सार्वजनिक क्षेत्र का बैंक (PSU Bank)वेतनभोगी कर्मचारी (Salaried)स्वीकृति गति: 24 to 48 hours.सत्यापित: 2026-09-28 (180-दिवसीय SLA)

इंडियन बैंक आईबी पर्सनल लोन

Indian Bank personal loan for confirmed salaried employees up to ₹15 Lakhs.

ऋण राशि सीमा₹50,000 to ₹15,00,000 (up to 20x Gross Monthly Salary)

ब्याज दर (APR)11.35% - 14.65% p.a. (floating RBLR-linked)

पुनर्भुगतान अवधि12 to 60 months

प्रोसेसिंग शुल्क1.00% of loan amount + GST (Min ₹1,000, Max ₹10,000 + GST)

💳उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)

उत्पाद का संक्षिप्त विवरण

Indian Bank's flagship unsecured personal credit product for confirmed employees of Central and State Governments, Public Sector Undertakings, and reputed corporate firms.

प्रमुख लाभ एवं विशेषताएं

• High loan quantum up to ₹15 Lakhs without any third-party guarantor • Transparent public-sector pricing tied to RBI Repo-linked rate • Zero prepayment penalties when closed from own personal funds • Attractive interest concessions for corporate salary package account holders.

📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)

पात्रता की शर्तें एवं आय आवश्यकताएं

Confirmed permanent employees of Govt, PSUs, and Reputed Corporates with salary account in Indian Bank. Min Age: 21, Max Age: 58. Min Net Monthly Salary: ₹15,000. Min CIBIL: 700.

प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment & Foreclosure)

NIL prepayment penalty if pre-closed from own verified personal funds; 2% for takeover.

📂आवश्यक दस्तावेज (Required Documents)

• Identity & Address: PAN Card, Aadhaar Card • Employment Proof: Employee ID Card, confirmation letter • Financial Proof: Last 3 months payslips, latest Form 16 • Banking: Last 6 months bank statement showing salary credits.

⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Hidden Costs)

• Employer check-off agreement or standing instruction mandate required. • Minimum 1 year confirmed service in current organization. • Broken period interest charged from disbursement date to first EMI cycle.

🚀आवेदन के चरण (How to Apply)

1. मौजूदा बैंक ग्राहक:

1. Log into IndOASIS Mobile App > Loans > IB Personal Loan. Select amount and e-sign.

2. नए ग्राहक (ऑनलाइन):

1. Visit indianbank.in > Personal Loans. Submit online application and upload payslips.

3. बैंक शाखा में जाकर:

1. Visit home Indian Bank branch. Submit Application Form with 3 months payslips, Form 16, and bank statements.

आधिकारिक बैंक पोर्टल पर जाएं आधिकारिक KFS दस्तावेज देखें↗

❓अक्सर पूछे जाने वाले प्रश्न (FAQs)

What is the maximum loan limit?

Up to ₹15 Lakhs or 20 times gross monthly salary, whichever is lower.

Can private sector employees apply?

Yes, confirmed employees of reputed private companies with at least 2 years service vintage are eligible.

Are there prepayment charges?

No prepayment charges apply if pre-closed from borrower's own funds.