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

A Bandhan Bank Personal Loan can help you fulfil your financial needs and ambitions. This loan enables you to borrow amounts of up to ₹25 Lakhs at interest rates starting from just 9.47% p.a. You can also benefit from a flexible tenure of up to 60 months. The verification, approval, and disbursal processes are usually completed within 2 days.

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

*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. 

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Features and Benefits

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

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:

  • Identity and Address Proof: Any of the following:

    1. Passport

    2. PAN card

    3. Voter ID 

    4. Driving licence

    5. 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

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’

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Following this, your information will be verified. After this, 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.

DISCLAIMER

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.

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Frequently Asked Questions

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.

In case of prepayment of a personal loan, does Bandhan Bank charge a fee?

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

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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