Check Bandhan Loan details – personal loan, business loan, microfinance loan & education loan options. Know interest rates, eligibility, required documents & how to apply online for Bandhan Bank loans in 2025.
Introduction
Bandhan Bank apne microfinance services ke liye mashhoor hai, lekin aaj ke time me ye personal loan, business loan, home loan aur education loan bhi provide karta hai. Agar aap chhota business chalate ho, apne ghar ke liye loan lena chahte ho ya urgent personal need ke liye paisa chahiye, to Bandhan Loan ek trusted option ho sakta hai.
Is blog me hum detail me samjhenge:
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Bandhan Loan ke types
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Interest rates & features
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Eligibility criteria
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Documents required
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Loan apply process step by step
🏦 Types of Bandhan Loans
1. Bandhan Micro Loan
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Mainly women borrowers ke liye group lending model
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Loan amount: ₹10,000 – ₹1,50,000
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Purpose: Small business, household needs
2. Bandhan Personal Loan
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Loan amount: ₹50,000 – ₹5 lakh
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Tenure: 12–60 months
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No collateral required
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Quick processing
3. Bandhan Business Loan
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For SMEs & small traders
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Loan amount: ₹2 lakh – ₹50 lakh
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Collateral may be required depending on loan size
4. Bandhan Education Loan
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For higher education in India & abroad
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Loan amount: Up to ₹20 lakh
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Repayment starts after course completion
5. Bandhan Home Loan
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For purchase/construction of house
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Loan amount: Up to ₹1 crore (based on profile)
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Subsidy available under PMAY
📉 Bandhan Loan Interest Rates 2025
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Micro Loan: 12% – 20% p.a.
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Personal Loan: 12.90% – 15.90% p.a.
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Business Loan: 13% – 18% p.a.
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Education Loan: 10.50% onwards
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Home Loan: 8.50% onwards
👉 Exact interest rate borrower ki profile, CIBIL score aur loan amount par depend karta hai.
👨👩👧 Eligibility Criteria for Bandhan Loan
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Applicant age: 21 – 60 years
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Indian resident
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Regular income source (salaried, self-employed, business owner)
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CIBIL score: 700+ preferred
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For micro loan: Women borrowers (group of 5–10)
📑 Documents Required
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Aadhaar Card & PAN Card
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Address Proof (Voter ID, Passport, Utility Bill)
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Income Proof (Salary slip/ITR/Bank statement)
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Business proof (for traders/SMEs)
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Education admission letter (for student loans)
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Property papers (for home loan)
📝 How to Apply for Bandhan Loan?
Online Application
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Visit official website: Bandhan Bank
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Select loan type (personal, business, microfinance etc.)
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Fill application form with details
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Upload required documents
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Loan approved after verification
Offline Process
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Visit nearest Bandhan Bank branch
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Submit filled application form with documents
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Verification & sanctioning within 7–10 days
⚡ Features & Benefits of Bandhan Loan
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Wide range of loan products (personal, business, education, housing)
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Quick approval & minimal paperwork
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Competitive interest rates
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Special focus on women empowerment through micro loans
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Loans available in both urban & rural areas
📊 Example – EMI Calculation (Bandhan Personal Loan)
Loan Amount: ₹2 lakh
Tenure: 3 years
Interest Rate: 13%
👉 EMI approx = ₹6,740 per month
(Aap official Bandhan Bank EMI Calculator use karke accurate calculation kar sakte ho.)
🙋 FAQs – Bandhan Loan
Q1. Bandhan Personal Loan ka maximum amount kitna hai?
👉 Up to ₹5 lakh.
Q2. Bandhan Loan ke liye minimum CIBIL score kitna chahiye?
👉 Preferably 700+, lekin micro loan ke liye CIBIL mandatory nahi hota.
Q3. Kya Bandhan Bank home loan provide karta hai?
👉 Haan, Bandhan Bank home loan deta hai with PMAY subsidy benefits.
Q4. Microfinance loan ke liye kaun apply kar sakta hai?
👉 Women borrowers in groups (5–10 members).
Q5. Loan disbursal me kitna time lagta hai?
👉 Personal loan & micro loan: 2–5 days.
👉 Business & home loan: 7–15 days.
🏁 Conclusion
Bandhan Loan har type ke borrower ke liye ek reliable option hai – chahe aapko personal emergency ke liye paisa chahiye, apna business expand karna ho ya higher education ke liye funding chahiye. Competitive interest rates aur quick processing ke saath Bandhan Bank ne apna ek trusted image banaya hai.
👉 Apply online at Bandhan Bank Official Website or visit your nearest branch today.
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