Planning a family vacation in a beautiful location in Australia? Facing the problem of credit card debt? Want to renovate your home? Interested in buying an expensive home appliance? Well, all this and many more personal needs of yours can easily be fulfilled with Bandhan Bank Personal Loan. That’s Right! The bank by offering the credit facility to all the applicants ensures that the needs of all the customers can easily be fulfilled. And, do you know which is the best part? No matter what your needs are, the bank will customize the loan for you, making sure that it is best suited to your personal needs. Not only this, but the existing account holders of the bank are eligible to enjoy lucrative offers, attractive interest rates, and minimal charges. 

So, without wasting any time further, let’s just get to know more about this credit facility on the page below.

Bandhan Bank Personal Loan Interest Rates 2025

Below are the highlights of the personal loan along with the Bandhan Bank personal loan interest rate, make sure to check them properly before applying for the same - 

Particulars	Details
Interest Rates	Salaried: 12.15% (up to 3 years) 9.47% (above 3 years)  Self Employed: 12.55% (up to 3 years) 10.10% (more than 3 years)
Loan Amount	Rs.50,000 to Rs.25,00,000
Tenure	12 months to 60 months

Bandhan Bank Personal Loan Eligibility

Here are the eligibility criteria for Bandhan Bank personal loan for Salaried / Self-Employed Professionals / Self-Employed Non-Professionals

Age Criteria:

• Minimum: 21 years for salaried individuals; 23 years for self-employed
• Maximum Loan Maturity: 60 years for salaried; 65 years for self-employed

Transaction Requirements:

• Salaried: Minimum 1 customer-induced transaction in the salary account per month.
• Self-Employed Professionals (SEP) / Self-Employed Non-Professionals (SENP):
• Minimum 1 debit and 2 credit transactions (customer-induced) per month, OR
• At least 12 credit transactions in the last 12 months (in the main account only).

Documents Required to Apply for Bandhan Bank Personal Loan

You have to document ready, as far as availing this loan is concerned. To know a complete list of documents required while applying for the Bandhan Bank Personal Loan, just read the page below.

Identity & Address Proof (Any One):

• Passport
• Driving License
• Proof of Possession of Aadhaar Number
• Voter’s Identity Card issued by the Election Commission of India
• Job Card issued by NREGA, duly signed by a State Government officer
• A document issued by the National Population Register that includes the individual's name and address details.

Additional Requirements:

• One recent photograph
• For Salaried Individuals: Last 3 months’ salary slips & salary account statement*
• For Self-Employed Individuals: ITR with computation & last 12 months' main business account statement*

*Not applicable for online applications based on pre-qualified offers.

Calculate Your Bandhan Bank Personal Loan EMI Monthly

Want to know what would be your EMI, if you are going to avail a personal loan from the bank? Well, all you need to know about Wishfin Bandhan Bank Personal Loan EMI Calculator. This magical and smart device with its fastest algorithm fetches the values in just a few seconds. After taking into consideration:

• Loan Amount

• Tenure

• Interest Rate

The device churns out the values for you so that it is going to be a hassle-free ride for you. It saves a lot of time and energy , hence can also be called an efficient online tool, which helps in making your calculative decision.

Suppose: Ankit Verma, a 28-year-old, Software Engineer by profession wants to avail of a loan of Rs. 15 Lakhs to renovate his home. Bandhan Bank has agreed to offer the same amount at an interest rate of 9.47% per annum to 12.55% per annum for a tenure of 5 years. So what would be the monthly EMIs for the tenure from 1 year to 5 years? 

Let’s find out the same via an EMI Calculator.

TENURE	TOTAL INTEREST @9.47% p.a.	TOTAL AMOUNT @12.55% p.a.
1	Rs.1,31,504.37	Rs.1,33,659.43
2	Rs.68,851.03	Rs.70,996.09
3	Rs.48,028.39	Rs.50,216.42
4	Rs.37,663.22	Rs.39,907.03
5	Rs.31,480.81	Rs.33,785.07

Fee/ Charges of Bandhan Bank Personal Loan

Processing Fee	Up to 3% of loan amount + GST
Foreclosure Charges (Fixed Rate Loans)	4% of the principal outstanding within the first 12 months. 2.5% after 12 months. No charges for loans of Rs.10 lakh or above after 12 EMIs if using your funds. For Personal Loan Staff (Rs.<10 lakh), a 1% foreclosure charge (for active staff) or normal rates apply.
Part-Payment charges	Allowed after 12 months, up to 25% of the principal, once a year, twice during tenure.
Other Charges	Stamp duty, document retrieval, statement requests, cheque bounce, and penal charges as per state law.
Document retrieval charges	Rs.500 + GST
Duplicate NOC	Rs.300 + GST
Stamp duties	Actual as per state law
Duplicate NOC	Rs.300 + GST

Features and Benefits of Bandhan Bank Personal Loan

 

Here are the features and benefits of Bandhan Bank Personal Loan

• Attractive Interest Rates – Competitive interest rates ensure affordability, making repayments easier.
   
• Fast Loan Processing with Doorstep Document Pickup – Enjoy a hassle-free loan process with quick approvals and doorstep document collection.
   
• Instant Loan Disbursal – Get funds quickly to meet your urgent financial needs.
   
• Flexible Part-Payment Option – Repay a portion of your loan before tenure completion to reduce interest burden.

Bandhan Bank Personal Loan Apply Online

When it comes to applying for Bandhan Bank, it would not be wrong to say that you can easily apply online for the same. Yes, the bank offers an online facility, wherein from the comfort of your home or office, you can anytime apply for this unsecured credit facility to meet your various personal needs. The process of online application is extremely simple and quick as all you need to do is just submit an online application form by clicking the submit button. Soon after receiving your application, the bank executives will get in touch with you for further loan proceedings.

Conclusion

Bandhan Bank Personal Loan is a flexible and convenient financing option designed to meet various personal needs. With loan amounts ranging from Rs.50,000 to Rs.25 lakh, borrowers can enjoy attractive interest rates starting at 9.47% p.a. for salaried individuals and 10.10% p.a. for self-employed professionals. The bank ensures a seamless experience with fast processing, doorstep document collection, and instant disbursal. Existing customers enjoy exclusive offers, making this personal loan an ideal financial solution.

FREQUENTLY ASKED QUESTIONS

1. What is the latest interest rate of Bandhan Bank Personal Loan?

Here is the interest rate for Bandhan Bank Personal Loan which depends on the job profile of the applicant - 

• Salaried Individuals: Starts from 9.47% p.a. (for tenures above 3 years) and 12.15% p.a. (for tenures up to 3 years).
   
• Self-Employed Individuals: Starts from 10.10% p.a. (for tenures above 3 years) and 12.55% p.a. (for tenures up to 3 years).

2. What is the loan amount offered by Bandhan Bank for personal loans?

Bandhan Bank offers personal loans ranging from ₹50,000 to ₹25 lakh, depending on the applicant’s eligibility.

3. What documents are required to apply for a Bandhan Bank Personal Loan?

The document list that is required while applying for the Bandhan Bank Personal Loan - 

• Identity & Address Proof (Passport, Aadhaar, Voter ID, Driving License, etc.)
• Income Proof:
• Salaried: Last 3 months’ salary slips & salary account statement
• Self-Employed: ITR with computation & last 12 months’ bank statement
• One recent passport-size photograph

4. Are there any foreclosure or part-payment charges on Bandhan Bank Personal Loan?

• Foreclosure Charges (Fixed Rate Loans):
  • 4% if foreclosed within 12 months
  • 2.5% if foreclosed after 12 months
  • No foreclosure charges for loans of ₹10 lakh+ after 12 EMIs (if using own funds)
     
• Part-Payment Charges:
  • Allowed after 12 EMIs, up to 25% of the principal, only once a year and twice during the loan tenure.

5. What is the processing fee for the Bandhan Bank Personal Loan?

The Bandhan Bank charges up to 3% of the loan amount + GST as a processing fee.

6. How to apply for a Bandhan Bank Personal Loan?

You can apply online through Bandhan Bank’s website or visit the nearest branch to complete the application process.