IndusInd Bank Personal Loan Guwahati - Eligibility, Rates February 2024, EMI, IFSC

IndusInd Bank Personal Loan in Guwahati

About IndusInd Bank Personal Loan in Guwahati

The personal loan is the products by most of the banks and NBFC. It is one of the products that can be used for different purposes and the borrower does not require to produce the reason before the lender. It is a kind of the unsecured loans that does not need any type of security or collateral. IndusInd bank is one of the new generation banks which offers the personal loan at competitive rates. It gives other facilities like quick processing, fast disbursal, and simple documentation. Thus, it is one of the financial solutions to attain the personal needs and requirements.

IndusInd Bank Personal Loan Guwahati at a glance

Interest Rate10.25% - 26.00%
Loan AmountMinimum of ₹50,000 Up to maximum of ₹ 15 lakh
TenureUp to 5 years
Processing fee2.50% of the loan amount subject to a minimum of ₹ 1000 plus tax
Pre- payment chargesSalaried: 4% of the principal outstanding after repayment of 12 EMIs.
Self Employed: 4% of the principal outstanding after repayment of 6 EMIs

Apply Personal Loan @ 10.75%* Rate

Eligibility Criteria

  • The age of the applicant should be between 21 – 60  years ( for the salaried individual) and 25-65 (for the self- employed professional or businessman)
  • The minimum net salary should not be less than 25,000 per month  for the salaried Individual
  • For the self- employed businessmen or professionals the minimum annual net income should be ₹ 4.8 lakh for last 2 years.
  • The salaried individual should have the minimum experience of 2 years in the job and at least 1 year at the current organization.
  • For the self-employed professionals, the minimum work experience should be at least 4 years and at least 5 years of work experience post qualification for the self- employed businessman.
  • For the salaried individuals- You should at least have 1-year stay at the current residence.

Documents Required

  • Loan Application with passport size photographs.
  • Proof of Identity: Passport copy, PAN Card, Voters Id card, driving license( Laminated, Recent, Legible).
  • Proof of Address: Ration card/Driving license/Voters card/passport copy/telephone bill/ electricity bill/Life insurance policy.
  • Income Proof: Latest 3 months Salary Certificate and Form No.16 ( for the salaried individual).

ITR/ITAO along with computation of income, B/S, P&L account with all scheduled certificate by the CA for last 2 years ( For the self- employed).

  • Bank statement: For salaried individuals:  Last 3 months bank statement (where salary is credited).  

For the self- employed: latest 6 months bank statement/ passbook (current account).

  • For the self- employed: Proof of Qualification, Proof of continuity of business or profession.

To get further details, click Personal loan Guwahati.

Address of IndusInd Bank Branches in Guwahati

Branch NameAddressIFSC CodeMICR Contact Details
GuwahatiG. S. Road, Bhangagarh, Guwahati 781 005INDB00000 387812340020361 2452864 / 65 / 68 2452867
Zoo Road GuwahatiUpper Ground Floor And 1st Floor Hotel Parnil Palace, Zoo Road Tiniali Guwahati 781024 AssamINDB00006037812340032200012
Beltola GuwahatiGround Floor 60 Basistha Road Beltola Guwahati 781 028 AssamINDB00006627812340042220212

  • Personal Loan Interest Rates February 2024
    HDFC Bank10.75% - 14.50%
    ICICI Bank10.75% - 19.00%
    IndusInd Bank10.25% - 26.00%
    Kotak Bank10.99%
    RBL14.00% - 23.00%
    SMFG India Credit12.00% - 24.00%
    Standard Chartered Bank11.49%
    Tata Capital10.50% - 24.00%