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IndusInd Bank Personal Loan

IndusInd Bank offers personal loans of up to Rs 50 lakh for loan tenure of up to 5 years @ 10.35% p.a. onwards. It also offers instant online personal loan processing with quick loan approval within minutes. Read on to know more about IndusInd Bank Personal Loan.
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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 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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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

About IndusInd Bank Personal Loan

  • IndusInd Bank offers personal loans at competitive rates to applicants who fulfil the required eligibility criteria.
  • The approval of the loan application depends on the creditworthiness and the repayment capacity of the applicant, and may impact the interest rate being offered.
  • The bank offers instant personal loans with 100% digital application and zero documentation through Paisabazaar.
  • Applicants can enjoy flexible repayment tenure with instant loan approval and quick disbursal.
  • The loan proceeds can be used for meeting personal requirements such as wedding, travel, home renovation, medical emergency, etc.

Induslnd Bank Personal Loan Interest Rates

IndusInd Bank personal loan interest rate starts from 10.49% p.a. Individuals applying through Paisabazaar can avail IndusInd Bank personal loans @ 10.35% p.a. onwards. While the IndusInd Bank has not disclosed the differential interest rates for its personal loan applicants based on credit-score or other parameters, lenders usually consider monthly income, job profile, employer’s profile, credit score, etc. of their loan applicants for fixing their personal loan interest rates.

Why Choose Paisabazaar for IndusInd Bank Personal Loan

  • Trusted Platform – Used by millions to compare and apply for personal loans.
  • Loan Comparison Tools – Easily compare IndusInd Bank with other lenders to find the best-suited offer.
  • Digital Process – Digital application process with instant sanction and disbursal.
  • Free CIBIL Score Check – Check your credit score for free to know your loan eligibility.
  • Pre-Approved Offers – Get access to pre-approved loan offers from top lenders, including Axis Bank, Tata Capital, etc.
  • End-to-End Support – From application to disbursal, get assistance at every step.

How to Apply for IndusInd Bank Personal Loan on Paisabazaar

IndusInd Bank has partnered with Paisabazaar for personal loans. You can avail loans of up to Rs. 5 lakh from IndusInd Bank through Paisabazaar’s official website or app. Below are 5 simple steps you can apply and also compare offers from other top lenders such as ICICI and Axis Bank:-

Step 1: Enter your mobile number – Quick start

Step 2: Fill in your details – Easy and fast.

Step 3: Verify with OTP – Secure and simple.

Step 4: Select loan amount & purpose – Choose what suits you.

Step 5: Compare & apply – Pick your best personal offer and apply!

Avail Personal Loan for
All Your Needs

Fees & Charges on IndusInd Bank Personal Loan

Processing fees 1.3%-2%
Prepayment fees 4.00% of the principal remaining after 12 estimated monthly instalments
Loan cancellation charges Rs. 1,000 per event
Payment dishonour charges Rs. 450 per instance
Loan rescheduling charges Rs. 1,000 per event
Penal charges Rs. 150 per EMI delay beyond 5 days
ECS/Cheques/SI swapping charges Rs. 500 per event
Stamp duty As per the laws
Legal charges As per actuals
Duplicate no dues certificate Rs. 250 per event

*The offer does not apply to pre-approved personal loans.

Types of Induslnd Bank Personal Loans

Personal Loan Schemes Purpose
Personal Loan for Wedding To meet various wedding-related expenses
Personal Loan for Medical Expenses To manage various medical expenses such as medical bills, surgeries, hospitalisation, etc.
Personal Loan for Travel To raise funds for travel related expenses, such as airfare, accommodation, sightseeing and activities, train tickets, car rentals, etc.
Personal Loan for Home Renovation For renovating, improving and extending their existing home properties

IndusInd Bank Personal Loan Eligibility Criteria

For Salaried Employees

  • The minimum age of the applicant should be 21 years at the time of loan application.
  • The maximum age of the borrower at the time of loan maturity should be 60 years or the retirement age, whichever is earlier
  • The minimum net monthly income requirement for availing IndusInd Bank Personal Loan is Rs. 25,000
  • Applicant should have been employed for at least 2 years with an experience of at least 1 year in the current organization
  • Individuals applying for IndusInd Bank Personal Loan should have stayed at their current residence (if rented) for at least 1 year

Know more about Personal Loans for Salaried Employees by top lenders

For Self-employed Professionals

  • Applicant should be at least 25 years old at the time of loan application and 65 years old at the time of loan maturity
  • The minimum net annual income of personal loan applicants after-tax deduction should be Rs. 4.8 lakhs
  • Individuals having an experience of 4 years post qualification are eligible for IndusInd Bank Personal Loan.

For Self-employed Individuals

  • The minimum age of the applicant applying for the IndusInd Bank Personal Loan should be 25 years. However, the applicant should be 65 years old at the time of loan maturity.
  • The net annual income of the applicant after tax deduction should be at least Rs 4.8 lakhs
  • Individuals availing personal loans from IndusInd Bank should have at least 5 years of post-qualification experience

Also know about Personal Loans for Self-employed

In addition to the above-mentioned IndusInd Bank Personal Loan eligibility criteria, IndusInd Bank may also factor in the credit score of its personal loan applicants while evaluating their personal loan eligibility, just like many personal loan lenders do.

Documents Required

For Salaried Individuals

  • Duly filled application form with passport-sized photographs
  • Self-attested photocopy of anyone of the ID proof- Passport, Aadhaar, PAN, driving license and voter ID
  • A valid residence/ID/signature proof for KYC
  • Last 3 months salary slips/ITR for last 3 years/Form 16
  • Bank statement for the last 3 months showing the salary credits
  • Any other document required by the bank

For Self-employed Professionals

  • Duly filled application form with a photograph attached
  • ID Proof- Passport, voter ID, driving license, PAN and Aadhar card
  • KYC- Residence proof, signature proof and valid identity proof
  • Form 16/ ITR for the last 3 years
  • Salary slip for the past 3 months
  • Bank statement of Primary Savings Account for last 3 months and Practice Current Account for last 6 months

For Self-employed Individuals

  • Filled application form with a photograph attached
  • KYC- Valid ID Proof (driving license, passport, voter ID, PAN and Aadhar card), residence proof and signature proof
  • ITR for the last 3 years
  • Last 3 months salary slip
  • Form 16
  • Bank statement of Business Current Account for last 6 months and Primary Savings Account for last 3 months

Know more about IndusInd Bank Personal Loan Documents required

IndusInd Bank Personal Loan Balance Transfer – Save on Interest Cost

Personal loan borrowers of other banks and NBFCs can avail balance transfer facility, wherein they can transfer their existing personal loan to IndusInd Bank at lower interest rates and/or for better personal loan terms.

Before transferring your personal loan, note that —

  • Loan transfer fees and pre-closure/foreclosure charges are applicable from the existing lender
  • Loan processing fee, stamp duty, etc, may be levied by the new lender as part of a fresh loan application
  • Consider if the interest savings from the balance transfer are greater than the associated charges applied by the lender.

IndusInd Personal Loan vs Other Personal Loan Lenders

Bank/NBFCInterest Rates (% p.a.)
Aditya Birla Finance10.99 onwards
Axis Bank9.99 onwards*
Bank of Baroda10.15-18.05
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 India9.85-11.55
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 Bank9.95 onwards
ICICI Bank9.99 onwards
IDFC FIRST Bank9.99 onwards
IIFL Finance12.75 - 44.00
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 Finance14.00 - 22.00
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

IndusInd Bank Personal Loan Customer Care

Personal loan borrowers can contact the customer care via:-

  • Toll-Free Number: 18002660447
  • Within India Helpline Number: 18602677777
  • Outside India Helpline Number: 022-68577777 / 022-42207777 / 022-44066666
  • Email: reachus@indusind.com
  • Video Branch Facility by visiting the ‘Contact Us’ section of the IndusInd Bank’s website.

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 Personal Loan Lenders

HDFC BANKHDFC BANKAxis BankAxis BankKotak Mahindra BankKotak Mahindra BankICICI BankICICI BankFederal BankFederal BankIDFC First BankIDFC First BankIndusind BankIndusind BankRBL BankRBL BankTata CapitalTata Capital
View All Partners

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All Your Needs

FAQs

The interest rate of IndusInd Bank’s personal loan starts from 10.35% p.a., depending on the applicant’s profile and the lender’s terms.

The maximum repayment tenure is up to 5 years (60 months).

Both salaried individuals aged 21 to 60 years and self-employed applicants aged 25 to 65 years with a stable income are eligible for a personal loan.

Basic KYC documents, income proof (salary slips, bank statements), and address proof are required for a regular personal loan application. For instant personal loans, only the Aadhaar Card and PAN Card are required.

You can check your eligibility online through the IndusInd Bank website or visiting a bank branch or through Paisabazaar.

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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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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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