Bandhan Bank Personal Loan

Personal Loan at 1%* p.m.

Apply & Get Instant Approval

Bandhan Bank Personal Loan Features

Eligibility Criteria Details
Bandhan Bank Personal Loan Interest Rate 9.75% p.a.
Lowest EMI per lakh Rs 2112
Tenure 12 to 60 months
Bandhan Bank Personal Loan Processing Fee 1% to 2% of Loan Amount
Prepayment Charges Allowed after 12 Months (2 – 4 %)
Part Payment Charges Allowed after 12 Months (2 – 4 %) 
Min Loan Amt ₹ 50,000
Max Loan Amt ₹ 75 Lakh


Why Bandhan Bank:

Bandhan Bank Ltd. is an Indian banking and financial services company headquartered in Kolkata, West Bengal. Bandhan started in 2001 as a not-for-profit enterprise that stood for financial inclusion and women empowerment through sustainable livelihood creation.

Bandhan Bank Personal Loan :

Personal Loan refers to an unsecured loan provided by the bank to the applicants. It can be used for any purpose. In this Loan, applicants do not have to pledge any of his belongings to the bank. It requires minimum documentation, and it is an instant loan which can be avail in 48 to 72 hours.

Why Apply For the Bandhan Personal Loan?

  1. Personal Loan amount depends upon the income and repayment capacity of the applicants.
  2. It can be used for them, and it depends upon on the individual financial problem of the applicants
  3. Beside that applicants does not require to pledge any his belongings and assets to the bank.

Bandhan Bank Personal Loan Documentation:

Personal Loan has Simple and easy documentation. But documentation also varies from applicants to applicants. The document requirement is based on profession, income, and loan requirement. Following are essential documents require for the Personal Loan are as:

  1. Residence proof: In this ,documents required for the residence proof includes (passport/ID card/ Voter card/ adhar card/ration/card/driving license) and if the applicants are living in rental apartments then has to submit his agreement, electricity bill on his name and address of the owner.
  2. Self-employed: After that,the applicant of which has applied personal Loan should have file ITR for the last three months, and his business should be registered in the records.
  3. Salaried applicants: In the applicants have to submit his salary slip of last three months and bank statement of last six months.
  4. Identity proof:  Moreover, documentation requires one among the following ( passport/ID card/ Voter card/ adhar card/ration/card/driving license) any one of them.
  5. Under KYC formality: Every applicant applying for Personal Loan has to submit his pan card, which is a necessary document.
  6. Two colored passport size photos: In this applicants should not wear any glasses.

Bandhan Bank Personal Loan Eligibility:

For Salaried Individuals




22 years – 65 years.

Salaried individuals with minimum monthly income Rs.15,000 (Rs.20,000 for applicants residing in Mumbai & Delhi; Rs.18,000 for applicants residing in Chennai, Hyderabad, Bangalore, Pune & Kolkata; For Others Rs. 12,000)

Total years in job/profession

2 Years

Years in current residence

1 Year (One Day if in a Super A Company)

For Self Employed Individuals


Self Employed


23 years (self-employed individuals) and 25 years (for doctors); Maximum age – 65 years

Minimum Turnover

Rs. 40 lakh for non-professionals; Rs. 15 lac for professionals; as per audited financials

Minimum Profit After Tax

Rs. 2 lac for Proprietorship Firm/Self-employed Individuals and Rs. 1 lac for non-professionals as per audited financials

Business Stability

In current business for at least 5 years and a minimum of 3 years for doctors

Existing relationship with the bank

Minimum 1-year liability relationship (current or savings account) or Asset relationship (loan) either live or closed in the last 36 months; repayment track as required



  1. You can check  your loan eligibility in 1 minute, available online, and across all branches.
  2. Highly competitive interest rates for personal loans.
  3. Besides that, applicants get instant approval for Personal  Loan
  4. In addition to this, Special personal Loan offers for women employees.


  1. Easy Documentation– The process to apply for a personal loan is straightforward and hassle-free.
  2. Rates of Interest– Bandhan Personal Loan interest rates are meager and rational.
  3. Quick Disbursal- There is a need to wait for so long. If you are eligible and have all the documents, then you will get a loan to disburse within a day.

How to apply on

  1. Search for on Google.
  2. First of all, a form will open up.
  3. After that, fill the way with the required information.
  4. Besides, you will get information furthermore from us.