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Your ideal monthly Personal Loan EMI
₹ 35,000
₹ 2,320
₹ 37,320
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Customers Speak
IndusInd bank offered me the lowest interest rate, which is one of the main reasons why I applied for the personal loan. I was trying for 5 lakhs and they offered me very low interest rate. The whole process was very smooth and the disbursal amount also came very quickly.
Peeyush Jain
41 years- Ranchi
I have taken a personal loan from IndusInd Bank. The loan amount was credited in just a few days. The whole documentation process was digital; even my KYC verification happened through Video Conferencing. This was very helpful considering the COVID situation
Sambhavi Singh
35 years- Bareli
Interest rate was very good so I opted for the personal loan from IndusInd bank. I have been associated with the bank for a long time and also have a savings account with them but the loan process was so easy and quick that now I have more reasons to recommend it to my friends who need funds on an immediate basis.
Kundan Ray
29 years- Kolkata
I got my loan amount in just few days. Kudos to the IndusInd bank for getting the loan processed in such a quick time. The process was very quick and hassle-free. I will pass on this positive experience to other colleagues and friends. Thanks once again!
Harshit Choudhary
41 years- Delhi
My experience of applying personal loan with IndusInd was quite good. The interest rate was low and there was hardly any hassle in the application process. Infact for my KYC verification also I didn’t visit the branch, it happened online.
Sakshi Mallik
38 years-Kolkata
My loan was sanctioned in just 15 days and the processing fee was taken from the loan amount itself. They offered me an interest rate of 11% and I’m paying the EMI amount of Rs. 16200 for the loan amount of Rs. 3.40 lakhs. I was also very impressed with the flexibility they offered me to repay the loan amount.
Sumanka Chakraborty
41 years- Assam
My sincere thanks to IndusInd Bank for making life so simple through their smooth personal loan process. I availed personal loan in a hassle free manner.
Priyank Srivastava
32 years- Bihar
Low interest rates, fast and easy approval, flexible repayments option, no extra or hidden charges. I feel this is the best bank for personal loan. Have been paying my EMI from past 4 years and never till date I have had any issues or concerns.
Kunal Trivedi
33 years- Pune
Excellent!! The processing of my personal loan application with IndusInd bank was very fast. The process was completely hassle free and smooth and the money was credited to my account within few days
Subhash Anand
42 years- Maharashtra
I applied for a personal loan online and was amazed to see the digital processing of the loan application. This new age bank ensured smooth execution the of the entire loan process online. Thank you, IndusInd your support helped me to get money for my Wife's treatment.
Ajijur Rehman
52 years- Kolkata
More about Personal Loan
Still have questions? Get them answered right away, with our frequently asked questions.
A personal loan is an unsecured term loan provided by the bank that an individual can use as per his/her personal need. A personal loan unlike a home or car loan do not require lock in of any collateral by the applicant.
A personal loan can be used for various expenses such as education, medical bills, home renovation, wedding, etc. A low interest personal loan is one of the easiest ways to get financial aid for any personal use.
In case all details are correct and verified in real-time, disbursal should happen within few hours (up to 6 hours), else it may take few days (1-2 days).
You can repay your loan over a period of 12 to 48 months.
Rate of interest will be 12.3% onwards. Applicable Government taxes, levies, etc. are over and above Fees & Charges.
Once you get preapproved loan, you have an option to apply for Top-up loan as well.
You can prepay/foreclose the entire loan outstanding any time after paying 12 instalments. Prepayment charges as applicable would be levied on the outstanding loan amount. The exact amount for pre-closure of the loan is available in the Foreclosure Letter issued by the bank. TAT (Turn Around Time) for issuance of a Foreclosure Letter is 15 working Days from the date of request.
Part prepayment is not allowed. The personal loan has to either be prepaid in full or serviced for the contracted tenure.
You pay the loan in equated monthly instalments (EMIs). The loan will be paid through E-Nach for other banks. You can also pay through a standing instruction to debit your IndusInd Bank account with the EMI amount.
The different charges are: Processing fee (up to 2.5% of the loan amount), Stamp duty (as per the applicant’s residence state), Documentation Charges (depending on the loan amount), GST and other applicable government taxes, levies.
To obtain the loan, there is absolutely no need to provide any security or collateral.
No guarantor is required for availing the loan.
Basis your PAN and employment details, an in-principle offer will be shown to you. If you need more amount than the offer displayed, you can choose to submit 6 months bank statements for us to offer the best amount that you are eligible for.
You can approach us in any of the following ways:
Call us at our 24 hour Customer Care number: 1860 267 7777 / +91 22 44066666
Write to us at reachus@indusind.com
You can approach us in any of the following ways:
Call us at our 24 hour Customer Care number: 1860 267 7777 / +91 22 44066666
Write to us at reachus@indusind.com
You would require Aadhaar Card and PAN Card. If your current address doesn’t match with your Aadhaar Address, you will need an additional current address proof (Driving License, Passport, etc.)
You can view the service charges associated with a personal loan by clicking on the link.
You can always resume the journey from where you left off by providing basic details like your Mobile Number.
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