IndusInd Bank (loans): verified facts and rating
Licensed since: 1994 Checked 2026-10-31
Score breakdown
98% backed by facts · How we rank
IndusInd Bank (loans) against the market
The dot is the company, the line is the median of all companies in this ranking.
Published rate, % of country reference99%110%105% · median 100%
Maximum amount, % of country reference30%200%100% · median 100%
Longest term60 mo84 mo84 mo · median 84 mo
IndusInd Bank (loans) strengths and weaknesses
Pros
- Long licence history
- Licence confirmed by the official list or a stated licence number
- Fees or full loan terms are readable without login
- Publishes how to complain
Cons
- An arrangement fee can apply
- A charge can apply to early repayment
All facts
| Fact | Value | Source | Checked |
|---|---|---|---|
| Licensed since | 1994 Our History. Established in 1994 by a platform conceived and promoted by Srichand P Hinduja (год основания) | indusind.bank.in | 2026-10-31 |
| Licensed by the regulator | Yes List of Scheduled Commercial Banks (SCBs) · Domestic Private Sector Banks · 10. IndusInd Bank Limited | rbi.org.in | 2026-10-31 |
| Published rate, % of country reference | 105% Interest Rates and Charges for Personal Loan: Starting from 10.49%* per annum · APR 10.49% · index 100 = 9.995% (median at launch) | indusind.bank.in | 2026-10-31 |
| Free early repayment | No Foreclosure Charges: Allowed post 1st EMI – 5% of Principal Outstanding + GST, post payment of 1st EMI up to 11 EMIs. 4% of Principal Outstanding + GST, after payment of 12 EMIs. | indusind.bank.in | 2026-10-31 |
| No arrangement fee | No Processing Fees Up to 3.5% of loan amount + GST | indusind.bank.in | 2026-10-31 |
| Fees or terms published | Yes SCHEDULE OF CHARGES: Processing Fees, Foreclosure Charges, Payment Dishonour Charges, Penal Charges, Loan Cancellation Charges | indusind.bank.in | 2026-10-31 |
| Complaints procedure | Yes Grievance Redressal - Complaint. Level 1: Submitting a complaint for the first time; Level 2: Escalation to Nodal Officer; Level 3: Escalation to Principal Nodal Officer | indusind.bank.in | 2026-10-31 |
| Online application for new customers | Yes Apply for IndusInd Bank Personal Loan online in just a few clicks and get the funds directly in your account | indusind.bank.in | 2026-10-31 |
| Support hours a week | Not verified | — | |
| Maximum amount, % of country reference | 100% IndusInd Bank offers maximum personal loans of up to ₹50 lakh, with repayment periods of up to 84 months. · max 5000000 INR · index 100 = 5000000 INR (median at launch) | indusind.bank.in | 2026-10-31 |
| Longest term | 84 mo Loan Tenure: 12 to 84 months (up to 48 months for online personal loan) | indusind.bank.in | 2026-10-31 |
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