What Bandhan Bank asks for on personal, home, business, vehicle loans - age, income, credit score, amounts, rates and documents - read from its own pages and labelled by how sure we are. Last verified 2 November 2026.
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How Bandhan Bank tends to lend (our read): Relationship-led private bank - a Bandhan account is not mandatory for the personal loan, but the salary or business account must show regular activity; the home loan is built for informal-income borrowers as much as salaried ones, and the Aspiring Business Loan publishes a full grid. Lends in: Metro, Tier 2, Tier 3 / other locations.
21 to 60 years (age when the loan ends); self-employed up to 65
Minimum income
₹15,000 net per month; self-employed: ₹1,80,000 a year
Credit score
750+ preferredOur working estimate - the lender does not publish a floor
Employment
Salaried or self-employed
Work experience (salaried)
6 months with the current employer
Loan amount
₹50,000 to ₹25,00,000
Tenure
1 year to 5 years
Interest rate
8.86% to 16% p.a.
Documents Bandhan Bank lists
KYC (passport / driving licence / Aadhaar / voter ID / NREGA card / NPR letter) and a photograph
Salaried: last 3 months' salary slips and 3 months' salary-account statement
Self-employed: ITR with computation and last 12 months' main business account statement
Research notes
Bandhan Personal Loan: Rs 50,000 to Rs 25 lakh, up to 60 months, salaried 21 to 60 (or retirement) at maturity, self-employed professionals and non-professionals 23 to 65. A Bandhan account is not mandatory, but the brochure wants at least one customer-induced transaction a month in the salary or main business account. Rates from 9.50% for tenures up to 3 years and 8.86% beyond (effective 1 Sep 2026); processing up to 3%; part-payment of up to 25% once a year after 12 EMIs; fixed-rate foreclosure 4% in year one then 2.5%, nil after 12 EMIs on loans of Rs 10 lakh+. Income floor and score are not published - nominal floor used; the 6-month employer tenure is aggregator-reported (BankBazaar), not on the product page. The rate ceiling is not published either.
₹10,000 net per month; self-employed: ₹1,20,000 a year
Credit score
750+ preferredOur working estimate - the lender does not publish a floor
Employment
Salaried or self-employed
Business vintage (self-employed)
2 years in business
Funding (LTV)
Within RBI limits: up to 75-90% of the property value, depending on the loan size
Loan amount
₹3,00,000 to ₹5,00,00,000
Tenure
1 year to 30 years
Interest rate
8.55% to 13.52% p.a.
Documents Bandhan Bank lists
Application / customer relationship form with photograph, photo ID, address and age proof
Salaried: last 3 months' salary slips, latest PF statement, Form 16, ITR for 3 years, 6 months' bank statements
Self-employed (Su-Awas): cash-flow statement with 1 year ITR, or 2 years' ITR with computation, or a self-declared income statement where income is Rs 25,000 or less a month
Existing-loan sanction letters and repayment track, rent agreement if renting
Property documents
Research notes
Bandhan Home Loan: minimum age 21, loan to close by 75 or retirement (whichever is earlier), tenure up to 30 years, funding up to 90% of property cost. Variants: Suraksha (formal income proof - salary slips with PF, 2+ years of ITR), Suvidha (no formal income proof, assessed on cash flow), Su-Awas / Su-Awas Saral / Suniwas (pakka or semi-pakka houses, construction up to 10 years, renovation 5 years, fixed rate), Sajavat (renovation, up to 15 years, 80% of repair cost) and a PMAY 2.0 loan (EWS/LIG/MIG households, max loan Rs 25 lakh on a house up to Rs 35 lakh, 4% subsidy on the first Rs 8 lakh for 12 years). Floating rate 8.55% to 13.52% over RLLR (5.25% from 1 Jan 2026). Income floor and amount cap not published - nominal values used; the educational article's 700+ score is a general benchmark, not a Bandhan floor.
750+ preferredOur working estimate - the lender does not publish a floor
Business vintage
2 years or more
Annual turnover
₹10,00,000 or more
Filed ITR
1 year
Loan amount
₹3,00,000 to ₹1,00,00,000
Tenure
1 year to 5 years
Interest rate
13% to 25.91% p.a.
Documents Bandhan Bank lists
Business KYC and proprietor / partner / director KYC
Business vintage and validity proof (trade licence or equivalent)
Income proof, financial statements, ITR and GST returns
Residence ownership and stability proof
Research notes
Bandhan Aspiring Business Loan: self-employed professionals and non-professionals aged 23 to 65 at maturity with at least 2 years of business vintage; above Rs 3 lakh up to Rs 1 crore (an older brochure said Rs 25 lakh - the current page governs), working-capital, term or composite, up to 5 years; unsecured 13.00% to 25.91% (secured 11.69% to 15.18%); processing up to 2%. Turnover and score are not published - nominal Rs 10 lakh turnover and 750 preferred; documents scale with the loan amount.
By ClearToLend's estimate (not a rule Bandhan Bank publishes). See the source card.
Age
21 to - years
Employment
Salaried or self-employed
Vehicles financed
New car, used car, two wheeler
Funding (LTV)
up to 90% of the price (new car); up to 100% of the price (two wheeler)
Loan amount
₹1,00,000 to ₹1,50,00,000
Tenure
1 year to 7 years
Interest rate
8.86% to 11.86% p.a.
Documents Bandhan Bank lists
Identity proof and address proof
Pro forma invoice of the vehicle
Income documents
Statement of the operative bank account
Research notes
Bandhan's car-loan page publishes minimum age 21 for salaried and self-employed applicants but no maximum age, income floor or score, so the block is inferred. New car: Rs 1 lakh to Rs 1.5 crore (the research file's YAML says 15 crore, a typo against its own table), up to 84 months, up to 90% on-road, from 8.86% over 3 years (9.50% up to 3 years); the 11.86% top is our estimate (start + 3 points) and the 12-month minimum tenure is our estimate. Pre-owned car: Rs 1 lakh to Rs 75 lakh, 60 months, from 8.86%. Two-wheeler: age 21 (18 with a co-applicant), 60 salaried / 65 self-employed at maturity, up to on-road price (FAQ 95%), FAQ Rs 5,000 to Rs 5 lakh over 6-48 months.
ClearToLend is not affiliated with or endorsed by Bandhan Bank. Criteria are taken from public sources as of 2 November 2026 and can change; confirm the current terms with Bandhan Bank before you apply. A match is not a loan offer or approval.
Bandhan Bank Loan FAQs
The minimum net monthly income is ₹15,000, according to Bandhan Bank's own website, as checked on 2 November 2026. Lenders can ask for more depending on your city, employer and existing EMIs.
You need to be at least 21 and no older than 60 when the loan ends, according to Bandhan Bank's own website.
Rates run from 8.86% to 16% a year, according to Bandhan Bank's own website. Your own rate depends on your credit score, income and employer.
The minimum net monthly income is ₹10,000, according to Bandhan Bank's own website, as checked on 2 November 2026. Lenders can ask for more depending on your city, employer and existing EMIs.
You need to be at least 21 and no older than 75 when the loan ends, according to Bandhan Bank's own website.
Rates run from 8.55% to 13.52% a year, according to Bandhan Bank's own website. Your own rate depends on your credit score, income and employer.
You need to be at least 23 and no older than 65 when the loan ends, according to Bandhan Bank's own website.
Rates run from 13% to 25.91% a year, according to Bandhan Bank's own website. Your own rate depends on your credit score, income and employer.
Rates run from 8.86% to 11.86% a year, by ClearToLend's estimate (not a rule Bandhan Bank publishes). Your own rate depends on your credit score, income and employer.
No. ClearToLend compares your details with Bandhan Bank's published criteria without pulling your credit report, so nothing is recorded on your CIBIL file. ClearToLend is not affiliated with Bandhan Bank and does not send your details to it.
