Personal Loan Features

Personal Loan Features & Benefits Presenting IndusInd Bank Personal Loans. Now you don’t have to wait to fulfil your dreams. Be it renovating your home, going on your dream vacation or buying your special someone that coveted gift, count on us to make it happen. Fulfil all your financial needs with our hassle free Personal Loans, which are designed to help you live life at the fullest. 

Obtain a loan easily with simple documentation, quick processing and speedy disbursal.



Choose a loan tenure as per your convenience ranging from 1 to 5 years



Enjoy the convenience of doorstep service



Get the best in class personal loan interest rates



You need not worry about collaterals or guarantors



Get rid of your high interest debt through 'Balance Transfer Option'



Choose a convenient repayment option from, IndusInd Bank a/c debit or ECS from your other bank

Personal Loan Interest Rates & Charges Personal Loan Interest Rates – Q3 2015-16

Minimum

11.49%

Maximum

22.00%

Mean

14.35%

Personal Loan Annual Percentage Rates (APR)

Minimum

13.09%

Maximum

21.50%

* Service Tax and other Government taxes, levies etc. are over and above Fees & Charges

What is the applicable rate? Interest Rate

Up to 23% p.a.

Processing Fees

Up to 2.50% of loan amount plus tax

Prepayment Charges

Salaried: 4% of the principal outstanding after repayment of 12 EMIs. Self Employed: 4% of the principal outstanding after repayment of 6 EMIs

Payment Dishonor Charges

Rs 450/- plus tax

Duplicate Statement Charge

Rs 250/- plus taxes per event

Cheque / ECS / SI Swapping Charges

Rs 500/- plus taxes per event

Duplicate No Dues

Rs 250/- plus taxes per event

Certificate Duplicate Amortization Schedule Charge

Rs 250/- plus taxes per event

Loan Re-Booking / Rescheduling Charges

Rs 1000/- plus taxes per event

Loan Cancellation Charges

Rs 1000/- plus taxes per event

Charges for Photocopy of Agreement / Documents

Rs 250/- plus taxes per event

Penal Charge

Rs 150/- plus taxes, Per EMI delay beyond 5 days

Legal Charges

As per Actuals

Stamp Duty

As per State Laws

CIBIL Report

Rs. 50/- per instance per set + Service Tax as applicable

Credit card There are three varities of credit card 

Super Premium credit cards

Indulge credit cards IndusInd  

Bank Indulge Credit Card

The IndusInd Bank Indulge Credit Card is literally worth its weight in gold! This is the first credit card in the Indian sub-continent that comes with a pure 22k gold inlay A card that illustrates raw power



The IndusInd Bank Indulge Credit Card comes with a no pre-set spending limit! Because how do you put a limit on your imagination

Pinnacle credit cards 

A card that re-defines prestige Comes with a comprehensive range of travel, lifestyle and golf privileges tailor-made for your refined tastes

 

premium credits cards Co branded credits card



Super Premium Credit Cards The Super Premium range of credit cards by IndusInd Bank empowers individuals who inspire with the seamless credit conveniences vital for accomplishing the implausible. While the Indulge credit card, with its 22-carat gold inlay and no pre-set spending limit, redefines your prominence, the Pinnacle credit card provides specially crafted services and privileges for your indulgence. Premium Credit Cards The Premium credit cards segment by IndusInd Bank provides the Premium card holders with the finest travel, dining and lifestyle privileges. You, as a Premium card holder, also enjoy an extravagant reward point earning rate along with quicker redemption options. Indulge in a host of complimentary benefits, including the concierge facilities for customizing your card’s travel itineraries.