Personal Loan Features & Benefits

Presenting IndusInd Bank Personal Loans. Now you dont 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 cards travel itineraries.