IndusInd Bank Personal Loan 2025 - Up to ₹50 Lakhs & Zero Collateral

Features of IndusInd Bank Personal Loan

1. Flexible loan tenures available
2. You can avail yourself of a personal loan from IndusInd Bank with minimum physical documentation, quick processing of loan, and quick disbursal of the loan amount to your bank account.
3. Avail doorstep service for loan-related processes
4. Competitive interest rates
5. No guarantors or collateral
6. Use the 'Balance Transfer Option' to do away with high interest debt
7. Flexible repayment gateways including ECS from any bank or through IndusInd Bank account debit

Documentation Required for IndusInd Bank Personal Loan

1. Signed application form with photograph

2. Copy of passport/voter ID card/driving license

4. Last 3 months bank statement/6 months bank passbook

5. Documentation for salaried applicants:

1. Latest salary slip
2. Current dated salary certificate with the latest Form 16

6. Documentation for self-employed applicants:

1. Latest Bank statement
2. Latest ITR or Form 16

IndusInd defines 3 categories of loan takers - Salaried, Self-employed professional, and Self-Employed individual.

For salaried employees

Salaried employees, as defined by IndusInd Bank, include chartered accountants, doctors, select private and public sector employees, PSU and central government employees, and government state and local body employees.

1. Available for designated employees categorized within 21 years to 60 years of age.
2. Monthly net income shouldn't be less than Rs.25,000.
3. 2 years minimum overall experience, and 1 year minimum experience in present company.
4. For people availing rented accommodation, they must have resided for at least 1 year in the present residence.

For self-employed professionals

Self-employed professionals as defined by IndusInd include architects, self-employed doctors and CAs, engineers, company secretaries, as well as MBA consultants.

1. Applicants' age should be within 25 years to 65 years.
2. Net annual income to be more than Rs.4.8 lakhs.
3. Minimum 4 years of experience post qualification.

For self-employed individuals

Self-employed individuals include partners, directors, and sole proprietors involved in services, trading, or manufacturing businesses.

1. Age of the applicant should be within 25-65 years.
2. At least Rs.4.8 lakhs in net income.
3. At least 5 years of experience post the relevant qualification.

Other Fees and Charges:

How to Calculate IndusInd Bank Personal Loan EMI?

Customers can find the EMI amount payable on IndusInd personal loans through BankBazaar's dedicated Personal Loan EMI Calculator:

1. Go to BankBazaar's website and bring the mouse cursor on the Financial Tools tab given at the top. Click on Personal Loan EMI Calculator.
2. Enter exact figures under the given categories, namely - Loan Amount (up to Rs.25 lakhs), Tenure (up to 5 years), Interest Rate (applicable interest rate), and Processing Fee (according to respective Bank rules).

The information displayed here will be very helpful in planning loan repayment over the chosen tenure, as well as provide you with an outline of your actual standing in terms of repayment.

IndusInd Bank Personal Loan Balance Transfer

If you have an existing personal loan from another lender, you can use the personal loan balance transfer facility to transfer your loan from your previous bank to IndusInd Bank. You will enjoy lower EMIs due to competitive interest rates charged on your existing loan including low processing fee thus making it easier for you to repay your loan on time and also helping you improve your credit score.

You can visit the IndusInd Bank official website, where under 'Personal Loan' you will be able to find the 'Balance Transfer' section. On clicking on it, you will be directed to a new page where you can click on 'Apply Now' and avail the facility by following the instructions.

IndusInd Bank registered office address

IndusInd Bank Limited, 2401 Gen. Thimmayya Road (Cantonment), Pune-411 001, India.

How to Contact IndusInd Bank Personal Loan Customer Care?

You can contact IndusInd Bank through the following ways:

1. Call the IndusInd bank personal loan customer care number 1860 500 5004 or 022 44066666. These numbers are available around the clock.
2. Email the bank at reachus@indusind.com
3. You can also walk into any of the nearest branches.

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