Bandhan Bank Personal Loan Interest Rate 2025

If you’re considering a personal loan, Bandhan Bank offers competitive interest rates starting at just 12.15% per annum. While the bank provides attractive loan features, it’s important to be aware of the additional charges and factors that can influence your overall borrowing cost. In this blog, we’ll walk you through everything you need to know about Bandhan Bank personal loans. 

Bandhan Bank Personal Loan Interest Rate Highlights

Here is a table with some primary information about Bandhan Bank personal loans:

Types of Bandhan Bank Personal Loan

There are two types of personal loans in Bandhan Bank. Here is an explanation of them.

• Fixed-rate Bandhan Bank Personal Loan: This loan offers a fixed interest rate, ensuring predictable EMIs and stable expenses—ideal for those who prefer consistency in repayments.
• Floating-rate Bandhan Bank Personal Loan: This loan has a dynamic interest rate that fluctuates with market trends and RBI rates. It offers a lower initial rate, proving ideal for those comfortable with risks. 

Features of Bandhan Bank Personal Loan

Here is a list of characteristics of Bandhan Bank's personal loans:

• Bandhan Bank provides quick disbursal of loans directly into the borrower’s savings/current account with Bandhan Bank.
• Online personal loan eligibility check.
• Bandhan Bank provides a personal loan up to Rs. 25 lakhs.
• This bank provides personal loans for a minimum of 1 year up to a maximum of 5 years.
• Bandhan Bank offers a streamlined and fast application procedure.
• They have an active team for their customer’s grievances and queries.
• Bandhan bank offers loans for interest rates ranging from 9.47% p.a to 18.50% per annum, depending on various factors including loan tenure and loan amount.

Bandhan Bank Personal Loan Interest Rate 2025

Bandhan Bank's personal loan interest rate starts at 9.47% p.a. and goes up to 18.50% pa. Your interest rate depends heavily on your job type and the tenure of your loan. Applicants who are self-employed professionals or businesspersons pay relatively higher interest rates than salaried employees. However, it provides other benefits such as online eligibility checks, streamlined application processes and quick loan disbursal.

Factors Affecting Bandhan Bank Personal Loan

Here is a list of factors that affect the interest rates for personal loans in Bandhan Bank:

• Loan Tenure: Opting for a loan tenure of over three years with Bandhan Bank can fetch you a lower interest rate, while shorter tenures may attract higher rates.
• Job Type: Your job type highly influences your personal loan interest rate. A salaried person with less income than a self-employed business person might get a personal loan at a lower interest rate.
• CIBIL Score: A CIBIL score of 750 or higher proves you have good credibility based on your previous loans. This helps to lower interest rates for a personal loan in Bandhan Bank.
• Interpersonal Relationship: A good and long transactional relationship with the bank impacts the interest rates being provided to the applicant.
• Income: A person with a high-paying permanent job or a stable and high-profit-making business person is likely to get a low personal loan interest rate.

Fees and Charges of the Bandhan Personal Loan Scheme

Here is a list of fees and charges in Bandhan Bank personal loans other than interest charges:

• Loan processing charges up to 3% of the loan amount.
• No processing charges for loan amounts less than 10 lakhs.
• A fine of Rs. 200 per Rs. 10,000 of EMI dues + GST for any kind of default in payment, including late fees.
• A foreclosure charge of 4% of the remaining principal amount is repaid within one year of loan disbursal and 2.5% of the remaining loan amount if repaid after one year of loan disbursal.
• Rs.500 + GST for Document retrieval.
• Rs. 100 + GST for getting your statement of accounts.
• Rs. 300 + GST to get a duplicate NOC.
• Stamp duties as initiated by the state law.

Eligibility Criteria For Bandhan Bank Personal Loans

Here is a list of eligibility criteria for getting a personal loan from Bandhan Bank:

• Salaried employees, self-employed professionals and business persons are eligible for a Bandhan Bank personal loan.
• For salaried employees, the minimum age should be 21 years and the maximum age at the time of loan maturity should be 60 years.
• For the self-employed, the minimum age requirement is 23 years, which can go up to 65 years at the time of loan maturity.
• A salaried employee should have at least one customer-induced transaction every month in their salary account. 
• Self-employed people should have at least one customer-induced debit transaction and two customer-induced credit transactions monthly.
• Self-employed people are also eligible if they have 12 credit transactions in the last 12 months on their primary account.

Documents Required To Apply For Bandhan Bank Personal Loan

Here is a list of documents that you will need while applying for a loan at Bandhan Bank.

• Identity Proof: Aadhaar card, PAN card, Driving License or Voter’s ID card 
• A job card issued by NGERA and signed by a state government officer.
• Duly filled application form along with attached passport-size photographs.
• Last three month’s payslips and salary account statements for salaried employees.
• Previous year’s ITR file, previous year’s balance sheet and last 12 months’ main account statement for self-employed professionals and businesspersons.

Bandhan Bank Personal Loan EMI Calculator

Bandhan Bank personal loan EMI calculator instantly computes your monthly EMI and total interest payable based on your loan amount and tenure. By adjusting these parameters, you can explore various repayment options to find what suits you best. While longer tenures lower your monthly EMI but increase total interest, shorter tenures reduce overall interest but raise your monthly payments.

Bandhan Bank Personal Loan Customer Care

If you want to meet the authorities, you can visit their nearest branch office or contact them through Bandhan Bank’s official website. You can also call these toll-free numbers for online assistance.

• Toll-free numbers: 1800-258-8181 / 033-4409-9090
• Customer Care No: 033-6633-3333
• Customer Care Email ID: customercare@bandhanbank.com

Bandhan Bank fulfils your instant requirement for funds by disbursing a personal loan within a few days. You can process a loan without wasting time via online loan eligibility checks and a doorstep documentation collection facility. This bank offers personal loans at a competitive Bandhan Bank personal loan interest rate with no processing charge facility for a loan amount of Rs. 10 lakhs.

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