IndusInd Personal Loan

IndusInd Personal Loan Key Features – Jan 2021

Eligibility Criteria	Details
Age	21 – 60 (at loan maturity)
CIBIL Score	Minimum 750 or above
IndusInd Personal Loan Interest Rate	9.99% per annum
Lowest EMI per lakh	Rs. 2148
Tenure	12 to 60 months
IndusInd Personal Loan Processing Fee	1% of the Loan Amount
Prepayment Charges	NIL
Part Payment Charges	NIL
Minimum Loan Amount	Rs. 50,000
Maximum Loan Amount	Rs. 15 Lakh

Each Feature Explained in Detail Below

---

IndusInd Personal Loan Eligibility Criteria

Eligibility criteria for a personal loan:

CIBIL score Criteria	750 and Above
Age Criteria	21-60 years
Min Income Criteria	Rs 25000/month
Occupation Criteria	Salaried/Self-employed

IndusInd Personal Loan Interest Rate and Charges

Interest Rate	9.99% per annum
Processing Charges	1% of the Loan Amount
Prepayment Charges	NIL
Stamp Duty	As per state laws
Cheque Bounce Charges	As per bank terms
Penal Interest	N/A
Floating Rate of Interest	Not Applicable

IndusInd Personal Loan Documents Required

You will need the following documents when filing an application for IndusInd Personal Loan:

Form	Duly filled application form
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

IndusInd Personal Loan EMI Calculator

IndusInd Personal Loan Compared to Other Banks

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

Other Loan Products from IndusInd

Why should you apply for IndusInd Personal Loan with Dialabank?

Dialabank is India’s first helpline for financial help and our team is always ready to help you by providing the best financial product.

How to Calculate EMIs for IndusInd Personal Loan

The following information will be required to calculate your IndusInd Personal Loan EMI:

1. Amount of the Loan
2. Rate of Interest
3. Tenure

Put these values in the calculator below and find your monthly EMIs

IndusInd Personal Loan Processing Time

A personal loan from IndusInd takes about a week or two to get processed. For existing customers of IndusInd, the processing time is reduced to a measly 48-72 hours.

IndusInd Personal Loan Preclosure Charges

IndusInd provides you with the foreclosure facility on your personal loan with a charge of 0.75% to 1.75%. You can pay back your personal loan when you have the required funds.

Pre 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

---

Different Offers For IndusInd Personal Loan

IndusInd Marriage Loan

IndusInd provide you financial help by providing you marriage loan at an affordable interest rate

IndusInd Personal Loan for Government Employees

Government employees enjoy a string of benefits; easy and affordable personal loans are one of them. Government employees can apply for a personal loan to meet their personal needs at lower rates of interest.

IndusInd Doctor Loan

This loan is for medical professionals and doctors to help them meet their personal and professional needs. An amount of maximum Rs. 15 lakhs can be availed under the scheme at attractive interest rates.

IndusInd Personal Loan for Pensioners

This scheme is for all the pensioners that draw their pensions through IndusInd to help them meet their personal and medical expenses. A maximum loan of Rs. 10 lakhs is sanctioned under this scheme. The interest rate for the loan is 0.50%

IndusInd Personal Loan Balance Transfer

Personal Loan Balance Transfer is the process of transferring your existing personal loan with another bank to a new lender. Your new lender pays your previous loan and gives you a fresh loan with better interest rates and tenure.

IndusInd Personal Loan Top Up

Sometimes, after you take a personal loan, you might need additional funds to meet your expenses. In this case, you can apply for a top-up on your existing personal loan.

IndusInd Personal Loan Status

You can check the status of your personal loan with IndusInd by;

• Visiting the branch in person and asking your loan officer.
• Log on to the online portal of PNB and check your loan status using your loan reference number.

How to Apply for IndusInd Personal Loan?

Availing a personal loan is very simple; all you have to do is to:

1. Visit Dialabank and fill the application form.
2. You will get a call from us.
3. Our experts will guide you through the entire process and tell you the details of the loan.

FAQs About IndusInd Personal Loan

✅ How to apply for IndusInd Personal Loan?

You can apply for a personal loan with IndusInd either by visiting the nearby branch of IndusInd or through submitting a simple form with Dialabank. With Dialabank, you get the benefit to apply from anywhere and get quick online approval.

✅ What is the Interest Rate for IndusInd Personal Loan?

IndusInd charges an interest rate of 9.99% per annum for their personal loan products.

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

You must be at least 21 years old to apply for a personal loan with IndusInd.

✅ What is the maximum age for getting a Personal Loan from IndusInd?

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

✅ What is the minimum loan amount for IndusInd Personal Loan?

The minimum loan amount for IndusInd’s Personal Loan is Rs 50000.

✅ What is the maximum loan amount for IndusInd Personal Loan?

IndusInd lets you to take a maximum loan amount of Rs. 15 lakhs under the personal loan scheme.

✅ What are the documents required for IndusInd Personal Loan?

You will need 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 for a personal loan from IndusInd.

✅ What is the Processing Fee for IndusInd Personal Loan?

IndusInd charges a processing fee of 1% of the loan amount plus GST for the personal loan.

✅ How to get IndusInd Personal Loan for Self Employed?

IndusInd provides special offers for self-employed borrowers to meet their financial needs. You will present the ITR files of the last two years as your income proof.

✅ What is the Maximum Loan Tenure for IndusInd Personal Loan?

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

✅ What should be the CIBIL Score for IndusInd Personal Loan?

You must have a CIBIL score of at least 750 or above for availing a personal loan from IndusInd.

✅ Do I have a preapproved offer for IndusInd Personal Loan?

You can examine for your preapproved personal loan offers from IndusInd with Dialabank. All you have to do is fill the form, 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 IndusInd Personal Loan?

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

✅ How to pay IndusInd Personal Loan EMI?

Your personal loan EMIs from IndusInd is automatically take off from your bank account on a monthly basis. You can also use the net-banking facility of IndusInd for the payment of your personal loan.

✅ How to close IndusInd Personal Loan?

You must pay all the outstanding personal loan amount and then contact the IndusInd branch to collect your no dues certificate.

✅ How to check IndusInd Personal Loan Status?

You must visit the IndusInd branch in-person to check the status of your personal loan. Another, you can visit Dialabank and fill a simple form to let us do the hard work for you.

✅ How to close IndusInd Personal Loan Online?

Closing of a personal loan from IndusInd demands the following steps:

• Visit the net-banking page of IndusInd.
• Login by filling your details.
• Pay for your personal loan and save the transaction receipt.

✅ How to pay IndusInd Personal Loan EMI Online?

Your personal loan EMI can be paid through the net-banking services of IndusInd. Dialabank allows you to compare offers and deals from different banks to choose the best, to get 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 IndusInd?

For checking the personal loan balance in IndusInd, you will contact the customer care number of IndusInd. If you are seeking low-interest personal loans, you can visit Dialabank and fill a simple form for Personal Loan Balance Transfer, and we will do the hard work for you.

✅ How to download IndusInd Personal Loan Statement?

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

✅ How to Top Up Personal Loan in IndusInd Bank?

If you want a top-up on your personal loan from IndusInd, you will have to 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 IndusInd Personal Loan EMIs?

IndusInd may charge you with a penal interest if you don’t pay your personal loan EMIs. You can apply for a balance transfer using Dialabank to avail of low-interest personal loans that will not put a hole in your pocket.

✅ How to find the IndusInd Personal Loan account number?

You will need to contact your IndusInd loan branch to find your personal loan account number. You may also fill out the form available at Dialabank and let us do all the work for you.

✅ What is the IndusInd personal loan closure procedure?

Visit the bank with the complete set of documents (as mentioned above). You may be required to fill a form or write a letter requesting pre-closure of the Personal Loan account. Pay the pre-closure amount. Sign the required documents, if any. Take acknowledgment of the balance amount you have paid.

✅ What is IndusInd personal loan maximum tenure? 

The maximum tenure of the IndusInd personal loan is 60 months.

✅ What is IndusInd personal loan minimum tenure? 

The minimum tenure of the IndusInd personal loan is 12 months.

✅ What is the IndusInd personal loan customer care number?

The customer care number of IndusInd personal loan is 9878981166.

✅ What are the IndusInd Personal Loan pre-closure charges?

IndusInd gives you the option of pre-closing your loan after a period of a minimum of 12 months of taking the loan and paying 12 successful EMIs on your mortgage. However, IndusInd charges a Prepayment or Pre-closure charge. Refer to the table mentioned above.