Table of Contents

Bandhan Bank Personal Loan Highlights What are the Types of Bandhan Personal Loan?Bandhan Bank Personal Loan Processing Fees How to Calculate Bandhan Personal Loan EMI?Bandhan Personal Loan Eligibility Criteria Documents Required for Personal Loan in Bandhan Bank How to Apply for a Personal Loan in Bandhan Bank?How to Check Bandhan Bank Personal Loan Status Online?How to Download Bandhan Personal Loan Statement Online?Bandhan Bank vs Other Banks Interest Rates (2025 Rates)Bandhan Personal Loan Customer Care Number & Contact Details Bandhan Personal Loan vs. NoBroker Cash Loan - Which is Better?Get Instant Cash with NoBroker InstaCash Frequently Asked Questions

Quality Service Guarantee Or Painting Free

Unbeatable Price 5-Star Rated Partner! 2200+ Shades! Top Quality Paint Free Cancellation!

Get a rental agreement with doorstep delivery

Find the BEST deals and get unbelievable DISCOUNTS directly from builders!

5-Star rated painters, premium paints and services at the BEST PRICES!

Loved what you read? Share it with others!

Submit the Form to Unlock the Best Deals Today

Thank you for submitting the form. We will get back to you.

❌

Help us assist you better

Whatsapp us:+918306003161

Call us:+918306003161

Thank you for submitting the form

❌

Check Your Eligibility Instantly

Experience The NoBrokerHood Difference!

Set up a demo for the entire community

Thank You For Submitting The Form

Tenant Super Relax Plan

Enjoy Hassle-Free Renting

Full RM + FRM support

Instant alerts & premium filters

Rent negotiation & relocation help

Submit the Form to Unlock the Best Deals Today

Thank you for submitting the form. We will get back to you.

Home Blog Cash Loan Bandhan Bank Personal Loan Interest Rate

Bandhan Bank Personal Loan Interest Rate: Eligibility, Documents, Charges and Stepwise Procedure in 2025

Published : September 17, 2025, 9:10 PM

Updated : September 17, 2025, 9:10 PM

Author : krishnanunni

Cash Loan

Personal Loan

2388 views

Summary

Bandhan Bank personal loans start at 9.47% per annum, offering up to ₹25 Lakh with flexible tenures of 1–5 years. With minimal documentation, doorstep services, and fast disbursal, they suit salaried and self-employed borrowers. Transparent charges, digital tools, and strong customer support make them a practical and trustworthy financing option.

Table of Contents

Bandhan Bank personal loans start at an interest rate of 9.47% per annum, with repayment tenures of up to 5 years. Designed for both salaried and self-employed individuals, they help manage expenses like home renovation, education, medical needs, and debt consolidation. With a transparent process, quick access, and strong customer support, Bandhan Bank makes borrowing simple and reliable, offering practical financial solutions that balance affordability with flexibility for diverse life goals.

Bandhan Bank Personal Loan Highlights

Bandhan Bank offers personal loans with quick access to funds, flexible repayment options, competitive interest rates, and doorstep services. Let's dive deep to know more.

Feature	Details
Loan Amount	₹50,000 to ₹25 Lakh [1]
Interest Rate Range	9.47% p.a. to 12.55% p.a. (Varies by tenure and applicant type) [1]
Tenure	12 to 60 months (1 to 5 years) [1]
Processing Fee	Up to 3% of the loan amount + applicable taxes [2]
Prepayment Charges	NIL for part-payment up to 25% of principal outstanding annually (after 12 EMIs). [2]
Approval Time	Quick processing, with disbursement within two working days after documentation.

What are the Types of Bandhan Personal Loan?

Bandhan Bank offers a streamlined personal loan product tailored to different customer profiles, rather than having multiple named loan types. The terms, especially the interest rates, vary based on the applicant's employment status and the chosen loan tenure. [1]

Quality Service Guarantee Or Painting Free

Unbeatable Price 5-Star Rated Partner! 2200+ Shades! Top Quality Paint Free Cancellation!

Get a rental agreement with doorstep delivery

Find the BEST deals and get unbelievable DISCOUNTS directly from builders!

5-Star rated painters, premium paints and services at the BEST PRICES!

Borrower Type	Loan Amount	Interest Rates (p.a.)	Tenure	Processing Fees	Approval Time
Salaried Individuals	Up to ₹25 Lakh	12.15% (≤ 3 yrs) / 9.47% (> 3 yrs)	Up to 5 years	Up to 3%	Fast
Self-Employed Professionals (SEP)	Up to ₹25 Lakh	12.55% (≤ 3 yrs) / 10.10% (> 3 yrs)	Up to 5 years	Up to 3%	Standard
Self-Employed Non-Professionals (SENP)	Up to ₹25 Lakh	12.55% (≤ 3 yrs) / 10.10% (> 3 yrs)	Up to 5 years	Up to 3%	Standard

Bandhan Bank Personal Loan Processing Fees

To understand the total cost of borrowing, it is important to be aware of the various fees associated with a Bandhan Bank personal loan. The bank maintains a transparent schedule for all applicable charges. [2]

Charge Type	Amount / Rate
Processing Fee	Up to 3% of the sanctioned loan amount + GST.
Part-Payment Charges	NIL for part-payment up to 25% of the principal outstanding per year (allowed twice in the loan tenure, after 12 EMIs).
Foreclosure Charges	4% within the first 12 months; 2.5% after 12 months. NIL for loans over ₹10 Lakh closed with own funds after 12 EMIs.
Late Payment Penalty	₹200 per ₹10,000 of the EMI amount that is overdue.
EMI Bounce Charges	₹500 per instance of cheque / SI / ECS dishonour + applicable taxes.
Loan Cancellation Charges	Varies; please contact the bank for specifics.
Stamp Duty	As per the actuals applicable in the respective state.

How to Calculate Bandhan Personal Loan EMI?

Estimating your monthly outflow is simple, and using the Bandhan personal loan EMI calculator makes repayment planning easier by providing accurate EMI values within seconds. [1]

The standard mathematical formula for EMI calculation is: EMI = [P x R x (1+R)^N] / [(1+R)^N-1] Where:
- P is the Principal loan amount.
- R is the monthly rate of interest (annual rate divided by 12).
- N is the number of monthly instalments (tenure in months).
Example: For a loan of ₹5 lakh at an 11% annual interest rate for a tenure of 5 years (60 months):
- The calculated EMI would be approximately ₹10,871.

Bandhan Personal Loan Eligibility Criteria

Meeting the Bandhan Bank personal loan eligibility criteria is quite simple. Both salaried and self-employed individuals can apply if they fulfil the required age, income, and account transaction conditions. [1]

For Salaried Individuals

Age: 21 to 60 years.
Citizenship: Must be a resident of India.
Account Activity: A minimum of one customer-initiated transaction is required in the salary account every month.
Credit Score: A strong CIBIL score is a key determinant for loan approval and securing a better interest rate.

For Self-Employed Individuals (Professionals & Non-Professionals)

Age: 23 to 65 years.
Citizenship: Must be a resident of India.
Account Activity: Minimum one debit and two credit transactions monthly, or 12 credit transactions in the last 12 months in the main business account.
Credit Score: A high CIBIL score is essential for eligibility.

Documents Required for Personal Loan in Bandhan Bank

Understanding the documents required for a personal loan in Bandhan Bank is important to avoid delays during approval. [1]

ID Proof like Passport, Driving License, Aadhaar Card, Voter's ID Card, or a letter from the National Population Register.
One recent passport-sized photograph.
Last three months' salary slips and the last three months' salary account statement.
Latest Income Tax Returns (ITR) with computation of income and the last 12 months' main business account statement.

How to Apply for a Personal Loan in Bandhan Bank?

The Bandhan Bank personal loan application process is designed for quick access to funds with minimal paperwork. [1]

Step 1: Navigate to the personal loan section to understand the features and eligibility.
Step 2: Enter your personal, contact, and employment details accurately.
Step 3: A bank representative will connect with you to guide you through the following steps.
Step 4: The bank offers a doorstep document pick-up process for your convenience.
Step 5: Upon successful verification of your documents and approval of the loan, the amount is disbursed to your account, typically within two working days.

How to Check Bandhan Bank Personal Loan Status Online?

After applying, you can easily track the progress of your application. The Bandhan Bank personal loan status can be checked through the bank's digital channels. [1]

Step 1: Access your Bandhan Bank account using your registered credentials.
Step 2: Find the "Loans" or "Application Status" section within your dashboard.
Step 3: The portal will display the current status of your Bandhan personal loan application status, whether it is under review, approved, or requires further action.

How to Download Bandhan Personal Loan Statement Online?

Accessing your loan statement is now quick and convenient with Bandhan Bank’s digital services.

Step 1: Open the app and log in using your User ID and MPIN.
Step 2: Once on the homepage, navigate to the section for your loan accounts.
Step 3: Select your active personal loan account and choose the option to view or download the e-statement for the desired period.
Step 4: The loan statement will be generated, typically in a PDF format, for you to save or print.

Bandhan Bank vs Other Banks Interest Rates (2025 Rates)

When considering a personal loan, it is prudent to compare the Bandhan Bank personal loan interest rate with that of other leading lenders in the market.

Bank / NBFC	Personal Loan Interest Rate (p.a.)	Unique Selling Proposition (USP)
Bandhan Bank	9.47% onwards	Unique tiered interest rates based on tenure, NIL part-payment charges, and doorstep document pickup.
HDFC Bank	10.50% onwards [3]	Wide branch network and speedy disbursal for existing customers.
ICICI Bank	10.60% onwards [4]	Flexible loan products and a strong digital platform for existing customers.
Axis Bank	9.99% onwards [5]	Flexible tenures up to 7 years and a streamlined online application process.
Kotak Mahindra Bank	9.98% onwards [6]	Tailored loan products for various needs and a simple online process.

Bandhan Personal Loan Customer Care Number & Contact Details

For quick assistance and query resolution, customers can easily connect with Bandhan Bank personal loan customer care through various channels.

Customer Care Number: Customers can call the toll-free Bandhan Bank personal loan customer care toll-free number at 1800-258-8181.
Email Support: For detailed queries or to submit documents, you can write to their official customer care email address: customercare@bandhanbank.com.
Branch Visit: You can visit any Bandhan Bank branch for in-person support from a representative.

Bandhan Personal Loan vs. NoBroker Cash Loan - Which is Better?

When evaluating borrowing options, it is useful to compare a traditional Bandhan Bank personal loan with modern fintech alternatives, such as NoBroker InstaCash.

Feature	Bandhan Personal Loan	NoBroker InstaCash
Approval Time	Within 2 working days	Instant (within minutes)
Loan Amount	Up to ₹25 Lakh	Up to ₹10 Lakh
Eligibility	Based on salary, CIBIL score, and employment history.	Primarily based on consistent monthly rent payments.
Documentation	Requires income proof, bank statements, KYC.	Minimal; primarily requires a rental agreement and basic KYC.

Get Instant Cash with NoBroker InstaCash

Planned expenses may fit well with the Bandhan Bank personal loan interest rate, but urgent financial requirements may be met by platforms that offer quick, small loans. NoBroker InstaCash addresses this gap by offering up to ₹10 lakh instantly, linked directly to monthly rent transactions. The application is fully digital, eliminating cumbersome paperwork and significantly reducing waiting time. This flexible approach makes it a smart companion to traditional personal loans, ensuring liquidity is available precisely when it is most needed.

Frequently Asked Questions

Q1. What is the Bandhan Bank personal loan interest rate in 2025?

Ans. The interest rate is tiered. For salaried individuals, it starts at 12.15% for tenures up to 3 years and a lower 9.47% for tenures above 3 years.

Q2. What is the minimum salary for a Bandhan Bank personal loan?

Ans. The Bandhan Bank personal loan eligibility minimum salary is not explicitly defined, but a regular source of income and consistent account activity are mandatory.

Q3. How to check Bandhan personal loan status?

Ans. You can check the Bandhan personal loan application status by logging into the mBandhan mobile app or the internet banking portal on the bank's website.

Q4. How can I download a Bandhan personal loan statement?

Ans. You can easily download your loan statement by logging into the mBandhan mobile app, navigating to your loan account, and selecting the option to view or download the e-statement.

Q5. How long does Bandhan Bank take to process a personal loan?

Ans. The Bandhan bank personal loan procedure is fast. The loan is typically disbursed within two working days after all the required documents have been submitted and verified.

Q6. What are the Bandhan personal loan preclosure charges?

Ans. The Bandhan personal loan preclosure charges are 4% within the first year and 2.5% after that. However, charges are NIL for select loans over ₹10 Lakh.

Q7. How can I apply for a personal loan in Bandhan Bank?

Ans. You can Bandhan bank personal loan apply online through their official website or visit a branch. They also offer a convenient doorstep document pickup service.

Q8. What is the maximum loan amount from Bandhan Bank?

Ans. The maximum personal loan amount offered by Bandhan Bank is ₹25 Lakh, subject to the applicant's eligibility and credit profile.

Q9. Can self-employed individuals get a Bandhan personal loan?

Ans. Yes, Bandhan Bank offers personal loans to both self-employed professionals (SEP) and self-employed non-professionals (SENP) who meet the eligibility criteria.

Q10. Are there any part-payment charges?

Ans. No, a key benefit is that the bank does not levy any charges for part-payments up to 25% of the principal outstanding per year (after 12 EMIs).

Most Viewed Articles

Low CIBIL Score Loan Apps List: Best Apps for Instant Loans with Bad Credit for 2025

May 20, 2025

229295+ views

7 Days Loan Apps List in India: Top 12 Loan Apps for Fast Short-Term Cash in 2025

March 17, 2025

133816+ views

Top 20 RBI Approved Loan Apps in India (2025): Trusted & Reliable Options

March 12, 2025

97783+ views

Top 15 Loan Apps in India: Fast Approval, Low Interest Rates (2025)

September 1, 2025

72719+ views

15 Trusted Small Loan App Without Income Proof in India (2025)

February 25, 2025

68813+ views

krishnanunni,Author

Krishnan grew up in the libraries of Thiruvananthapuram. As an engineer turned writer, Krishnan is fascinated by the stories told by cities through their buildings, culture and music. His blogs are aimed at breaking down the most relevant and actionable insights on the Indian realty sector.

Join the conversation!

Recent blogs in

₹6 Lakh Personal Loan EMI: Monthly Payment, Calculation and Interest in 2025

October 28, 2025 by Vivek Mishra

₹8 Lakh Personal Loan EMI: Monthly Payment, Calculation and Interest in 2025