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Bandhan Bank Personal Loan

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4.5/5

15.6L Reviews

5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed
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Seamless Digital Loan Process

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End-to-End Expert Assistance

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Minimum Documentation Requirements

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Quick Loan Processing

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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
ICICI Bank
100% Digital Process*Quick Disbursal
Max Loan Amt.Upto ₹25L
Rate of Interest11% - 13%
Tenure upto1-5 Years
Processing FeeUpto 2%
Axis Bank
Low Processing fee
Max Loan Amt.Upto ₹25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%

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End-to-End Digital Process

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

Apply Now

About Bandhan Bank Personal Loan

  • Bandhan Bank offers personal loans at attractive interest rates to meet expenses related to wedding, travel, medical emergencies, etc.
  • Bandhan Bank requires minimal documentation on its personal loans which results in faster processing and quick disbursals upon approval.
  • Bandhan Bank also allows consumers to make part payments on their personal loans along with a flexible repayment tenure.
  • Consumers need not provide any collateral/security to secure a personal loan from Bandhan Bank.
  • Bandhan Bank personal loans have no hidden charges and zero foreclosure penalty on loans of Rs. 10 lakh and above.

Bandhan Bank Personal Loan Highlights

  • Interest Rate: 8.82% 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

Rates as of 16th April 2026

Bandhan Bank Personal Loan Interest Rates

Bandhan Bank offers personal loans starting @ 8.82% 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/Self-Employed Professionals/Non-Professionals

Tenure Interest Rates (p.a.)
Up to 3 years 9.45% onwards
Above 3 years 8.82% 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

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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

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 Interest Rates vs Other Banks

Bank/NBFCInterest Rates (% p.a.)
Aditya Birla Finance10.99 onwards
Axis Bank9.99 onwards*
Bank of Baroda10.15-18.00
Bajaj Finance Limited10.00-30.00
Bank of India10.85-16.15
Bank of Maharashtra8.75-13.55
Canara Bank9.70-15.15
Central Bank of India9.85-11.65
Cholamandalam IFC10.00-28.00
Dhani Loans & Services Ltd.13.99 onwards
Federal Bank12.00 - 22.50*
HDB Financial Services10.00 - 35.00
HDFC Bank9.99 onwards
Hero FincorpUp to 30*
HSBC Bank9.75 onwards
ICICI Bank9.99 onwards
IDFC FIRST Bank9.99 onwards
IIFL Finance12.00 - 28.00
Indian Overseas Bank10.25 onwards
IndusInd Bank10.35 onwards*
Kotak Mahindra Bank9.98 onwards*
L&T Finance11.00 onwards
Mahindra Finance8.00 - 25.00
Mannapuram Finance18.00 - 24.00
Moneyview14.00 onwards
Muthoot Finance13.50 onwards
Piramal Finance12.14 onwards
Poonawalla Fincorp9.99 onwards
Punjab & Sind Bank9.60-13.85
Punjab National Bank10.25-16.80
Shriram Finance11.00 onwards
Tata Capital10.99 onwards
UCO Bank9.95 - 13.20
Union Bank of India8.75 - 12.55
Note: Rates as of 17th April 2026

"Paisabazaar special rates

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

Apply Now

Explore Our Personal Loan Lenders

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FAQs

The interest rate on personal loans from Bandhan Bank starts at 8.82% 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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What our customers say

My Trust in Paisabazaar has Increased

I would like to take a moment to share my sincere feedback regarding the support I received from your team. The executive who assisted me was extremely professional, polite, and knowledgeable. They patiently understood my concern, explained the process clearly, and guided me step by step toward the right solution. I truly appreciate the transparency, timely responses, and genuine effort shown to help me.

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Lalit MaviFeb 12, 2026

Best Place for Taking Loans

I contacted customer care with a few queries, and I am very satisfied with the support I received. The representative was polite, patient, and explained everything clearly. My questions were resolved properly, and the overall experience was smooth and helpful. Thank you for the excellent customer service

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Kokil BarnwalFeb 12, 2026

Apne higher education ke liye loan liya tha

Muhje higher education ke liye loan chahiye tha. Paisabazaar pe apply kiya. Got it at the right time. Quite helpful.

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Puja DanuJan 22, 2026

Sabse jada helpful log the yaha

Maine bht jagah try kiya tha personal loan ka, yaha try kiya toh helpful log mille. Har steps mai aram se samjhaya or usse muhje loan lene mai jda dikkat nhi aayi.

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Anuradha GuptaJan 21, 2026

Best Advisor for Personal Loan

I would like to share my feedback regarding my recent interaction with Mr. Vipin Singh (employee id EW12967) After discussing the financial matters with him, I felt very satisfied with his approach and professionalism. He explained everything clearly, handled the discussion patiently, and ensured that all concerns were addressed effectively. His communication skills, positive attitude, and dedication towards his responsibilities truly reflect his commitment to the organization.

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20th Jan 2026Jan 20, 2026

Meri shaddi thi

Shadi mai bht kharche hote hai. Maine shaddi ke liye personal loan paisabazaar se liya tha. Process smooth tha or interest bhi sahi milla.

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Sadia KhatunJan 15, 2026

Perfect for Loan Solutions

Recently I had a conversation with Mr. Harsh ji. Thanks Mr. Harsh ji for providing a better solution in a very short period of time with very nice behaviour. Thank You very much.

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Amit ChahalJan 15, 2026

Travel ke liye personal loan liya tha

Mai bohot din se out of India ghumne jana chahti thi lekin jab jane ka time mila toh budget kaam padh raha tha, Paisabazaar se personal loan leke bht acha trip kiya. Maza agaya. Mere upar koi burden bhi nhi padha

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Tarini RoyJan 14, 2026

Easy personal loan available

Took personal loan. Good experience.

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Ruchika TiwariJan 14, 2026

Stress-free Laon Borrowing Process

There was a complication with my KYC verification. Paisabazaar’s Shazeb handled it swiftly and professionally. He ensured that I received regular updates, explained the resolution steps clearly, and most importantly, resolved the issue quickly. His prompt assistance and communication made the entire experience smooth and stress-free. Thanks to his efforts, the loan process was completed without further delays.

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Abhishek ThakuraJan 14, 2026
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