Bandhan Bank, Personal Loan

Get Personal Loan in 2days in Your Account

Interest rate:

  • check your Personal loan eligibility at the near Bandhan bank branch or it will be check online
  • when all your papers is submitted then loan will be disbursed in within two to three working days
  • Loan in your account in 2 days
  • Loan Amount minimum 50,000 Thousand rupees and maximum 25,00,000 Twenty Five Lacks
  • Tenure 12 to 60 moths


  • Salaried, self-employed.
  • Minimum age 21yers (salaried) 23 years (self-employed)

Document Required:

  • Identity and address proof -Pan card/ Passport/ Aadhaar card
  • One passport size Photo
  • Last three month’s salary slip
  • ITR last 2 years with computation income balance proof for self employed

Terms and Condition:

Bandhan Bank offers personal loans to meet various financial needs such as medical expenses, wedding expenses, travel, home renovation, and more. The terms and conditions for their personal loans are outlined below in easy-to-understand language.

Eligibility: To apply for a Bandhan Bank personal loan, you must be an Indian resident aged between 21 and 60 years. You should be a salaried individual or a self-employed professional with a stable source of income.

Loan Amount: The loan amount offered by Bandhan Bank for personal loans ranges from a minimum of Rs. 50,000/-.

Repayment Tenure: The repayment tenure for a Bandhan Bank personal loan can vary from 12 months to 60 months. You can choose a suitable tenure based on your financial capability.

Interest Rate: The interest rate on Bandhan Bank personal loans is determined based on various factors, including your credit score, income, and loan amount. It is important to check the prevailing interest rates before applying.

Processing Fee: Bandhan Bank charges a one-time processing fee for personal loan applications, usually a percentage of the loan amount. This fee is non-refundable.

Prepayment Charges: If you wish to prepay your personal loan, Bandhan Bank may levy prepayment charges, which vary depending on the outstanding loan amount and the time of prepayment.

Documentation: You will need to provide certain documents as proof of identity, address, income, and employment to complete the loan application process.

Credit Score: Bandhan Bank will evaluate your creditworthiness based on your credit score and credit history. A good credit score enhances your chances of getting a loan at favorable terms.

Collateral: Personal loans from Bandhan Bank are typically unsecured, meaning you don’t need to pledge any collateral. This reduces the risk but may also affect the interest rate.

Default Consequences: Failure to repay the loan as per the agreed terms may lead to penalties, affecting your credit score and making it challenging to secure future loans.

Loan Approval: The loan approval process may take a few days, during which the bank will assess your application and documents.

Disbursement: Upon loan approval, the sanctioned amount will be credited to your bank account. Ensure you use the funds responsibly for your intended purposes.

Remember, it is essential to read and understand all the terms and conditions before applying for a Bandhan Bank personal loan. Make sure you can comfortably manage the EMIs to avoid any financial stress during the repayment period.

About Bandhan Bank Personal Loan:

Bandhan Bank offers personal loans to individuals to meet various financial needs and requirements. A personal loan is an unsecured loan, which means you don’t need to provide any collateral to secure it. The bank assesses your creditworthiness based on your income, credit history, and repayment capacity.

To apply for a Bandhan Bank personal loan, you need to meet the eligibility criteria set by the bank, which typically includes age, income, and employment status. You can apply for the loan online or visit a nearby branch to submit your application.

The loan amount can range from a few thousand to lakhs of rupees, depending on your eligibility and the bank’s policies. The interest rates on personal loans may vary based on factors like your credit score, the loan amount, and the tenure.

The repayment period for a Bandhan Bank personal loan can range from a few months to several years, giving you the flexibility to choose a tenure that suits your financial situation.

You can use the loan amount for various purposes, such as funding a wedding, medical expenses, home renovation, or even debt consolidation.

It’s crucial to repay the loan on time to maintain a good credit score and avoid any penalties or late fees. Bandhan Bank provides multiple repayment options, including EMIs (Equated Monthly Installments), which make it easier for you to repay the loan over time.

Before applying for a personal loan, it’s essential to carefully assess your financial needs, existing obligations, and repayment capacity. Make sure to read and understand the terms and conditions of the loan agreement to avoid any surprises in the future.

Remember that personal loans should be used responsibly and for genuine financial needs, as defaulting on payments can negatively impact your credit score and financial standing. If you have any questions or need assistance, you can always reach out to Bandhan Bank’s customer support for guidance and clarification.


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