Best 2BHK Flats in Kolkata under INR 1 Crore

Introduction

Kolkata’s real estate market has evolved into one of India’s most promising investment hubs in recent years. With infrastructure advancements, metro expansions, and a thriving IT and education sector, the city is steadily becoming a magnet for homebuyers and investors alike. Whether looking for your dream home or a stable investment opportunity, Kolkata offers various options tailored to every budget and lifestyle.

Among all property choices, 2 BHK flats in Kolkata under ₹1 crore have emerged as the most popular and practical pick. They strike the perfect balance—affordable enough for first-time buyers and spacious enough to cater to growing families or working professionals. Moreover, 2 BHK units offer better resale value, rental yield, and investment security compared to studio or 1 BHK apartments.

Location plays a crucial role in property appreciation, and Kolkata offers a diverse range of neighbourhoods—from the buzzing tech hubs of Rajarhat and New Town to the peaceful yet connected lanes of Behala, Tollygunge, and Joka. Choosing a project with premium amenities such as a gymnasium, security, clubhouse, landscaped gardens, and proximity to metro stations can significantly boost both lifestyle quality and long-term ROI.

In this blog, we will guide you through the best 2 BHK flats for sale in Kolkata under ₹1 crore, highlight top localities, showcase featured projects available on Get My Ghar, and offer valuable insights to help you make the smartest choice.

Get ready to find a 2 BHK apartment in Kolkata that checks every box—comfort, affordability, and future growth!

Key Takeaways

Here’s what you’ll learn in this detailed guide about buying the best 2 BHK flats in Kolkata under ₹1 crore:

• Top Reasons to Invest Now:

Understand why Kolkata’s real estate market, especially 2 BHK units, is booming in 2025.

• Best Localities for 2 BHK Flats:

Explore prime areas like Rajarhat, New Town, EM Bypass, Behala, and Tollygunge, offering budget-friendly yet high-potential homes.

• Featured 2 BHK Projects:

Get a curated list of premium projects such as DTC Sojon, Greenfield City, Merlin Avana, Siddha Serena, and Atri Aqua—all available through Get My Ghar.

• Essential Buying Tips:

Know what to look for—connectivity, builder reputation, possession timelines, and future growth prospects.

• Kolkata’s Price Trends and ROI Potential:

Learn about the average appreciation rates, upcoming infrastructure developments, and why investing today makes financial sense.

• Real Buyer Experience (UGC Story):

Read a real-life success story of a buyer who secured a 2 BHK dream home through Get My Ghar.

• Pro Tips to Maximise Value:

Smart strategies to choose the right 2 BHK based on lifestyle, location, and tax benefits.

• Common FAQS Answered:

Get clarity on the most asked questions by first-time and seasoned property buyers in Kolkata. 

Now, readers will clearly know what they can expect, making them want to scroll and read further!

Why Now is a Good Time to Invest in a 2 BHK Flat in Kolkata

The year 2025 is shaping up to be a golden opportunity for anyone looking to invest in a 2 BHK flat in Kolkata.
Here’s why smart homebuyers and investors are making their move now:

Massive Infrastructure Development

Kolkata is undergoing a real estate transformation driven by aggressive infrastructure initiatives:

• Metro Expansion: 

Projects like the Joka-Esplanade Metro Line and New Town Metro are connecting emerging residential hubs like Joka, Rajarhat, and EM Bypass directly to the city centre.

• Smart City Development: 

Areas like New Town have been declared a Smart City, bringing world-class urban planning, green spaces, and modern amenities.

• New IT and Business Hubs: 

The rapid development of IT hubs around Rajarhat, New Town, and Salt Lake Sector V is creating a strong demand for quality 2 BHK housing.

This combination is boosting property values in connected zones, meaning a 2 BHK flat purchased today could appreciate 20–30% within a few years.

Affordability Compared to Other Metro Cities

While real estate prices in Mumbai, Bangalore, and Delhi NCR have skyrocketed, Kolkata still offers premium gated communities and 2 BHK apartments under ₹1 crore.

• In Mumbai, even a compact 1 BHK can cost ₹1 crore+.
• In Kolkata, buyers can find spacious 2 BHK flats with modern amenities in prime locations like Tollygunge, Rajarhat, Joka, and New Town.

This affordability gap makes Kolkata an undervalued gem for buyers seeking long-term appreciation with lower entry costs.

Tax Benefits, Government Incentives & Attractive Home Loan Rates

• Home Loan Tax Deductions: 

Buyers can claim benefits under Section 80c (principal repayment) and Section 24(b) (interest repayment) — saving up to ₹3.5 lakh annually.

• PMAY Scheme: 

First-time buyers investing in affordable housing can avail of subsidies up to ₹2.67 lakh under the Pradhan Mantri Awas Yojana.

• Reduced GST Rates: 

GST on under-construction properties has been reduced to 5% (without ITC), making under-construction 2 BHKS more attractive.

• Lower Home Loan Rates: 

Many banks are offering home loans starting at 8%–8.5%, making buying even more affordable in 2025.

Together, these government incentives and tax breaks significantly lower the overall cost of owning a home, especially a 2 BHK flat under ₹1 crore.

Positive Price Trends and Future Appreciation

• • Annual Price Appreciation: 

    • Key localities like Rajarhat, New Town, and Joka have witnessed 5–8% annual growth.

• Rental Yields: 

• • With an influx of IT professionals and students, rental yields for 2 BHKS in Kolkata are also growing steadily.

• Upcoming Launches: 

  • Major builders are launching projects in undersupplied areas, indicating bullish developer sentiment. 

A 2 BHK flat purchased today in Kolkata could not only offer great lifestyle benefits but also outperform other asset classes like gold or mutual funds over the next 5–7 years.

Quick Summary:

• Better affordability than other metros
• Strong upcoming infrastructure
• Smart city living
• Tax savings and government support
• Healthy rental demand + long-term price appreciation

Now, this section builds excitement and strongly justifies why readers must act now, using keywords naturally like:
2 BHK flats in Kolkata, affordable housing in Kolkata, metro connectivity, price trends, etc.

Best Localities for 2 BHK Flats Under ₹1 Crore in Kolkata

Kolkata offers an exciting range of localities where you can find affordable 2 BHK flats under ₹1 crore, without compromising on lifestyle, connectivity, or future growth potential.
Here’s a breakdown of the top areas handpicked from Get My Ghar’s Kolkata listings:

Joka: Affordable 2 BHK Flats with Metro Connectivity

• Why Invest: 

  • Rapid development due to the Joka-Esplanade Metro Line and the upcoming social infrastructure

• Property Highlight:

  • DTC Skyler – Premium gated township offering under-construction 2 BHK flats with a rooftop infinity pool, clubhouse, and security.

• Average Price Range: 

         ₹50 lakh – ₹80 lakh

• Ideal for: 

  • First-time buyers and young families seeking gated living at affordable rates.

Behala: Ready-to-Move 2 BHK Options with Great Connectivity

• • Why Invest: 

    • Proximity to South Kolkata, availability of schools, hospitals, and improved metro links.

• Property Highlight:

• • Greenfield City – Ready-to-move 2 BHK flats with world-class amenities, landscaped gardens, and strong resale potential.

• Average Price Range: 

  • ₹65 lakh – ₹90 lakh

• Ideal for: 

  • Immediate movers, senior citizens, and rental investors.

Rajarhat: Upcoming Smart City with Affordable Luxury

• • Why Invest: 

    • IT hubs, educational institutes, and green living make Rajarhat one of the fastest-growing corridors.

• Property Highlights:

• • Atri Aqua – 2 BHK under ₹85 lakh with green landscapes, jogging tracks, and club amenities.

  • Srijan Botanica – Nature-themed township offering affordable 2 BHK apartments with botanical gardens and recreation zones.

• Average Price Range: 

  • ₹60 lakh – ₹90 lakh

• Ideal for: 

  • Working professionals and investors are focused on capital appreciation.

Tollygunge: Premium South Kolkata Location Within Budget

• • Why Invest: 

    • Central location, seamless metro connectivity, and proximity to Alipore, Rashbehari, and Kalighat.

• Property Highlight:

• • Merlin Avana – Nearing possession project offering 2 BHK units with a rooftop garden, skywalk, and top-class amenities.

• Average Price Range: 

  • ₹80 lakh – ₹95 lakh

• Ideal for: 

  • Families looking for a premium address without crossing ₹1 crore.

Howrah (Near Santragachi): Affordable 2 BHK Near Business Hubs

• Why Invest: 

Close to Kolkata via Vidyasagar Setu, upcoming IT parks and industrial zones.

• Property Highlight:

  • Shapoorji Pallonji Joyville – Brand trust + affordable 2 BHK flats in a massive township setup.

• Average Price Range: 

₹70 lakh – ₹90 lakh

• Ideal for: 

IT workers, first-home buyers, and investors.

Quick View Table:

Featured 2 BHK Projects in Kolkata (Under ₹1 Crore)

To make your home search easier, we’ve compiled a list of handpicked 2 BHK flats in Kolkata under ₹1 crore, available through Get My Ghar.
These projects are located in high-demand corridors and offer lifestyle-friendly amenities, connectivity, and future growth prospects.

Curated 2 BHK Properties for Homebuyers in 2025

Each of these projects offers:

• 2 BHK configurations under ₹1 crore
• Modern lifestyle amenities (gym, clubhouse, kids’ play area, security)
• Strategic location advantage in fast-growing corridors
• Builder reputation and RERA-compliant transparency

Whether you prefer a ready-to-move flat like Greenfield City or an under-construction apartment like DTC Skyler with appreciation potential, there’s something for every budget and goal.

Price Trends & ROI Potential of 2 BHK Flats in Kolkata

If you’re buying a 2 BHK flat in Kolkata under ₹1 crore, it’s not just about affordability—it’s about smart investment. The city’s real estate market has shown consistent growth, particularly in the mid-income housing segment, with 2 BHK flats leading the way in both capital appreciation and rental demand.

Average Price Trends (2020–2025)

Rental Yield (2025 Estimates)

ROI Breakdown Example

Property: DTC Skyler – 2 BHK in Joka
Purchase Price (2025): ₹75 lakhs
Annual Rent (Projected): ₹1.8 lakhs
5-Year Appreciation (Est.): ₹25 lakhs

Total Estimated ROI (5 Years): ₹25L (appreciation) + ₹9L (rent) = ₹34L
That’s nearly a 45% return on investment, excluding tax benefits.

Why 2 BHK Flats Offer Higher ROI

• Most demanded configuration in mid-income families & the IT workforce
• Lower EMI burden for salaried buyers = faster resales
• Easier to rent and maintain vs. larger 3 BHK units
• High liquidity in both the resale and rental markets

Whether you’re buying to live or invest, 2 BHK flats under ₹1 crore in Kolkata provide a smart balance of affordability, asset growth, and passive income.

FAQs:

Are there good 2 BHK flats available in Kolkata under ₹1 crore?

Yes. Localities like Joka, Rajarhat, Behala, and New Town offer 2 BHK flats with modern amenities starting from ₹50–90 lakhs. You can explore verified options on Get My Ghar.

Which areas in Kolkata are best for buying a 2 BHK flat under ₹1 crore?

Top localities include:

• Rajarhat: A Smart city with upcoming IT hubs

• Joka: Metro-connected and budget-friendly

• Behala: Well-established infrastructure

• Tollygunge: Central and premium yet affordable options

Should I go for a ready-to-move 2 BHK or an under-construction property?

Ready-to-move flats offer instant possession and no GST, while under-construction flats in areas like Joka or Rajarhat are priced lower and provide better appreciation potential.

What are the typical amenities in 2 BHK flats under ₹1 crore?

Most flats come with gated security, clubhouses, gyms, children’s parks, landscaped gardens, and sometimes even skywalks or rooftop amenities.

Can I get a home loan for a 2 BHK flat in Kolkata?

Yes. Most banks offer home loans up to 80–90% of the property value. Projects listed on Get My Ghar are generally RERA-approved, which helps with quick loan approvals.

What is the resale value of 2 BHK flats in Kolkata?

Properties in metro-connected areas like New Town and Joka have shown appreciation of 25–35% over the past 3–5 years, with strong resale demand due to proximity to schools, tech hubs, and hospitals.

Is buying a 2 BHK in a gated community worth the cost?

Yes. Gated communities offer better security, modern amenities, and higher rental and resale value. Projects like Merlin Avana or Greenfield City are great examples.

How do I verify if a 2 BHK flat is RERA registered?

You can check the builder’s RERA registration number online or consult platforms like Get My Ghar, which only lists verified and RERA-compliant properties.

Can I get a 2 BHK with metro access under ₹1 crore?

Absolutely. Areas like Joka, Tollygunge, and New Town are metro-connected or under expansion, and many projects here fall within the ₹1 crore budget.

What’s the difference between carpet area and built-up area?

• Carpet area: Actual usable area inside the walls.

• Built-up area: Carpet area + walls + balcony.
  Always ask for the carpet area when comparing prices.

Are there maintenance charges for 2 BHK flats in gated societies?

Yes. These usually range from ₹1.5–₹3 per sq. ft per month, depending on the amenities and size of the project.

How do I start the buying process through Get My Ghar?

Simply visit Get My Ghar – Kolkata, select your preferred project, and request a callback or site visit. The team provides end-to-end support, including loan help and registration assistance.

Is ₹1 crore a good budget for buying a 2 BHK in Kolkata in 2025?

Yes, ₹1 crore is more than sufficient to buy a premium or mid-range 2 BHK flat in top localities like Rajarhat, Joka, Tollygunge, and Behala, with modern amenities and gated security.

Are there any government schemes available for 2 BHK homebuyers in Kolkata?

Yes. First-time buyers can avail of benefits under the Pradhan Mantri Awas Yojana (PMAY). You may be eligible for a CLSS subsidy of up to ₹2.67 lakhs on home loan interest if the property meets the eligibility criteria.

Can NRIS invest in 2 BHK flats in Kolkata through Get My Ghar?

Yes. NRIS can legally invest in residential real estate in India. Platforms like Get My Ghar offer virtual tours, verified listings, and home loan tie-ups for NRIS. A Power of Attorney (POA) may be required for registration.

What are the hidden costs to be aware of while buying a 2 BHK flat?

Some additional costs include:

• Stamp duty & registration (6–8% in Kolkata)

• GST (5% on under-construction flats)

• Maintenance deposits

• Legal & brokerage charges (if applicable)

Which 2 BHK localities have the best ROI potential in Kolkata?

• Rajarhat & New Town: For IT professionals and long-term growth

• Joka: For an affordable entry price and metro-based appreciation

• Tollygunge: For resale potential and central location demand

What documents should I check before booking a 2 BHK flat?

• Title deed

• RERA registration

• Sanctioned building plan

• Encumbrance certificate

• Sale agreement copy

• Builder-buyer agreement

How much home loan EMI would I pay on a ₹80–90 lakh 2 BHK?

Assuming a ₹20 lakh down payment and ₹70 lakh loan for 20 years at 8.5% interest:

Monthly EMI = ₹60,500 approx
Use Get My Ghar’s EMI calculator or consult their team for personalised advice.

Are all projects listed on Get My Ghar RERA compliant?

Yes. Get My Ghar only lists RERA-approved or verified projects, ensuring buyers invest in legally secure properties with transparent pricing and timelines.

Are all projects listed on Get My Ghar RERA compliant?

Yes. Get My Ghar only lists RERA-approved or verified projects, ensuring buyers invest in legally secure properties with transparent pricing and timelines.

What is the difference between near-possession and ready-to-move flats?

• Ready-to-move: Fully completed, no GST, immediate possession

• Near-possession: Construction nearly complete; possession within 6–9 months. May attract GST, but slightly cheaper

Can I book a 2 BHK flat online through Get My Ghar?

Yes. Many developers now offer online bookings, and Get My Ghar assists with everything from digital documentation to virtual tours, booking token payments, and site coordination.

Real Buyer Experience: Finding the Perfect 2 BHK with Get My Ghar

When 29-year-old software professional Sourav Mitra decided to buy his first home in Kolkata, he was overwhelmed by the number of listings and the lack of verified details on most platforms. With a budget of under ₹1 crore, he wanted a 2 BHK flat in a gated community—close to the metro, with amenities for his ageing parents and work-from-home needs.

That’s when he came across Get My Ghar.

After signing up and speaking with their team, he was shown a shortlist of pre-vetted 2 BHK options in Rajarhat, Joka, and Behala—all within his budget and clearly mentioned configurations, possession timelines, and legal status. With their guidance, he eventually booked a unit at Atri Aqua in Rajarhat.

“The entire experience—from exploring 2 BHK listings to site visits—felt smooth and personalised. I never felt pressured. The team helped clarify everything, including taxes and loan eligibility,” says Sourav.

Today, Sourav enjoys his own green-facing 2 BHK home in a secure township, with amenities like a gym, meditation zone, and clubhouse—all made possible by Get My Ghar’s transparent, buyer-first process.

Conclusion: Your 2 BHK Dream Home in Kolkata Is Closer Than You Think

The Kolkata real estate market is evolving rapidly, and for homebuyers on a budget, 2 BHK flats under ₹1 crore represent the perfect sweet spot of affordability, livability, and long-term value.

Whether you prefer the tranquil greenery of Joka, the IT-connectivity of Rajarhat, or the comfort of South Kolkata, there are excellent ready-to-move and under-construction options available right now.

Through verified listings, expert guidance, and curated locality insights, Get My Ghar is helping hundreds of families find not just a property, but their perfect address.

If you’re ready to buy, the best time is now.
If you’re still exploring, start with trusted platforms that help you compare, visit, and decide with confidence.

Pro Tip:

Want faster appreciation and tax savings?
Consider buying a 2 BHK in an under-construction RERA-approved project in a metro-connected zone like Rajarhat or Joka. You’ll get better pricing, plus you’ll benefit from GST reductions and long-term ROI—all while staying well within a ₹1 crore budget.