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IndusInd Bank 10 Lakh Personal Loan

IndusInd Bank offers collateral-free personal loans @ 10.35% p.a. onwards with instant loan approval and quick disbursal. The loan process is completely digital with zero documentation. Prospective borrowers can visit Paisabazaar app to apply for IndusInd Bank Personal Loan of Rs 10 lakh. They can also compare the interest rates and pre-approved offers by IndusInd Bank with other lenders on Paisabazaar app.
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Instant Personal Loan

Get up to ₹50 Lakhs starting at 9.98%

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15.5L Reviews

5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed
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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 Fee6,500
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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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

Interest Rates Charged by IndusInd Bank on 10 Lakh Personal Loan

IndusInd Bank offers personal loan interest rates starting from 10.35% p.a. onwards. The interest rates set by the lender usually depend on the credit profile of the applicants. The interest range of IndusInd Bank Personal Loan is given below:

Minimum Interest Rate 10.35% p.a.
Maximum Interest Rate 16.50% p.a.

IndusInd Bank 10 Lakh Personal Loan- Fees and Charges

  • Processing Charges- 1.3%-2%
  • Foreclosure Charges- 5% of outstanding principal (after payment of 1st EMI up to 11 EMIs); 4% of outstanding principal (after 12 EMIs)
  • Penal Charges- 24% p.a.
  • Loan Cancellation Charges- Rs 1,000 
  • Payment Dishonour Charges- Rs 450
  • Cheque/ECS/SI Swapping Charges- Rs 500

Eligibility Criteria of Applicants Availing 10 lakh Personal Loan from IndusInd Bank

The eligibility criteria of personal loan applicants applying for a personal loan of Rs 10 lakh with IndusInd Bank is mentioned below:

Eligibility Criteria Salaried Applicants Self-employed Applicants
Age 21 to 60 years 25-65 years
Minimum Monthly Income Rs 25,000 Rs 4.8 lakh
Minimum Work Experience Total experience of 2 years with minimum 1 year in the current organization 4 years (self-employed professionals); 5 years (self-employed non-professionals)
Minimum stay at current residence (rented) 1 year -
CIBIL Score 730 and above -

Documents Required for Personal Loan Application

For Offline Application-

Hard copies of:

  • ID proof
  • Address proof
  • Income proof
  • Bank statements reflecting salary credited every month

For Online Application-

  • No hard copies of documents are required
  • Only PAN number and Aadhaar number is required for online application

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IndusInd Bank 10 lakh Personal Loan- EMI Calculation

Below-mentioned is the EMI calculation for Rs 10 lakh personal loan from IndusInd Bank @ 10.35% p.a. for different tenures. Applicants can use personal loan EMI calculator available online to evaluate the same.

Loan Amount (Rs) Interest Rate (p.a.) Loan Tenure EMI (Rs)
10,00,000 10.35% 1 year 88,079
10,00,000 10.35% 2 years 46,307
10,00,000 10.35% 3 years 32,432
10,00,000 10.35% 4 years 25,531
10,00,000 10.35% 5 years 21,420

For What Purposes Can You Avail 10 lakh Personal Loan from IndusInd Bank

IndusInd Bank offers instant personal loans to meet the personal requirements of the applicants. You can avail a 10 lakh personal loan from IndusInd Bank to fulfill the following purposes:

  • Home Renovation
  • Wedding
  • Travel
  • Medical Emergency
  • Debt Consolidation

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

Avail Personal Loan for
All Your Needs

FAQs

IndusInd Bank offers an interest rate of 10.35% p.a. for loan amount of Rs 10 lakh, depending on the credit profile of the applicant.

Applicants having a credit score of 730 and above have higher chances of availing 10 lakh personal loan from IndusInd Ban.

The EMI of 10 lakh personal loan availed from IndusInd Bank for tenure of 5 years would be Rs 21,420

The interest cost of 10 lakh personal loan availed from IndusInd Bank for tenure of 3 years would be Rs 1,67,543.

You calculate the EMI and total interest cost for a 10 lakh personal loan from IndusInd Bank with the help of personal loan EMI calculator available online.

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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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