Established in 1994, IndusInd Bank is the first of the new-generation private banks in India. With 800 branches, and 1500 ATMs in India, this reputed bank plans to expand its network of branches nationwide via meeting the global benchmarks. Whether it's a home renovation, a family vacation, or a friend's wedding, IndusInd Bank Personal Loan offers affordable interest rates starting at 10.49% p.a. to meet your financial needs. Enjoy a seamless loan experience with low personal loan interest rates, flexible tenure, and hassle-free processing so you can live life to the fullest.

We are talking about IndusInd Bank with the best Personal Loan in India that can fulfill all your needs in the best way.

IndusInd Bank Personal Loan Interest Rate 2025

If you're looking for a personal loan, IndusInd Bank Personal Loan Interest Rates start at just 10.49% p.a., ensuring low EMIs and minimal interest outgo. Enjoy a hassle-free borrowing experience with attractive rates and smooth processing.

Particulars	Details
Interest Rates	10.49% p.a. onwards
Minimum Income	Rs. 21,000 per month
Loan Amount	Minimum - Rs.30,000  Maximum - Rs. 25 Lakh
Repayment	From 12 months to 84 months
Processing Fee	Upto 2% + GST (Limited Time Offer)

Different Types of IndusInd Bank Personal Loan

Here are the types of personal loans available under IndusInd Bank - 

1. Personal Loan for Home Renovation
2. Personal Loan for Wedding
3. Personal Loan for Travel
4. Personal Loan for Medical Expenses
5. Personal Loan For Debt Consolidation

IndusInd Bank Personal Loan for Home Renovation - Upgrade your home effortlessly with IndusInd Bank's flexible personal loan. Get instant funds for renovations, from kitchen upgrades to outdoor makeovers. Transform your space with an IndusInd Bank Personal Loan today.

• 100% Digital Process: Apply online with a fully paperless and hassle-free process, ensuring instant access to funds from the comfort of your home.
• Instant Approval & Quick Disbursal: No in-person visits or physical documentation, ensuring seamless approval and fast fund transfer.
• Competitive Interest Rates: Enjoy affordable loan options with interest rates starting from just 10.49% p.a.
• No Collateral or Guarantor Required: Access funds easily without the need for security or a guarantor.
• High Loan Amounts: Avail loan amounts ranging from Rs.30,000 to Rs.5 lakh to cover all your renovation expenses.
• Flexible Repayment Tenure: Choose a repayment period between 12 to 72 months for comfortable EMI payments.

IndusInd Bank Personal Loan for Wedding - Make your dream wedding a reality with IndusInd Bank Instant Personal Loan. Cover all expenses effortlessly, from the dress to the venue, without compromise. IndusInd Bank personal loans for weddings come with a lot of benefits. Some of them are mentioned below - 

• 100% Digital & Paperless: Apply online for instant access to funds.
• Instant Approval & Quick Disbursal: No delays due to physical documentation.
• Affordable Interest Rates: Starting from just 10.49% p.a.
• No Collateral or Guarantor: Hassle-free access to funds.
• High Loan Amounts: Avail Rs.30,000 to Rs.5 lakh for wedding expenses.
• Flexible Repayment: Tenure options from 12 to 72 months.

Personal Loan for Travel by IndusInd Bank - Turn your travel dreams into reality with IndusInd Bank Personal Loan for Travel. Get the funds you need for unforgettable adventures, hassle-free.  Some of the benefits are mentioned below -

• 100% Digital Process: Enjoy a quick, paperless application and get funds instantly from the comfort of your home.
• Instant Approval & Disbursal: No bank visits or physical documentation—just fast approval and speedy fund transfer.
• Competitive Interest Rates: Get travel loans at attractive rates starting from 10.49% p.a., making your trips more affordable.
• No Collateral or Guarantor: Access funds easily without the need for security or a guarantor.
• High Loan Amounts: Borrow from Rs.30,000 up to Rs.5 lakh to cover all your travel expenses.
• Flexible Repayment: Repay conveniently with tenure options from 12 to 72 months.

IndusInd Personal Loan for Medical Expenses - Life is unpredictable, and medical emergencies can arise anytime. With IndusInd Bank Personal Loan, you get instant financial support to manage medical expenses, whether for high-cost treatments or urgent needs beyond health insurance coverage. Get instant financial support with IndusInd Bank Personal Loan, offering:

• Easy Application – 100% paperless and hassle-free process.
• Instant Approval – Quick disbursal with no delays
• Low Interest Rates – Starting at just 10.49% p.a
• No Collateral Required – Access funds easily without a guarantor
• High Loan Amounts – Rs.30,000 to Rs.5 lakh to cover medical costs
• Flexible Repayment – Tenures from 12 to 72 months for easy EMIs

Personal Loan For Debt Consolidation- Struggling with multiple debts? Simplify your finances with an IndusInd Bank Personal Loan for Debt Consolidation. Manage all your debts easily and move towards financial freedom with our customized solution. The benefits of IndusInd Bank Personal Loan for Debt Consolidation are mentioned below - 

• 100% Digital Process: Apply online with no branch visits.
• Flexible Repayment: Choose a tenure from 12 to 72 months.
• Instant Approval & Quick Disbursal: Get funds faster.
• Competitive Rates: Interest starts from 10.49% p.a.
• No Collateral Required: No need for a guarantor.
• High Loan Amount: Borrow from Rs.30,000 to Rs.5 lakhs.

IndusInd Bank Personal Loan Eligibility Criteria

To avail of the personal loan from IndusInd Bank, you need to fit into the below eligibility criteria -

Personal Loan Eligibility for Salaried Employees

• Age: 21 years (minimum) to 60 years or retirement age (whichever is earlier) at loan maturity.
• Income: Minimum Rs.25,000 net monthly income for online applications.
• Employment: At least 2 years of total work experience, with 1 year in the current organization.
• Residence: Minimum 1 year stay at current residence (if rented).

Personal Loan Eligibility for Self-Employed Professionals

• Age: Must be at least 25 years, with loan maturity not exceeding 65 years.
• Income: Minimum annual net post-tax income of Rs.4.8 lakh.
• Experience: At least 4 years of post-qualification work experience.

Personal Loan Eligibility for  Self-Employed Individuals 

• Age: Minimum 25 years, with loan maturity capped at 65 years.
• Income: Annual net post-tax income must be at least Rs.4.8 lakh.
• Experience: Minimum of 5 years of post-qualification work experience.

Documents Required for IndusInd Bank Personal Loan Application

For Salaried Employees - 

Most banks require the following documents for a personal loan application:

• Application Form: Duly filled form with a recent photograph.
• Identity Proof: Self-attested copy of anyone:
• Driving Licens
• Passport
• Voter ID
• Aadhaar
• PAN
• KYC: Valid identity, residence, and signature proof.
• Income Proof:
• Form 16 or ITR for the last 3 years
• Latest 3 months' salary slips
• Banking Proof: Latest 3 months' salary credit bank statement

However, new-age banks like IndusInd Bank offer a 100% digital application process with no physical documentation or income proof required, ensuring quick and hassle-free loan disbursal.

For Self-employed Professionals -

• Application Form: Duly filled form with a recent photograph.
• Identity Proof (Self-attested copy of any one):
• Driving License
• Voter ID
• Passport
• Aadhaar Card
• PAN Card
• KYC Documents: Valid identity, residence, and signature proof.
• Banking Documents:
• Latest 6 months' Practice Current Account statement
• Latest 3 months' Primary Savings Bank statement. 

For Self-Employed Individuals -

• Application Form: Duly filled form with a recent photograph.
• Identity Proof (Self-attested copy of any one):
• Aadhaar Card
• PAN Card
• Driving License
• Voter ID
• Passport
• Income Proof:
• Latest 3 years' ITR/Form 16
• Banking Documents:
• Latest 3 months' Primary Savings Bank statement
• Latest 6 months' Business Current Account statement. 

Calculate your IndusInd Bank Personal Loan Monthly EMI 2025

Suppose, you are interested in availing a loan of Rs. 10,00,000 from IndusInd Bank for 5 years at the rate of 10.49% p.a. and say up to 20.00% p.a. What would be your monthly EMI? 

You can take the help of Wishfin IndusInd Bank Personal Loan EMI Calculator Online, which allows you to know your EMI by doing all the calculations for you. This tool takes into account your loan amount, interest rate, and tenure, and gives you the results in return. You just need to enter these fields into a calculator, it will give you the results instantly. 

Well, to make you understand below is the calculation done by the calculator for your Personal loan:

Tenure	Interest Rate (10.49%)	Interest Rate(20.00%p.a.)
1	Rs.88,143.95	Rs.92,634.51
2	Rs.46,371.41	Rs.50,895.80
3	Rs.32,497.73	Rs.37,163.58
4	Rs.25,598.55	Rs.30,430.36
5	Rs.21,488.95	Rs.21,488.95

Schedule of Charges of IndusInd Bank Personal Loan

This table will help you with the fee/charges applied on the IndusInd Bank personal loan apart from the interest rate, make sure to go through them before or after applying -

Processing Fees	Up to 2% + GST (Limited Time Offer)
Prepayment Charges (allowed after 12 EMIs)	4% of the outstanding principal after completing 12 EMIs + GST.
Payment Dishonour Charges	Rs 450/- per instance + GST
Cheque / ECS / SI Swapping Charges	Rs 500/- per event + GST
Penal Charges	2% + GST on total overdue or 100 + GST whichever is higher
Loan Cancellation Charges	Rs 1000/- per event + GST
Legal Charges	As per Actuals
Stamp Duty	As per State laws

IndusInd Bank Personal Loan Features and Benefits

IndusInd Bank offers exciting features on its personal loans such as minimal documentation, balance transfer at affordable interest rates, doorstep convenience, flexible repayment options, and much more. We are providing you details about all these features so that you will be able to make a good decision while applying for this loan.

• Easy Documentation: Minimal paperwork ensures a hassle-free application process, making loan approval quick and convenient.

• Flexible Personal Loan Tenure: Choose a repayment tenure between 12 to 72 months, allowing you to manage EMIs as per your financial comfort.

• Best-in-Class Features: Enjoy competitive interest rates, high loan amounts, and a seamless borrowing experience tailored to your needs.

• Online Application: Apply 100% digitally without visiting a branch, ensuring a smooth and time-saving process.

• Instant Approvals: Get quick loan approvals with fast disbursals, helping you meet urgent financial needs without delay.

• Competitive Interest Rates: Avail attractive interest rates starting from 10.49% p.a., making repayment affordable.

• No Collateral Required: Get a personal loan without pledging any assets or requiring a guarantor

• Flexible Repayment Options: Customize your repayment schedule with options ranging from 12 months to 6 years, ensuring comfortable EMI payments. 

IndusInd Bank Personal Loan Status

Knowing your personal loan status is an easy and quick process with the help of which you can get information about whether your loan application has been approved, pending, or rejected. You just need to enter the loan application number on the site and with the help of the same, you can easily know the actual status of your loan. It is that fast and simple.

IndusInd Bank Personal Loan Customer Care Number

In case you want to get in touch with the bank, you can easily do so by dialing the toll-free number of the bank - 

• 18602677777 or 
• 022 44066666 and 
• 022 44066666

And can easily register any complaint, query, or feedback in the bank. The customer care executives of the bank will always be there to help and guide you and give you the best solution, making your journey smooth and hassle-free.

Summary!

IndusInd Bank personal loans offer competitive interest rates starting at 10.49% p.a., offering various financial needs such as home renovation, weddings, travel, medical emergencies, and debt consolidation. The bank provides a 100% digital application process with minimal documentation and no collateral requirements. Loan amounts range from Rs.30,000 to Rs.25 lakh, with a flexible repayment tenure of 12 to 84 months. Eligible salaried and self-employed individuals can apply online, ensuring instant approval and quick disbursal. Borrowers can also check their loan status online and reach customer support for assistance.