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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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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 Interest9.98% - 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

IndusInd Bank Personal Loan Features

For Regular Personal Loans

  • The interest rate for a regular personal loan starts from 10.35% p.a.
  • Applicants can avail personal loan of up to Rs 50 lakh.
  • Both salaried and self-employed applicants can apply for a personal loan.
  • The tenure ranges from 1 year to  5 years.
  • The bank takes 2 to 4 days to approve a personal loan application and disburse after the completion of the verification process.

For Instant Personal Loans

  • The interest rate for an instant personal loan starts from 10.35% p.a.
  • The loan amount ranges from Rs 30,000 to Rs 5 lakh.
  • Applicants have a loan repayment option from 1 year to 4 years.
  • 100% digital application with minimal documentation (PAN and Aadhaar Card only)
  • The bank claims to approve loan applications within minutes and disburse loans immediately upon approval.

Induslnd Bank Personal Loan Interest Rates

IndusInd Bank personal loan interest rate starts from 10.35% p.a.. 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!

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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 is not applicable for preapproved 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 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

Banks IndusInd SBI HDFC Kotak ICICI
Rates 10.35% p.a. onwards 10.05%-15.05% p.a. 9.99%-12.50% p.a. 9.98% p.a. onwards 11%-13% p.a.
Processing Fee 1.3%-2% Up to 1.5% of the loan amount (Min. Rs 1,000; Max. Rs 15,000) Rs 3,499- Rs 6,500 1.1%-1.5% 2% of the loan amount
Max. Loan Amount Up to Rs 50 lakh Up to Rs 35 lakh Up to Rs 25 lakh Up to Rs 25 lakh Up to Rs 25 lakh
Min. Monthly Salary Required Rs 25,000 Rs 15,000 Rs 25,000 Rs 25,000 for Kotak Bank Salary account holders, Rs 30,000 for Non-Kotak Bank Salary account holders

Swipe to see more table data

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 Indusind Bank Lenders

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What our customers say

Excellent platform

Excellent platform for personal loan comparison! Their EMI calculator helped me pick the best tenure & my monthly emi.

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Manish KumarOct 23, 2025

Got personal loan instant

I was a medical emergency &amp; need funds instantly I applied for loan at Paisabazaar &amp; see I have a pre approved offers &amp; apply to it &amp; amount disbursed in 48 hours thanks to paisabazaar teams

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Mansi SharmaOct 17, 2025

Got loan yesterday

I got a loan of 2 lakh from Paisabazaar. Until now, I didn&#x27;t know that it was so easy to get loan through Paisabazaar. They helped me with all documents and process and my loan was sanctioned yesterday itself.

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Priyanka SharmaOct 15, 2025

Got personal loan in a few minutes

I had pre-approved offers. When I applied through Paisabazaar, I got my personal loan approved within a few minutes. The process was very hassle-free and the team was extremely cooperative.

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Preeti SinghSep 26, 2025

Cibil kam tha fir bhi loan dila diya

Mera cibil kam tha fir bhi paisabazaar walo ne loan dila diya mujhe jo bohot jaruri tha.

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Pawan SehrawatSep 25, 2025

Personal loan quick approved

My personal loan was quick approved on Paisabazaar. Everything was online and I was not required to submit any more documents.

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Vivaan ShahSep 24, 2025

Loan Approved in on day

I confused between HDFC & Axis personal loans, but Paisabazaar showed me all the offers side by side. I apply in 10 minutes and got approval the next day!

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Rahul MehtaSep 23, 2025

Personal loan mila yahaan se

Mujhko personal loan mila yahaan se bina koi dikkat hue. Maine toh online apply kiya aur 3 lakh ka loan mila 2 saal ke liye.

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Pankaj SinhaSep 22, 2025

Great Customer support and response

Quick and efficient support team of Paisabazaar. Proper knowledge of product and good customer relationship by Abhishek Singh.

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ABhisekh BordoloiSep 21, 2025

Got personal loan from Paisabazaar

I applied for personal loan from paisabazaar and it was disbursed in 2 days. My immediate requirement was fulfilled just in time. Thanks guys for the prompt response and quick approval.

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Pranoy SenSep 19, 2025
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