Merlin SereniaReviews & Ratings — Kolkata, West Bengal

BT Road, Bonhooghly, North Kolkata 700058

4.3(3)

based on 3 ratings

₹45.00 L – ₹80.00 L

Sanjay Bhatt28 March 2026 589 views 1 comments

Construction Status Unknown

About Merlin Serenia

New Town and Rajarhat have absorbed a decade of Kolkata's growth and still offer values that comparable cities have left behind. Merlin Serenia in Rajarhat New Town is in this zone. Merlin is one of Kolkata's most trusted developers and Serenia's peaceful setting near the action area lake is a standout feature.

Construction Updates

Price History

Listed price: ₹45.00 L – ₹80.00 L. Help the community by logging the actual price per sq ft.

Merlin Serenia — Buyer Reviews & Discussion(1)

@sanjaybhatt2mo ago

Price appreciation in this micro-market has been 8-11% CAGR for 7 years. Steady not spectacular but very stable.

Q&A

Property Details

City: Kolkata
State: West Bengal
Type: Apartment / Flat
Developer: Merlin Group
Rating: 4.3/5 (3)

EMI Calculator

Property Price₹45.00 L

Down Payment20% (₹9.00 L)

Banks require minimum 10–20%. Higher down payment = lower EMI.

Interest Rate (p.a.)8.75%

Current SBI home loan rate is ~8.5–9%. Check your bank.

Loan Tenure20 years

Affordability Check

Monthly Household Income₹1.00 L

I'm currently paying rent (double burden during construction)

Monthly EMI

₹31,814

Loan: ₹36.00 L · 8.75% · 20yr

Total Amount Paid

₹76.35 L

Total Interest

₹40.35 L

Income Multiple

Property price ÷ annual income

3.8x

RBI guideline: 4–5× · <4× Comfortable · 4–6× Manageable · >9× Stretched

EMI-to-Income Ratio

EMI as % of monthly income

32%

<30% Healthy · 30–40% Manageable · >50% High risk

For illustration only. Actual EMI varies by bank processing fees, GST, and insurance.

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