IndusInd Bank Personal Loan 2024: सैलरी से नही हो रहा गुजारा तो लेलो 30 हजार से 50 लाख का लोन, कोई इनकम प्रूफ कोई कोलैट्रल नहीं

IndusInd Bank Personal Loan: IndusInd Bank offers a personal loan for all your needs, whether you need it for education, marriage, buying a property, medical aid, and others. Under this loan, the bank is ready to fulfil the financial needs if it comes under the bracket of 30,000 to 50 Lakhs. The bank offers this instant loan at a lucrative interest rate of 10.49%. Being a leading loan lender in the industry, they offer so much to the borrowers, like collateral-free loans, flexible loan tenure, quick loan disbursement, and more. It doesn’t matter whether you are salaried or self-employed; this loan is for everyone.

If you fulfill some basic eligibility conditions, then you are an inch closer to your desire that this loan can fulfill. Also, if the loan application is submitted before 31 January 2024, then the processing fee will be waived under the new year’s offer. For more such details, read the article and the details shared.

IndusInd Bank Personal Loan 2024: सैलरी से नही हो रहा गुजारा तो लेलो 30 हजार से 50 लाख का लोन, कोई इनकम प्रूफ कोई कोलैट्रल नहीं

IndusInd Personal Loan 2024 Offer Details

Various details are available under the IndusInd loan, which we have summarised in a tabulated form.

Loan TypePersonal Loan
Loan Amount₹30,000 to ₹50,00,000
Tenure12 months to 72 months
Interest Rate10.49%*
Processing FeeZero (Until 31 January 2024)
Collateral RequiredNo
Cibil ScoreRequired
Mode of ApplyOnline
Loan ApprovalWithin a few days

Benefits of IndusInd Personal Loan

Some key benefits of IndusInd Personal may be a cornerstone of the personal loan. Such benefits will please both the borrower’s eye and their pocket.

Competitive Interest Rate: Apart from other lenders, the IndusInd personal loan interest rate is quite amazing and could be the first choice among the borrowers. Currently, the bank is providing loans under a mere 10.49%.

Zero Processing Fee: Other lenders charge a hefty 2 to 3% plus GST in loan processing, while at the same time, the IndusInd Bank is giving you a 2024 New Year offer where they will not charge any processing fee till 31 January 2024. However, post-expiry of this offer, the bank may charge up to 3%.

Easy Documentation: The Application form, along with 4 documents, only makes the application process so easy.

Flexi Loan Tenure: A huge 6-year (72 months) loan tenure duration is not everyone’s cup of tea.

No Collateral: Like others, IndusInd Bank doesn’t need any security to offer a loan. Your credibility is enough for them.

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IndusInd Instant Loan: Lowest Interest Rate

IndusInd Bank claims that they are offering personal loans with the lowest rates in the market. Right now, the bank is charging a 10.49% interest rate. However, the rate may vary depending on the individual loan amount, tenure, and EMIs. The final interest rate is calculated once the borrowers fix all these three items.

₹30,000 to ₹50,00,000 IndusInd Personal Loan Eligibility

Applicants must meet the eligibility criteria per the regulations and guidelines of IndusInd Personal Loan. To avoid surprises in the application form, check the comprehensive list of details below.

Salaried Employee

  • The minimum age to apply for a personal loan is 21 years.
  • The maximum age of the application at the time of loan maturity should be 60 years.
  • The minimum salary of the applicants is 25,000.
  • He/She must have completed two years in employment and a minimum of 1 year in the current institution.
  • Anyone on rent must have completed at least one year at the current address.

Self Employed Professionals

  • The minimum age of the applicants during the loan commencement is 25 years.
  • Meanwhile, during the loan maturity, the maximum age should be 65.
  • The net income yearly post-tax should be 4.8 lakh.
  • A post-qualification experience of 4 years is a must.

Self Employed Individuals

  • The minimum age of the applicants during the loan commencement is 25 years.
  • Meanwhile, during the loan maturity, the maximum age should be 65.
  • The net income yearly post-tax should be 4.8 lakh.
  • A post-qualification experience of 5 years is a must.

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List of documents required for IndusInd Personal Loan

You must provide a list of documents to apply for IndusInd Bank Personal Loan, which may vary slightly for salaried and self-employed (Individuals and professionals). Such documents may prove your identity and creditworthiness that you are eligible for the loan. Here, we have shared the required documents with the application form.

Documents detailsSalaried EmployeeSelf Employed (Individual)Self Employed (Professional)
Loan Application form with the latest PhotographYesYesYes
Self Attested Identity proofAadhar Card/Voter ID Card/PAN Card/PassportAadhar Card/Voter ID Card/PAN Card/PassportAadhar Card/Voter ID Card/PAN Card/Passport
KYCApplicants Identity Proof
Residence Proof (Utility Bills)
Signature Proof
Applicants Identity Proof
Residence Proof (Utility Bills)
Signature Proof
Applicants Identity Proof
Residence Proof (Utility Bills)
Signature Proof
Income ProofForm 16 or ITR Last 3 three months
Last three-month salary slip
Form 16 or ITR Last 3 three months
Last three month salary slip
Form 16 or ITR Last 3 three months
Last three-month salary slip
BankingLast three month’s salary credit bank statementLatest 6 month’s current account practice and 3 month’s savings account bank statementLatest 6 month’s current account practice and 3 month’s savings account bank statement

IndusInd Bank Personal Loan Application Procedure

In the digital era, everyone wants a smooth and digital application process. Disowning the cumbersome procedure, the IndusInd instant loan application process is so smooth that anyone without online knowledge may submit the form. The detailed procedure is given below.

  • Visit the Bank Authorised Portal.
  • Visit the loan section under the Apply Online Tab on the home page.
  • Enter details like PAN Number, Mobile Number, Email ID and Current PIN code.
  • An OTP for mobile number authentication is generated.
  • Upon confirmation, verify your address details.
  • Check the available loan offers and verify the online KYC.
  • Provide the bank details for loan disbursement.
  • Bank representatives may also call for other information or details.
  • Once the loan application is processed successfully, the loan amount is credited to your account.

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Who is eligible for an IndusInd Instant Loan?

Any salaried and self-employed are eligible to apply for the loan.

What is the interest rate of the IndusInd Personal Loan?

Currently, the bank charges an interest of 10.49%

What is the tenure of the IndusInd instant loan?

The borrower may repay the loan between 1 to 6 years.

Are there any additional charges under the loan?

Yes, the bank charges a processing fee of 3%, which will be deducted from the loan amount.

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