Indian Bank Personal Loan

⋆ Interest Rate 9.99% ⋆

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Why us?

Rates as low as 9.99%*
Loans Up to 30 Lacs
Same Day Disbursal
Doorstep Service
Unbiased Experts Advice

Indian Bank Personal Loan Key Features

Eligibility Criteria Details
Age 21 – 60 (at loan maturity)
CIBIL score Minimum 700 or above
Indian Bank Personal Loan Interest Rate 9.99% per annum 
Lowest EMI per lakh Rs 2275
Tenure 12 to 60 months
Indian Bank Personal Loan Processing Fee 1%
Prepayment Charges NIL
Part-Prepayment N/A
Minimum Loan Amount Rs. 50,000
Maximum Loan Amount Rs. 10 Lakh

Each Feature Explained in Detail Below


Indian Bank Personal Loan Eligibility Criteria

Eligibility criteria for a personal loan:

CIBIL score 700 and Above
Age 21 – 60 years
Min Income Rs. 20000/month
Occupation Salaried/Self-employed

Indian Bank Personal Loan Interest Rates and Charges

Indian Bank Personal Loan Interest Rate 9.99% per annum 
Indian Bank Personal Loan Processing Charges  1%
Prepayment Charges NIL
Stamp Duty As per state laws
Cheque Bounce Charges As per bank terms

Indian Bank Personal Loan Documents Required

Proof of Identity Copy of:
> Passport
> Driving License
> Aadhar Card
> Voter ID Card
Proof of Address Rent Agreement (Min. 1 year of stay)
Utility Bills
Passport (Proof of permanent residence)
Ration card
Proof of Income > ITR: Last two Assessment years
> Salary Slip: Last 6 months
> Bank Statement: Last 3 months

Indian Bank Personal Loan EMI Calculator

Indian Bank Personal Loan Compared to Other Banks

Bank Interest Rate Tenure Loan Amount & Proc Fee
Indian Bank   9.99% 12 to 60 months Up to Rs. 10 lakh / Up to 1 % of the loan amount
HDFC Bank 11.25% to 21.50% 12 to 60 months Up to Rs. 40 lakh / Up to 2.50% of the loan amount
Bajaj Finserv Starting from 12.99% 12 to 60 months Up to Rs. 25 lakh / Up to 3.99% of the loan amount
Axis Bank 15.75% to 24% 12 to 60 months Rs. 50,000 to Rs. 15 lakh / Up to 2% of the loan amount
Citibank Starting from 10.99% 12 to 60 months Up to Rs. 30 lakh / Up to 3% of the loan amount
ICICI Bank 11.50% to 19.25% 12 to 60 months Upto Rs. 20 lakh / Up to 2.25% of the loan amount

Other Loan Products from Indian Bank

Gold Loan Car Loan Home Loan Business Loan
TWL LAP Credit Card Education Loan

Why should you apply for Indian Bank Personal Loan with Dialabank?

  • Dialabank helps you choose the best financial products without any hassle.
  • We make it convenient for you to decide what loan you should avail in order to fulfill your needs.
  • We provide you with the lowest interest rates available for you.
  • With Dialabank, you have a trustworthy friend for your financial needs.

How to Calculate EMIs for Indian Bank Personal Loan

You can use the EMI calculator given below.

Indian Bank Personal Loan Processing Time

Indian Bank has a personal loan processing time of 48 to 72 hours. As the personal loan is unsecured, banks have to carefully verify all your documents and details.

Indian Bank Personal Loan Preclosure Charges

Indian Bank provides you with the foreclosure facility on your personal loan without any extra charges. You can pay back your personal loan when you have the required funds.

Indian Bank Calculated EMI for Personal Loan

Rate
5 Yrs
4 Yrs
3 Yrs
10.50%
2149
2560
3250
11.00%
2174
2584
3273
11.50%
2199
2608
3297
12.00%
2224
2633
3321
12.50%
2249
2658
3345
13.00%
2275
2682
3369
13.50%
2300
2707
3393
14.00%
2326
2732
3417
14.50%
2352
2757
3442
15.00%
2378
2783
3466

Types of Indian Bank Personal Loan

Indian Bank Marriage Loan

Marriages are one of the costliest events and often lead to worry. Indian Bank provides low-interest personal loans with high quantum to help you meet your wedding expenses.

Indian Bank Personal Loan for Government Employees

Central and state government employees can apply for an Indian Bank personal loan to meet their personal financial expenses. The bank has personal loan offers for all your needs.

Indian Bank Doctor Loan

Doctors and medical professionals with at least 4 years of experience can apply for a personal loan from Indian Bank and enjoy a range of offers for their personal and professional needs.

Indian Bank Personal Loan for Pensioners

Individuals with their pension accounts with the Indian Bank can apply for a personal loan to meet their post-retirement financial needs. The bank has special offers for all the pensioners.

Indian Bank Personal Loan Balance Transfer

Personal Loan Balance Transfer is the process of transferring your existing personal loan to another bank for lower interest rates and better loan terms. You can apply for an Indian Bank personal loan balance transfer to lower your financial burden.

Indian Bank Personal Loan Top Up

Indian Bank personal loan top-up is a facility that allows you to avail of additional money under the same existing personal loan without any need to apply for a fresh loan. Dialabank gives you convenient options to choose the best personal loan offers.

Indian Bank Personal Loan Status

You can check the status of your personal loan by;

  • Visiting the branch in person and asking your loan officer.
  • Contacting the customer care number of the bank.

How to apply for Indian Bank Personal Loan

To apply for Indian Bank online or offline, you need to follow different procedures for personal loan approval. Here we are listing the instructions you should follow to apply for Indian Bank Personal Loan:

  1. Visit the website of Dialabank.
  2. Besides, you can visit the Indian Bank Personal Loan on Dialabank.
  3. There, you can analyze the right choice for yourself.
  4. After choosing the loan scheme, you can fill a simple online form with your personal details.
  5. Once you submit the form, our representatives will connect with you.
  6. They will further assist you in the whole loan approval process.
  7. You can know more by calling on 9878981166.

FAQs About Indian Bank Personal Loan

✅ How to apply for Indian Bank Personal Loan?

You can apply for a personal loan with Indian Bank through visiting the nearby branch of Indian Bank or by a simple form submission with Dialabank. With Dialabank, you will get the benefit to apply from anywhere for a personal loan and get your approval faster.

✅ What is the Interest Rate for Indian Bank Personal Loan?

The interest rate charged by the Indian Bank starts at 9.99% per annum for their personal loan products.

✅ What is the minimum age for getting a Personal Loan from Indian Bank?

You must be 21 years old to apply for a personal loan with Indian Bank.

✅ What is the maximum age for getting a Personal Loan from an Indian bank?

The maximum age for getting a personal loan from Indian Bank is 60 years.

✅ What is the minimum loan amount for Indian Bank Personal Loan?

The minimum loan amount can avail for a Personal Loan from Indian Bank is up to Rs 50,000.

✅ What is the maximum loan amount for Indian Bank Personal Loan?

You can avail of a maximum loan amount of Rs. 10 lakhs under the personal loan scheme from the Indian Bank.

✅ What are the documents required for Indian Bank Personal Loan?

Aadhaar card/Voter ID, PAN card, salary slips of the last 6 months, the ITR files of the last two years, and two recently clicked photographs are required documents for a personal loan from Indian Bank.

✅ What is the Processing Fee for Indian Bank Personal Loan?

The processing fee charged by Indian Bank is up to 1% of the loan amount for the personal loan.

✅ How to get Indian Bank Personal Loan for Self Employed?

Indian Bank avails special offers for self-employed borrowers to assist them financially. You will have the ITR files of the last two years as your income proof.

✅ What is the Maximum Loan Tenure for Indian Bank Personal Loan?

The maximum loan tenure period for a personal loan from Indian Bank is 60 months.

✅ What should be the CIBIL Score for Indian Bank Personal Loan?

You must have a CIBIL score of at least 700 or above for availing a personal loan from Indian Bank.

✅ Do I have a pre-approved offer for Indian Bank Personal Loan?

You can check for your personal loan pre-approved offers from Indian Bank with Dialabank. Just fill the form at Dialabank, and we will check all the offers for you and get back to you to help you choose the best one.

✅ How to calculate EMI for Indian Bank Personal Loan?

You can use the EMI calculator available at Dialabank’s website for the calculation of your EMIs of personal loan from Indian Bank.

✅ How to pay Indian Bank Personal Loan EMI?

Your personal loan EMIs from Indian Bank are automatically take off from your bank account on a monthly basis. You can also use the net-banking services of Indian Bank for your personal loan payments.

✅ How to close Indian Bank Personal Loan?

You will pay all the outstanding personal loan amount before closing the loan and then contact the Indian Bank branch for getting your no dues certificate.

✅ How to check Indian Bank Personal Loan Status?

You will require the visit the Indian Bank branch to know the status of your personal loan. Alternatively, visit Dialabank and fill a simple form to let us do the hard work for you.

✅ How to close Indian Bank Personal Loan Online?

For the closing of a personal loan from Indian Bank involves the following steps:

  • Visit the net-banking page of the Indian Bank.
  • Login with your details.
  • Pay for your personal loan amount.
  • Save the transaction receipt.

✅ How to pay Indian Bank Personal Loan EMI Online?

Your personal loan EMI can be paid through the net-banking services of the Indian Bank. Dialabank assists you in comparing offers and deals from various banks to choose the best, to avail of a low-EMI personal loan. All you have to do is fill a simple form, and we will do the rest for you.

✅ How to check Personal Loan Balance in Indian Bank?

To check the personal loan balance in Indian Bank, you will require to contact the Indian Bank’s customer care number. If you are seeking for low-interest personal loans, you must visit Dialabank and fill a simple form for Personal Loan Balance Transfer, and we will do the hard work for you.

✅ How to download Indian Bank Personal Loan Statement?

The personal loan statement of the Indian Bank can be downloaded through the mobile banking app of the Indian Bank. You can visit the online platform of Dialabank and fill a simple form to compare and know all the offers that we have for you.

✅ How to Top Up Personal Loan in Indian Bank?

If you want a top-up on your personal loan from Indian Bank, you must visit the bank branch and contact the loan officer. You can also fill a simple form with Dialabank at Personal Loan Top Up and leave the rest to us.

✅ What happens if I don’t pay my Indian Bank Personal Loan EMIs?

Indian Bank charges a penal interest if you don’t pay your personal loan EMIs. You can apply for a balance transfer through Dialabank to get low-interest personal loans.

✅ How to find the Indian bank Personal Loan account number?

You will require to contact your Indian Bank loan branch to check your personal loan account number. Also, fill out the form available at Dialabank and let us do all the work for you.

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