• Minimum interest rate: 16.00%

• Maximum interest rate: 17.95%

Interest rate will be decided as per individual credit score 

View the complete and updated list of charges

Click here for Mean Interest Rate.

• Any individual having a job or business for a minimum period of 2 years

• One must have a self-occupied residential property.

For Salaried Individuals 

• Loan application form with latest photograph 

• Photo ID proof (refer KYC document) 

• Address proof (refer KYC document) 

• Age proof (refer KYC document) 

• Salary slips for last 3 months  

• Job continuity proof for minimum 2 years

• Bank passbook copy bank accounts showing Salary entries for the last 6 months  

• In case of other loans availed (active as well as closed) 

  • Copy of sanction letter

  • Updated repayment track

  • No dues in case of closed loans 

• In case you do not have regular salary slip, then salary certificate on employer’s letter head duly stamped and signed

For Self-Employed Individuals 

• Loan application form with latest photograph 

• Photo ID proof (refer KYC document) 

• Address proof (refer KYC document) 

• Age proof (refer KYC document) 

• Copy of ITR filed for the last two years (if available).with P&L, Balance Sheet and computation

• Shops and Establishment licence for your commercial entity, last 2 years.

• Copy of your professional degree/qualification certificate (if available)

• Bank passbook copy for all bank accounts showing entries for the last 6 months  

• In case of other loans availed (live as well as closed) 

  • Copy of sanction letter

  • Updated repayment track

  • No dues in case of closed loans 

• Rent agreement of your place of business if on rent

• Proof of Business continuity for 2 years.

The following additional legal and technical documents shall also have to be provided - 

• Copy of sale deed/ Title deed (ownership documents)

• Copy of ownership documents of previous owner(s), if applicable.

• Proof of ownership in revenue records 

• NA permission from concerned authority  

All documents submitted to Bandhan Bank shall have to be self-attested. Ensure that you maintain a copy of all documents submitted to Bandhan Bank.