Table of Contents
About IndusInd Bank Personal Loan in Patna
The personal loan is one of the loan product that does not need any reasons as it can be availed for a number of reasons. The loan is the type of the unsecured loan which means that there is no collateral or security against the loan. IndusInd bank is one of the new generation banks that provides the different type of products and services. In the city of Patna, there are many branches of the bank. It has spread its network widely. The IndusInd bank personal loan for the people of Patna is one of the best financial solutions that can help the people to fulfill the dreams.
IndusInd Bank Personal Loan Patna at a glance
|Interest Rate||11.00% Onwards|
|Loan Amount||Minimum of ₹50,000 Up to maximum of ₹ 15 lakh|
|Tenure||Up to 5 years|
|Processing fee||2.50% of the loan amount subject to a minimum of ₹ 1000 plus tax|
|Pre- payment charges||Salaried: 4% of the principal outstanding after repayment of 12 EMIs. |
Self Employed: 4% of the principal outstanding after repayment of 6 EMIs
- 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.
- 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 Patna.
Address of IndusInd Bank Branches in Patna
|Branch Name||Address||IFSC Code||MICR||Contact Details|
|Patna||Showroom No. Sr02, Rajendra Ram Plaza, Exhibition Road, Patna||INDB0000055||800234002||0612 2206140, 2202542, 2202938 2207583|
|Boring Road Patna (ii)||Ground Floor, Vishwas Amawan House, Jamuna Apartments Complex (front Block), Boring Road, Patna- 800 013. Bihar||INDB0000393||800234004||0612-2570235, 2570236, 2570240, 2572241|
|Kankarbagh, Patna||Ground Floor- Ds-20, Gayatri Mandir Road, Kankarbagh Colony, Patna- 800 020, Bihar||INDB0000516||800234007||0612-2356651/2/3/4|
|Rajendra Nagar, Patna||Ground Floor, Plot No 158, Block-a, Arya Kumar Road, Rajendra Nagar, Patna- 800 016, Bihar||INDB0000531||800234006||0612-2665601 - 04|
|Khazanchi Road- Patna||Ground Floor, Paras Bhawan, Khazanchi Road, Ward No 9, Po: Bankipur, Patna- 800 004, Bihar||INDB0000552||800234009||0612-2300551 - 54|
|Ashiana Nagar- Patna||Ground Floor, #10, Abhinav Apartments, Main Ashiana Digha Road, Near Passport Office, Ashiana Nagar, Patna- 800 014, Bihar||INDB0000534||800234008||0612-2580015; 0612-2580050; 0612-2580071; 0612-2580080(FAX)|
|Anishabad- Patna||Ground Floor, Radhika Complex, Ballambi Chowk More, Khagaul Road, Anisabad, Patna- 800 002, Bihar||INDB0000555||800234010||0612-2250231 / 2250232 / 2250234 / 2250235|
|Patna City||Plot No.764 And 765, Mohalla Kucha Ganesh Chowk, Ashok Raj Path, Patna City 800008||INDB0000590||800234011||2640084|
|Saguna More Patna||Ground Floor Plot No 115 Surya Bp Commercial Centre Danapur Saguna More Patna 801503 Bihar||INDB0000928||800234012||222335|