What Bank of India asks for on personal, home 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.
One free check compares your profile with Bank of India and the other 39 lenders we track. It does not touch your credit score.
How Bank of India tends to lend (our read): Cautious unsecured lender (Rs 5 lakh unsecured cap, 10x net take-home) with a competitive, long-runway home loan to age 70. Lends in: Metro, Tier 2, Tier 3 / other locations.
Bank of India Personal Loan Eligibility
Market-reported
As reported by loan-comparison sites (not confirmed on Bank of India's own website). See the source card.
Age
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
Loan amount
₹10,000 to ₹5,00,000
Tenure
1 year to 3 years
Interest rate
10.85% to 12.85% p.a.
Documents Bank of India lists
KYC
Salary slips / income proof
Bank statements
Research notes
Bank of India's site is behind a Cloudflare bot check that blocked every fetch on this pass, so Star Personal Loan is aggregator-corroborated (BankBazaar): unsecured up to Rs 5 lakh at 10 times monthly net take-home within 36 EMIs (secured variant Rs 10 lakh, 20 times gross, 60 EMIs), minimum age 18, rates 10.85% secured / MCLR+5.50% unsecured; open to professionals, salaried employees, pensioners and HNIs. The 21-60 window and income floor are standard assumptions.
As reported by loan-comparison sites (not confirmed on Bank of India's own website). See the source card.
Age
18 to 70 years (age when the loan ends)
Minimum income
₹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
₹1,00,000 to ₹30,00,00,000
Tenure
1 year to 30 years
Interest rate
7.1% to 9.5% p.a.
Documents Bank of India lists
KYC
Income proof
Property documents
Research notes
Star Home Loan, aggregator-corroborated (BankBazaar): minimum age 18, repayment before 70, tenure up to 30 years, rates from 7.10% with a 0.5% concession for women, loans up to Rs 3 crore in selected cities (higher elsewhere). Income floor, score and LTV not published - RBI bands and nominal floors assumed.
ClearToLend is not affiliated with or endorsed by Bank of India. Criteria are taken from public sources as of 2 November 2026 and can change; confirm the current terms with Bank of India before you apply. A match is not a loan offer or approval.
Bank of India Loan FAQs
The minimum net monthly income is ₹15,000, as reported by loan-comparison sites (not confirmed on Bank of India'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, as reported by loan-comparison sites (not confirmed on Bank of India's own website).
Rates run from 10.85% to 12.85% a year, as reported by loan-comparison sites (not confirmed on Bank of India's own website). Your own rate depends on your credit score, income and employer.
The minimum net monthly income is ₹10,000, as reported by loan-comparison sites (not confirmed on Bank of India'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 18 and no older than 70 when the loan ends, as reported by loan-comparison sites (not confirmed on Bank of India's own website).
Rates run from 7.1% to 9.5% a year, as reported by loan-comparison sites (not confirmed on Bank of India's own website). Your own rate depends on your credit score, income and employer.
No. ClearToLend compares your details with Bank of India's published criteria without pulling your credit report, so nothing is recorded on your CIBIL file. ClearToLend is not affiliated with Bank of India and does not send your details to it.
