IndusInd Bank personal loan interest rate and EMI calculator
IndusInd Bank's personal loan starts at 10.49% with a processing fee of up to 3.5% and foreclosure charges of 4% to 5% of the outstanding principal.
- From 10.49% a year
- ₹30,000 to ₹50 lakh
- 1 year to 7 years
We don't arrange IndusInd Bank loans. These figures are from IndusInd Bank's own pages, for comparison; apply on IndusInd Bank's own website or branch.
Rates and charges
- Interest rate
- From 10.49% a year
- Other published rates
- IndusInd publishes only a starting rate of 10.49% a year (seen 21 Oct 2026). Your rate depends on your credit profile, income and repayment capacity, and no upper limit is published.
- Processing fee
- Up to 3.5% of the loan + GST. For a limited period the fee is 2% on applications started and completed on the bank's own online loan channel (not for pre-approved offers).
- Loan amount
- ₹30,000 to ₹50 lakh
- Tenure
- 1 year to 7 years
- Closing early
- Allowed after the first EMI. 5% of the outstanding principal + GST if you close after 1 to 11 EMIs, and 4% + GST after 12 EMIs. In the first 7 days after disbursal you can exit by repaying the principal and interest for those days, but the processing fee is not refunded.
- Part-prepayment
- Not published
- Who can apply
- Salaried and Self-employed
- Minimum income
- ₹25,000 a month
- Age
- Salaried: 21 to 60 at the end of the loan (or retirement, if earlier). Self-employed: 25 to 65 at the end of the loan
IndusInd Bank personal loan EMI calculator
Prefilled with IndusInd Bank's lowest published rate and its highest published processing fee (3.5%). Change any number to match your offer.
Your loan
- Monthly EMI
- ₹16,249
- Total interest
- ₹84,959
- Processing fee + 18% GST
- ₹20,650
- Total cost of the loan
- ₹1,05,609
- Effective annual cost
- 13.42%
- Money in hand
- ₹4,79,350
- You pay back in 3 yr
- ₹6,05,609
Total cost = interest + processing fee + GST. Effective annual cost is the yearly rate you really pay on the money in hand, the way lenders work out the APR in a Key Fact Statement.
Same loan, different tenures
| Tenure | EMI | Total interest | Total cost (incl. fee + GST) | Effective annual cost |
|---|---|---|---|---|
| 12 months | ₹44,072 | ₹28,864 | ₹49,514 | 18.55% |
| 24 months | ₹23,186 | ₹56,457 | ₹77,107 | 14.75% |
| 36 months (yours) | ₹16,249 | ₹84,959 | ₹1,05,609 | 13.42% |
| 48 months | ₹12,799 | ₹1,14,365 | ₹1,35,015 | 12.75% |
| 60 months | ₹10,744 | ₹1,44,668 | ₹1,65,318 | 12.34% |
A longer tenure lowers the EMI but raises the total interest. A fixed fee costs more per year on a short loan.
Lenders you can apply to through us
The lowest published starting rates among the lenders we compare. We may earn a commission from these.
- IDFC FIRST BankFrom 9.99% a year · ₹50,000 to ₹15 lakhApply nowVia our referral partner. We may earn a commission.
- Poonawalla FincorpFrom 9.99% a year · ₹1 lakh to ₹50 lakhApply nowVia our referral partner. We may earn a commission.
- InCred10% to 36% a year · ₹50,000 to ₹15 lakhApply nowVia our referral partner. We may earn a commission.
- KreditBee12% to 27.5% a year · ₹3,000 to ₹10 lakhApply nowVia our referral partner. We may earn a commission.
Not sure which lender will approve you? See offers matched to your profile
Check your loan offersVia our referral partner. It uses your PAN, credit score and income to suggest lenders likely to approve you. Approval isn't guaranteed. We may earn a commission. CreditParakh is not a bank or lender and doesn't guarantee approval. Approval is at the bank's or lender's discretion.
Questions people ask
What is the IndusInd Bank personal loan interest rate?
IndusInd Bank publishes from 10.49% a year. IndusInd publishes only a starting rate of 10.49% a year (seen 21 Oct 2026). Your rate depends on your credit profile, income and repayment capacity, and no upper limit is published. The rate you're offered depends on your credit score, income and employer.
What is the EMI on a ₹5 lakh IndusInd Bank personal loan?
At IndusInd Bank's lowest published rate of 10.49%, about ₹16,249 a month over 36 months. Use the calculator above for your own amount and tenure.
What is IndusInd Bank's personal loan processing fee?
Up to 3.5% of the loan + GST. For a limited period the fee is 2% on applications started and completed on the bank's own online loan channel (not for pre-approved offers). GST at 18% is added to the fee.
Can I close a IndusInd Bank personal loan early?
Closing early: Allowed after the first EMI. 5% of the outstanding principal + GST if you close after 1 to 11 EMIs, and 4% + GST after 12 EMIs. In the first 7 days after disbursal you can exit by repaying the principal and interest for those days, but the processing fee is not refunded.
Can I apply for a IndusInd Bank personal loan through CreditParakh?
No. We don't arrange IndusInd Bank loans; apply on IndusInd Bank's own website, app or branch. If you'd like offers from several lenders at once, our partner's matching page suggests lenders based on your profile.
Related
- True Cost of a Personal Loan: Fees and APRWhat a personal loan really costs: flat vs reducing rate, processing fee and GST, APR in the Key Fact Statement, foreclosure and penal charges.
- Big banks' personal loan ratesSBI, HDFC, ICICI and others side by side
- Processing fees and foreclosure chargesEvery lender's charges in rupees
Last verified 21 Oct 2026 on each issuer's official page. Rates and fees change; check the lender's terms before you apply.
Source (IndusInd Bank's own page, not linked because we don't arrange its loans): https://www.indusind.bank.in/in/en/personal/loans/personal-loan-interest-rate.html. CreditParakh is not a bank or lender and doesn't guarantee approval. Approval is at the bank's or lender's discretion.