Bandhan Bank Personal Loan

Salaried Individuals - Check your Loan eligibility!

Get Lowest Personal Loan Interest Rate ✓ Loan up to 50 Lakhs ✓ Quick Disbursal ✓ Minimum Documentation! Check Offer

Bandhan Bank offers personal loans of up to ₹25 Lakhs at interest rates starting from just 9.47% p.a. It comes with a flexible repayment tenure of up to 60 months. The verification, approval, and disbursal processes for this loan are usually completed within 2 days.

Bandhan Bank Personal Loan Interest Rates and Charges

The following table shows the interest rates and charges of a Bandhan Bank Personal Loan:

Interest Rate	9.47% p.a. onwards
Processing Fees	Up to 3% of the loan amount
Late Payment	2% of the outstanding EMI per month
Foreclosure Charges	4% of the principal outstanding amount + GST for the first 12 months 2.5% of the principal outstanding amount + GST after 12 months of repayment No charges for loan amount more than ₹10 Lakhs closed after 12 months of repayment
Cheque Bounce Charges	₹500
Document Retrieval charges	₹500
Duplicate Statement of Account	₹100
Duplicate NOC	₹300
Stamp Duties	Actual as per state laws

*Disclaimer: The mentioned rates are subject to change at the lender’s discretion.

For more information about the interest rates and EMI options, visit Bandhan Bank's official website.

Bandhan Bank Personal Loan EMI Calculator

Loan Amount

Tenure

Rate of Interest

Your Monthly Personal Loan EMI

Principal Amount

Total Interest

Total Amount Payable

Amortization Schedule

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Year	EMI	Principal	Interest	Balance

Features and Benefits of a Bandhan Bank Personal Loan

Competitive Interest Rates

Personal loan interest rates offered by Bandhan Bank start from just 9.47% p.a.

Minimal Paperwork

Simply submit your proof of identity, address, and income to apply for the loan

Rapid Disbursal

Post-approval, the loan amount may be credited to your account within 48 hours

Flexible Tenure

Repay the loan over tenures of up to 60 months at your convenience

No Hidden Charges

Be assured of zero hidden charges and complete transparency throughout the application process

Active Customer Support

Bandhan Bank provides round-the-clock customer support to all its customers

Eligibility Criteria and Documents Required for a Bandhan Bank Personal Loan

The criteria for Bandhan Bank Personal Loan eligibility are as follows:

You must be a self-employed or salaried individual
You should be at least 21 years old
You must not be more than 65 years old at the time of loan maturity
You must have an active Bandhan Bank account with at least 1 transaction each month

There are a few documents required for the application process of a Bandhan Bank Personal Loan. They are as follows:

KYC document
- Passport
- PAN card
- Voter ID
- Driving licence
- Aadhaar card
One recent photograph
Salary slip of last 3 months and Form-16
ITR filings, balance sheets, income computations, and P&L account statements*

*Applicable for self-employed applicants only.

This is not a comprehensive list of the criteria and documents required. Contact the bank or visit their official website for further details.

How to Apply for a Bandhan Bank Personal Loan?

Follow these simple steps to apply for a Bandhan Bank Personal Loan online:

Visit the official portal of Bandhan Bank and navigate to the personal loan page
Click on ‘Apply now’ and fill the online form with basic information
Cross-check the data entered and click on ‘Submit’

Following this, your information will be verified. A bank representative will reach out to you for further proceedings. To apply for it offline, visit your nearest Bandhan Bank branch. All you have to do is fill out the form and submit the required documents.

How Can I Get in Touch with Bandhan Bank’s Customer Care Team?

You can reach out to the customer care team of Bandhan Bank through the following points of contact:

Customer care no.: 033-4409-9090
E-mail ID: customercare@bandhanbank.com
Address: Floors 12-14, Adventz Infinity@5, BN 5, Sector V, Salt Lake City, Kolkata 700091

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The information and suggestions provided by BFDL hereinabove is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort.

The information including interest rates or fees, loan amount and other charges with regard to any product, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions.

What is the maximum personal loan amount that Bandhan Bank can sanction?

The maximum amount that a Bandhan Bank can sanction as a personal loan is ₹25 Lakhs.

Is there an age limit for applying for a Bandhan Bank Personal Loan?

You must fall under the age bracket of 21 to 65 years to apply for a personal loan from Bandhan Bank.

How long does it take for a Bandhan Bank Personal Loan to be disbursed?

A personal loan from Bandhan Bank is usually credited to your bank account within 2 working days.

How can I calculate the probable EMI of a Bandhan Bank Personal Loan?

You can easily calculate your EMI with the help of a digital EMI calculator.

Does Bandhan Bank charge a fee if I prepay my personal loan?

Bandhan Bank charges a prepayment fee for personal loans. These are as follows:

Within the first 12 months: 4% of the principal outstanding
After 12 months of repayment: 2.5% of the principal outstanding
No foreclosure charges for loans of ₹10 Lakhs and above after 12 EMIs have been paid

What are the tenure options I can choose from when getting a Bandhan Bank Personal Loan?

You can get a personal loan with a tenure of 12 to 60 months from Bandhan Bank.

How do I know the application status of my personal loan from Bandhan Bank?

To check the status of your Bandhan Bank Personal Loan, reach out to the customer service team. They will provide you with the required details. You can also log into the official web portal of Bandhan Bank to access the information.

Can I get a long-term personal loan from Bandhan Bank?

A long-term personal loan usually has a tenure of 3 years or more. Thus, it is possible to get a long-term loan from Bandhan Bank as it offers a repayment period of up to 5 years with its personal loans.