional and KYC and after your loan application has received approval, the next step requires you to submit your documents. The process here is extremely simple, with Qbera’s advanced platform allowing individuals to upload their supporting documents online, on the website. You’ll be required to submit your KYC documents and income documents. Note that your bank statements can be submitted online as well, by logging in with your internet banking credentials on a secure web platform called Perfios.

Same day document verification: Once you submit your documents, they will be digitally verified on the very same day, post which you will receive final loan approval – at this stage, you will receive your customized loan offer. An executive will visit you to obtain physical copies of your KYC documents only, photographs, and cheque leaves from your bank account (salary account).

Loans for individuals staying in shared accommodations: If you’re currently residing in a shared accommodation, don’t worry! While other lenders might reject you, Qbera does not reject applicants only on the basis of their type of residents. In fact, Qbera offers personal loans to individuals staying in shared accommodations as well.

Personal Loans in Kolkata for those employed with uncategorized companies: If your organization isn’t categorized or listed with most lenders in the market, there’s isn’t anything to stress about – just get your loan from Qbera. Most popular lenders reject applicants employed with uncategorized or unlisted employers.

How to apply for a Personal Loan in Kolkata from Qbera?

  • Visit the Qbera website and fill out your personal and professional details. 
  • Upload your supporting documents and get a customized loan offer. 
  • Submit hard copies of your KYC documents (photocopies), photographs and cheque leaves from your salary account on the very same day. 
  • Accept your customized loan offer and get your loan amount disbursed within 24 hours post that. 

Documents required for a Personal Loan from Qbera

  • Aadhaar Card
  • PAN Card
  • Salary slips for the last 3 months
  • Bank statements for the last 3 months
  • Cheque leaves from your salary account
  • Photographs
View a complete list of our FAQs at our help center

Interest Rate & Other Charges

Interest Rate
11.99% to 35.99%
Processing Fee
1% to 5% of total loan amount
Loan Amount
₹1,00,000 to ₹15,00,000
Loan Tenure
12 to 60 months
Getting a Qbera Smart Loan is Simple
Fill out our online application form
Step 1: Online Application Form
Get approved instantly
Fill out our online application form by answering a few questions about yourself, your employment, your education, expenses and needs. This process would take no longer than 10 minutes.
Connect your Bank Account
Step 2: Connect bank account
Submit your bank statements
Connect securely to your bank via netbanking and submit bank statements as part of the easy loan application form. Alternatively, you can upload bank generated pdf bank statements.
Select your loan term
Step 3: Loan term
Choose your Loan Term
Using our proprietary Credit Scoring Algorithm we determine your loan eligibility in real-time. Our algorithm uses the information about you, to determine your future potential and help you get the best rate instantly.
You’re done! Get the money in your Bank Account as early as tomorrow.
Example: A loan offer of ₹2 lac, for a tenure of 3 years at an interest Rate of 16.6% (on a reducing principal) and a processing fee of 2.5%. Translates to:
  1. Processing Fee deduction of ₹5000 (2.5% of 2 Lacs) from loan amount, thus, the amount credited to your account will be ₹1.95 Lacs
  2. EMI of ₹7091 per month
  3. Total payable amount in 3 years = 36 times ₹7091 = ₹2,55,276
  4. Total Interest paid in 3 years = ₹55,276, hence, annual interest paid = ₹18,425 (which translates to an effective flat annual rate of interest of 9.21%)
Repaying a Qbera Smart Loan is just as Simple
Repay your loan with automatic EMI payments.
  • Age: 21-57 years old
  • Net Monthly Income must be more than Rs. 18,000.
  • No defaults in the last 24 months.
  • Aadhaar Card
  • PAN Card
  • Current Address Proof


"I am really happy that I got a loan from Qbera. My application has been rejected by lenders in the past without giving any explanation for rejection. Qbera approved my loan with minimum documents. Thanks a lot once again."



"I would like to thank Qbera for speedy loan processing. I was having a tough time in deciding which bank would actually take my request for a loan as the loan was supposed to be for credit card payoff. I was forced to use my credit card for an unforeseen expense which I could not avoid and was finding it tough to pay back due to the high interest cost on credit cards. I did not want to make many enquiries as many requests can lower the CIBIL score. I contacted Qbera on a Monday and by evening itself they had an offer for me. They kept me informed through every step of the process and were also flexible with regards to my commitments. In the end, the loan was disbursed within two days of documents submission. Thank you Qbera for simplifying the process and helping me find a loan. " Show more...



"It was a nice experience with Qbera. I have never seen such an easy process for getting a loan, especially when you need it the most. Thank you Qbera for your support."



"I had a hassle-free experience with Qbera. It was a very easy application procedure and in a short span of 3 days I got my loan credited to my account. Thank you so much for the support Team Qbera"



"It was very easy to get a loan from Qbera. I just applied on their website and got a confirmed offer immediately. The amount was transferred soon after. Will give it 5 out of 5"



"It's good and quick response from the Qbera team to get the loan. They are very good at the communicating the things properly and appropriately"

Are you ready to get your Qbera Smart Loan?
Apply Now


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We are a Bangalore-based company offering digital, quick, hassle-free personal loans to people when they need them.

Loan amounts range from Rs.1,00,000 to Rs.15,00,000. APR ranges from 11.99% to 35.99%. Loan lengths range from 12 to 60 months. Administration fee ranges from 1% to 5%.

* Subject to Risk Profile

Need Help?
Contact our support team via WhatsApp by clicking below:

E-mail: contact@qbera.com
Phone: 1800 4198 121
Whatsapp:+91 72080 56906
2nd Floor, Featherlite Vista Building,
MV Jayaram Road,
1st Main, Vasanth Nagar.
Bangalore 560 052

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