What IndusInd 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 IndusInd Bank tends to lend (our read): Mid-market private bank. Comparable income floors to Kotak, faster on existing-customer files, thinner published policy than its peers. Lends in: Metro, Tier 2 locations.
21 to 60 years (age when the loan ends); self-employed up to 65
Minimum income
₹25,000 net per month; self-employed: ₹4,80,000 a year
Minimum credit score
730 (CIBIL or equivalent)
Employment
Salaried or self-employed
Work experience (salaried)
2 years total, 1 year with the current employer
Loan amount
₹30,000 to ₹50,00,000
Tenure
1 year to 7 years
Interest rate
10.49% to 26% p.a.
EMI-to-income limit (FOIR)
About 55% of incomeOur working estimate - lenders rarely publish this
Fees and charges
Processing up to 3.5% + GST (a limited-period 2% offer is advertised); foreclosure 5% of principal outstanding up to 11 EMIs, 4% after 12 EMIs; bounce Rs 450; penal 24% p.a. on the overdue amount or Rs 100, whichever is higher; cancellation Rs 1,000 after the 7-day cooling-off period.
Documents IndusInd Bank lists
Application form with photograph
Identity proof: driving licence, passport, voter ID, Aadhaar or PAN
KYC documents covering identity, residence and signature
Income proof: Form 16 / ITR for the last 3 years and latest 3 months' salary slips
Latest 3 months' bank statement showing salary credits
Self-employed: current account and primary savings account statements
Research notes
IndusInd's product page publishes: salaried 21 to 60 at maturity (or retirement), Rs 25,000 net monthly for online applications, 2 years' employment with 1 year at the current employer and 1 year at a rented residence; self-employed 25 to 65 with Rs 4.8 lakh annual net income and 4 (professionals) or 5 years' post-qualification experience. Loans run Rs 30,000 to Rs 50 lakh over 12 to 84 months (instant digital loans up to Rs 5 lakh over 48 months; the Mumbai page says 60 months) from 10.49%. The page says 'preferably 730' and its FAQ and Mumbai page say minimum 730, so 730 is the floor. No FOIR, income multiple, upper rate or preferred score is published: 55%, 20x, 26% and 750 are our estimates.
By ClearToLend's estimate (not a rule IndusInd Bank publishes). See the source card.
Age
24 to 60 years (age when the loan ends); self-employed up to 65
Minimum income
₹25,000 net per month; self-employed: ₹3,00,000 a year
Minimum credit score
700 (CIBIL or equivalent)
Employment
Salaried or self-employed
Work experience (salaried)
3 years total
Business vintage (self-employed)
3 years in business
Funding (LTV)
Within RBI limits: up to 75-90% of the property value, depending on the loan size
Loan amount
₹5,00,000 to ₹3,00,00,000
Tenure
3 years to 25 years
Interest rate
8% to 15% p.a.
EMI-to-income limit (FOIR)
About 50% of incomeOur working estimate - lenders rarely publish this
Fees and charges
Processing up to 1% of the loan + GST; initial deposit up to Rs 2,500; foreclosure and part-prepayment nil on floating rate; bounce Rs 750; penal 24% p.a. on the overdue EMI or Rs 100, whichever is higher; repricing up to 0.50% of principal (minimum Rs 5,000); cancellation Rs 1,000.
Documents IndusInd Bank lists
Application form with photograph
Valid identity, residence and signature proof
Latest Form 16 / ITR / appointment letter and latest 3 months' salary slips or salary certificate
Latest 6 months' bank statement of the main CA / SA / CC / OD account
Processing-fee cheque
Non-individuals: business and individual ITRs and audited financials for the last 2 years
Research notes
IndusInd's home-loan page publishes age 24 to 60 for salaried (government / reputed companies), 24 to 70 for self-employed professionals and 24 to 65 for other ITR-filing self-employed, with 3 years' experience in every segment; 65 is used for all self-employed because the engine cannot tell the two apart. The June 2026 rate sheet shows 8.00% to 15.00% floating for most cases, and the FAQ mentions funding up to 85% of property cost. No income floor, score, FOIR, amount or tenure is published, so the Rs 25,000 floor, 700 score, 50% FOIR, Rs 5 lakh to Rs 3 crore and 3 to 25 years are our estimates and the block stays inferred.
Processing 2% + GST of the disbursed amount; documentation Rs 1,000 (below Rs 10 lakh) or Rs 1,500; foreclosure 5.5% / 5% / 3.5% of principal outstanding after 1-11 / 12-23 / 24+ EMIs (nil for eligible MSE fixed-rate loans up to Rs 50 lakh); bounce Rs 500; penal 24% p.a. or Rs 100, whichever is higher; cancellation Rs 5,000.
Documents IndusInd Bank lists
Last 6 months' current-account statement (name must match the business proof)
Business proof: GST certificate, or Udyam registration / FSSAI / Shop Act licence / professional certificate of practice / import-export licence as listed by the bank
KYC: Aadhaar and PAN
Research notes
IndusInd Quick Business Loan (collateral-free, Rs 2 lakh to Rs 20 lakh): age 25 to 67, business at least 2 years old and profitable for 2+ years, CIBIL 680+, no live overdraft, and GST turnover above Rs 2 crore over the last 4 quarters only for loans above Rs 10 lakh, so no general turnover bar is applied. Active GST is required above Rs 5 lakh and for every new-to-bank proprietor, so GST is treated as required. Rates start at 15.99%; tenure, upper rate and ITR years are not published, so 12 to 48 months, the 22% cap, 2 years' ITR and the 750 preferred score are our estimates.
Salaried: latest Form 16 / ITR, last 3 months' salary slips, 3 months' bank statements
Self-employed with income proof: latest 2 years' ITR with computation, 3 months' bank statements, business proof
Self-employed without income proof: 6 months' bank statements, 3 years' business continuity proof, owned-house proof
Identity proof such as PAN and Aadhaar
Research notes
IndusInd's New Car Loan page publishes age 25-60 for every applicant type, salaried Rs 2.5 lakh a year (Rs 20,833/month = 2.5 lakh / 12) with 3 years' employment and 1 year in the current job, self-employed Rs 3 lakh a year by ITR with 3 years' business stability, plus 2 years in the city / 1 year at the residence unless the house is owned. The 600 score floor is from the FAQ (working value). Tenure follows the product page's 60 months (FAQ: 1-5 years, sometimes 7); rate is the SOC-CFD passenger-vehicle new range 8.00%-18.00% (used 10.00%-21.00%), dated 1 Apr 2024. No maximum loan or FOIR is published.
ClearToLend is not affiliated with or endorsed by IndusInd Bank. Criteria are taken from public sources as of 2 November 2026 and can change; confirm the current terms with IndusInd Bank before you apply. A match is not a loan offer or approval.
IndusInd Bank Loan FAQs
The minimum net monthly income is ₹25,000, according to IndusInd Bank's own website, as checked on 2 November 2026. Lenders can ask for more depending on your city, employer and existing EMIs.
A credit score of 730 or above, according to IndusInd Bank's own website. A higher score usually gets a better rate; the lender makes the final call after pulling your report.
You need to be at least 21 and no older than 60 when the loan ends, according to IndusInd Bank's own website.
Rates run from 10.49% to 26% a year, according to IndusInd Bank's own website. Your own rate depends on your credit score, income and employer.
The minimum net monthly income is ₹25,000, by ClearToLend's estimate (not a rule IndusInd Bank publishes), as checked on 2 November 2026. Lenders can ask for more depending on your city, employer and existing EMIs.
A credit score of 700 or above, by ClearToLend's estimate (not a rule IndusInd Bank publishes). A higher score usually gets a better rate; the lender makes the final call after pulling your report.
You need to be at least 24 and no older than 60 when the loan ends, by ClearToLend's estimate (not a rule IndusInd Bank publishes).
Rates run from 8% to 15% a year, by ClearToLend's estimate (not a rule IndusInd Bank publishes). Your own rate depends on your credit score, income and employer.
A credit score of 680 or above, according to IndusInd Bank's own website. A higher score usually gets a better rate; the lender makes the final call after pulling your report.
You need to be at least 25 and no older than 67 when the loan ends, according to IndusInd Bank's own website.
Rates run from 15.99% to 22% a year, according to IndusInd Bank's own website. Your own rate depends on your credit score, income and employer.
No. ClearToLend compares your details with IndusInd Bank's published criteria without pulling your credit report, so nothing is recorded on your CIBIL file. ClearToLend is not affiliated with IndusInd Bank and does not send your details to it.
