In 2025, Bandhan Bank has positioned itself as one of the top lenders offering affordable personal loans tailored for salaried professionals, self-employed individuals, and small-scale business owners. With EMIs starting from just ₹2,400 for a ₹1,00,000 loan, this scheme has caught the attention of borrowers seeking quick, reliable, and stress-free financing solutions.
Whether it is for medical needs, higher education, wedding expenses, or debt consolidation, Bandhan Bank’s personal loan is designed to provide financial flexibility with minimal hassle. Let us explore the features, benefits, eligibility, and process in detail.
Pocket-Friendly Monthly EMI
One of the most attractive features of this loan is the manageable EMI of ₹2,400 for a ₹1,00,000 loan. This makes the product accessible even for middle-income households and small business owners.
- Flexibility: The EMI amount depends on the chosen tenure. Longer tenure reduces monthly EMI, while shorter tenure reduces the total interest paid.
- Affordability: For a loan of ₹1 lakh, an EMI of ₹2,400 is budget-friendly and does not burden the borrower’s monthly cash flow.
- Suitability: Perfect for salaried employees, professionals, and entrepreneurs who require quick financing.
Quick Summary of Bandhan Bank Personal Loan 2025
Aspect |
Details |
|---|---|
Loan Type |
Personal Loan (Unsecured) |
Loan Amount |
Starting from ₹1,00,000 |
EMI Example |
₹2,400 per month (approx.) for ₹1,00,000 loan |
Interest Rate |
Starting at 10.25% p.a. (varies by profile) |
Tenure Options |
12 to 60 months |
Processing Time |
1–2 working days |
Application Mode |
Online (website/app) or branch visit |
Collateral Required |
No (unsecured loan) |
Official Website |
Interest Rates and Loan Tenure
Bandhan Bank offers competitive interest rates starting from 10.25% per annum. The actual rate depends on:
- Applicant’s credit score
- Income profile and repayment history
- Employment status (salaried or self-employed)
- Loan tenure selected
Tenure Options:
- Minimum: 12 months
- Maximum: 60 months
Borrowers can decide whether they prefer lower EMIs over longer periods or higher EMIs for quicker repayment to reduce total interest liability.
Hassle-Free Application and Approval
Bandhan Bank emphasizes speed and convenience:
- Online Application – Apply through the Bandhan Bank website or mobile app.
- Minimal Documentation – Submit KYC documents, proof of income, and bank statements.
- Quick Processing – Most loans are approved within 24–48 hours.
- Instant Disbursal – Funds are directly credited to the borrower’s bank account.
This streamlined process makes it easier for customers to access funds during emergencies.
Uses of Bandhan Bank Personal Loan
The loan is designed to support a wide variety of short-term financial goals without requiring collateral:
- Education – Funding tuition fees or higher studies.
- Medical Expenses – Handling sudden healthcare costs.
- Weddings – Covering marriage-related expenses.
- Travel – Financing international or domestic trips.
- Debt Consolidation – Merging multiple high-interest debts into one manageable EMI.
Eligibility Criteria
While exact eligibility varies based on income and profile, general requirements include:
- Age: 21 to 60 years (at loan maturity)
- Employment: Salaried individuals or self-employed professionals
- Income: Minimum monthly income requirement as per Bandhan Bank’s policy
- Credit Score: Preferably 750+ for best rates
- Banking Relationship: Existing Bandhan Bank customers may receive quicker approvals
Required Documents
- Identity Proof: Aadhaar Card, PAN Card, Passport, or Voter ID
- Address Proof: Utility bills, Aadhaar, or Passport
- Income Proof: Salary slips (salaried) or ITR (self-employed)
- Bank Statements: Typically last 3–6 months
- Passport-size photographs
Benefits of Bandhan Bank Personal Loan
- No Collateral Required: Unsecured loan for quick funding
- Affordable EMIs: Starting at ₹2,400 for ₹1 lakh
- Flexible Tenure: Up to 5 years
- Fast Disbursal: Loan credited within 1–2 days
- Wide Usage: Education, travel, medical, or debt consolidation
- Senior-Friendly: Suitable for middle-aged applicants planning life events or consolidating expenses
Tax Implications
- Interest paid on personal loans is not eligible for tax deduction unless the loan is used for specific purposes (e.g., home renovation or business expenses).
- If funds are used for property-related expenses, borrowers may claim deductions under Section 24(b) (housing loan interest).
FAQs on Bandhan Bank Personal Loan 2025
Q1. What is the minimum loan amount I can borrow from Bandhan Bank?
A minimum of ₹1,00,000 is offered, with higher amounts based on eligibility.
Q2. How is the EMI of ₹2,400 calculated for a ₹1,00,000 loan?
It is based on an approximate interest rate of 10.25% p.a. and longer tenure options such as 48–60 months.
Q3. Do I need to provide collateral for this loan?
No, Bandhan Bank’s personal loans are unsecured.
Q4. How quickly will the loan be disbursed?
Usually within 1–2 working days after approval.
Q5. Can I prepay or foreclose my personal loan?
Yes, prepayment and foreclosure are allowed with applicable charges.
Conclusion
The Bandhan Bank Personal Loan 2025 with ₹2,400 EMI for a ₹1,00,000 loan is a highly attractive option for borrowers seeking affordable financing without collateral. Competitive interest rates, flexible tenure, and hassle-free application processes make it one of the most accessible personal loan offers in India this year.
Whether you need funds for emergencies, education, weddings, or debt consolidation, Bandhan Bank ensures quick disbursal and minimal documentation. This makes it a go-to choice for individuals planning short-term financial goals with manageable monthly commitments.
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