Kolkata (Calcutta) is an ancient city which is located just above the Bay of Bengal, where India and Bangladesh meet at the many mouths of the holy Ganges on India's east coast. Kolkata is capital city of West Bengal and was the former capital of British India.

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The interest rates offered also vary, depending on factors like age of the consumer, total family income, tenure of the loan, other assets held and credit-worthiness, judging from past transactions.