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Bandhan Bank Personal Loan

Bandhan Bank offers personal loans starting at 9.47% p.a. onwards for tenures of up to 5 years and for loan amounts of up to Rs 25 lakh. The bank claims to disburse personal loan within 2 working days of submitting loan related documentation.

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Personal Loan EMI Calculator

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HDFC Bank
10 Second Disbursal*100% Digital Process*Quick Disbursal
Max. Loan Amt.Upto ₹25L
Rate of Interest9.99% - 12.5%
Tenure upto1-5 Years
Processing Fee₹ 6,500
Axis Bank
Low Processing fee
Max. Loan Amt.Upto ₹40L
Rate of Interest9.99% - 17.15%
Tenure upto1-5 Years
Processing Fee1% - 1.5%
Kotak Mahindra Bank
Lowest Income requirement100% Digital Process*
Max. Loan Amt.Upto ₹25L
Rate of Interest10.5% - 17.2%
Tenure upto1-5 Years
Processing Fee1.1% - 1.5%

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How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

Bandhan Bank Personal Loan Highlights

  • Interest Rate: 9.47% p.a. onwards
  • Loan Amount: Rs 50,000 – Rs 25 lakh
  • Loan Tenure: Up to 5 years
  • Processing Fees: Up to 3% of the loan amount

Disclaimer: Bandhan Bank is not a Paisabazaar partner and all content herein is strictly informative in nature. Paisabazaar is not affiliated with, sponsored by or in any way connected to Bandhan Bank for personal loans. No offers/services from Bandhan Bank are being provided by Paisabazaar for personal loans. For further information about Bandhan Bank for personal loans, users are required to reach out directly to Bandhan Bank.

Bandhan Bank Personal Loan Interest Rates

Bandhan Bank offers personal loans starting @ 9.47% p.a. The final interest rates offered to the applicants depend upon age, monthly income, job profile, employer’s income, credit score, loan repayment history, etc.  Applicants planning to avail personal loans can use Bandhan Bank Personal Loan EMI calculator to find out the optimum loan tenure based on their repayment capacity.

Personal Loan for Salaried Individuals

Tenure Interest Rates (p.a.)
Up to 3 years 12.15% onwards
Above 3 years 9.47% onwards

Personal Loan for Self-Employed Professionals/Non-Professionals

Tenure Interest Rates (p.a.)
Up to 3 years 12.55% onwards
Above 3 years 10.10% onwards

Bandhan Bank Personal Loan Fees & Charges

Particulars Charges
Loan Processing Charges Up to 3% of the loan amount
Cheque Bouncing or Failed SI Charges Rs 500
Penal charges (late Payment of EMIs or
outstanding EMIs or default EMIs)		 Rs 200 per 10,000 of EMI dues
Part Payment Allowed up to 25% of the principal outstanding, only once a year and twice during the repayment period (applicable only after first 12 EMIs are paid)
Fore closure statement Rs 100
Foreclosure charges on Fixed rate For the first 12 months - 4% of the principal outstanding
After 12 months of repayment - 2.5% of the principal outstanding
After 12 EMIs are paid, no foreclosure charges are applicable for loans of Rs 10 lakhs and above, provided the borrower forecloses the loan with their own sources
Document Retrieval charges Rs 500
Duplicate Statement of Account Rs 100
Duplicate NOC Rs 300
Stamp duties Actual as per state law

Note: The above-mentioned charges attract applicable taxes which are collected from the borrower

Loan Repayment: EMI for Rs 1 lakh to Rs 10 lakh over 5 Years

Below are illustrative EMI amounts for different loan amounts. These calculations are based on a loan tenure of 3 to 5 years and an interest rate of 11.00% p.a.

Loan Amount Tenure Interest Rate (p.a.) EMI
Rs 1 lakh 3-5 years 11.00% Rs 3,274-Rs 2,714
Rs 5 lakh 3-5 years 11.00% Rs 16,369-Rs 10,871
Rs 10 lakh 3-5 years 11.00% Rs 32,739-Rs 21,742

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How to Improve Chances of  Personal Loan Approval

  • First, check the eligibility criteria before applying for a personal loan.
  • Maintain a credit score of 750 or above as considered by most lenders.
  • Try to keep your total monthly loan repayments, including the new personal loan EMI, within 50–55% of your net monthly income, as preferred by most lenders.
  • Submit accurate documentation, such as recent salary slips, identity proof and address proof.
  • Don’t apply to multiple lenders in a short period as this can lead to several hard inquiries, significantly impacting your credit score and reducing your chances of loan approval.

Eligibility Criteria for Bandhan Bank Personal Loan

  • The personal loan is applicable to all Salaried/Self-employed Professionals/Self-employed
  • Minimum Age: Salaried individuals - 21 years; Self-employed - 23 years
  • Maximum Age at time of loan maturity – 60 years for salaried applicants and 65 years for self-employed applicants
  • At least 1 debit and 2 credit transactions (customer-induced) are required monthly in the main account or 12 credit transactions in the last 12 months

Documents Required for Bandhan Bank Personal Loan

The following documents are required for all individuals applying for a personal loan from Bandhan Bank:

  1. Identity and address proof
    • Passport
    • PAN card
    • Voter ID card
    • Driving license
    • Aadhaar card
  2. One recent photograph
  3. Last 3 month's salary slip and salary account statement for salaried* individuals
  4. Income Tax Return (ITR) with computation and main business account statement of last 12 months for self-employed* individuals

* Not applicable for online application basis pre-qualified offer

Bandhan Bank Personal Loan vs Other Banks

Banks Bandhan Bank SBI HDFC Axis ICICI
Rates 9.47% p.a. onwards 10.10%-15.10% p.a. 9.99% p.a. onwards 9.99% p.a. onwards 10.60% p.a. onwards
Processing Fee Up to 3% of the loan amount Up to 1.5% of the loan amount (Min. Rs 1,000; Max. Rs 15,000) Up to Rs. 6500 Up to 1.5% of the loan amount Up to 2% of the loan amount
Max. Loan Amount Up to Rs 25 lakh Up to Rs 35 lakh Up to Rs 40 lakh Up to Rs 10 lakh Up to Rs 50 lakh
Min. Monthly Salary Required NA Rs 15,000 Rs 25,000 Rs 15,000 for Axis Bank customers; Rs 25,000 for non-Axis Bank customers Rs 30,000

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How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

Explore Our Bandhan Bank Lenders

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FAQs

The interest rate on personal loans from Bandhan Bank starts at 9.47% p.a. The bank may consider your occupation profile, credit score and other aspects of your credit profile before setting a final interest rate.

Bandhan Bank offers personal loans to both salaried and self-employed professionals and non-professionals. Although the bank has not specified the credit score criteria, most lenders consider a credit score of 750 or above for personal loan eligibility.

Identity & address proof such as Aadhaar Card, driving license, etc., salary slips for the last 3 months and one recent photograph are documents required for Bandhan Bank Personal Loan.

You can get a loan from Bandhan Bank ranging from Rs 50,000 to Rs 25 lakh, depending on your monthly income, credit score, repayment capacity, etc.

Bandhan Bank levies foreclosure/prepayment charges of 4% of the principal outstanding for the first 12 EMIs and 2.5% of the principal outstanding thereafter.

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Last updated: 30 August, 2025

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