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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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Valid till 30th April '26 *T&C Apply
Instant Personal Loan

Get up to ₹50 Lakhs starting at 9.98%

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15.6L 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

Apply Now

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

Avail Personal Loan Banner

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 Baroda10.15-18.00
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

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

Apply Now

Avail Personal Loan for
All Your Needs

Avail Personal Loan Banner

Avail Personal Loan for
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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What our customers say

Smooth & hassle-free loan approval experience

I want to express my gratitude for your exceptional support & guidance throughout my loan application process to Aman (EW17239). Your professionalism & clear communication made the journey smooth and manageable. I appreciate how you helped during loan approval & fast-tracked the documentation. It is rare to find someone so committed to their clients. I truly value the effort you put into ensuring a successful outcome. Thanks again for your invaluable help.

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Sanjay Kumar GuptaMar 30, 2026

Exceptional guidance throughout the process

I’d like to express my sincere appreciation for Mr. Aman Kumar (EW32023) for the excellent assistance provided. His professionalism & willingness to help made the experience smooth & pleasant. Aman Kumar demonstrated patience & clarity while addressing queries and ensured that everything was handled efficiently. Such dedication & customer-focused service truly deserve recognition. Please convey my thanks and appreciation to him for his outstanding support.

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Jyotirmoy SinghaMar 23, 2026

Very helpful and easy to reach

I really wants to appreciate Mohankumar Dhandapani for closing my loan requirement in such a short time and nice manner. He is very much approachable helped me based on my requirements. He explained me all the options in very short time even one option failed immediately helped me to get other options worked. Excellent job done by Mohankumar Dhandapani all the best keep you same way approachable you will get more customers. Thanks to Paisabazar too.

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Kirubagaran GanesanFeb 24, 2026

Reliable help when i needed it most

I am writing this email to express my sincere thanks for your excellent support and guidance on Paisabazaar. My experience was very smooth and satisfying because of your help. You explained everything clearly and made the whole process easy and comfortable for me. I truly appreciate your professionalism, patience, and quick response. I am very happy with the service and would definitely recommend to others because of the great support I received from you. Thank you once again

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DharmeshFeb 22, 2026

Committed support that made everything easy

I’d like to appreciate the Paisabazar team for the excellent loan service. I especially want to recognize one of your agents, Mr. Prince Kumar, for his outstanding support. For more than a month, he continuously followed up with me and assisted me. His commitment & professionalism made the experience smooth & hassle-free. I appreciate his efforts and dedication. Kindly acknowledge his performance and consider rewarding such a sincere employee.

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BhupendraFeb 18, 2026

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

Easy loan approval with good guidance

Thank you for the support provided for getting personal loan approval. During this process I worked with Mr. Aman Bajpai (EW17239) who was co-ordinator for this entire process of Personal loan, I was incredibly impressed by his efficiency and problem-solving skills. He went out of their way to ensure all my questions were answered and that the disbursement timeline stayed on track. His coordination was really appreciable.

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Riyaj AtarFeb 9, 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
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