• Minimum interest rate – 12% 
• Maximum interest rate – 14% 
• Final interest rate will be decided as per Individual Credit Score 

Click here for Mean Interest Rate.

• Existing micro banking borrowers who have completed minimum 1 cycle of loan  

For Salaried Individuals 

• Loan application form with fresh photograph 

• Photo ID proof (refer KYC document) 

• Address proof (refer KYC document) 

• Age proof (refer KYC document) 

• Salary slips for last 3 months  

• Form 16 issued by your employer 

• Copy of ITR filed for the last three years 

• Bank passbook copy for all bank accounts showing entries for at least the last 6 months including Salary Account 

• In case of other loans availed (active as well as closed) 

  • Copy of sanction letter 

  • Updated repayment track 

  • No dues in case of closed loans 

• In case of non-availability of regular salary slip, a salary certificate on the employer’s letterhead duly stamped and signed is required

• Copy of rent agreement if the present accommodation is on rent 

For Self-Employed Individuals 

• Loan application form with fresh photograph 

• Photo ID proof (refer KYC document) 

• Address proof (refer KYC document) 

• Age proof (refer KYC document) 

• Any one of the below 3 documents:  

  1. Cash Flow statement and last 1 year’s ITR/income statement/verification by local authorities such as Panchayat or Municipality 

  2. Last 2 year’s ITR with income computation of both years – in case the eligibility will be calculated based on ITR income 

  3. Self-declared income statement as per the Bank’s format – in case the monthly income of the individual, self-employed customer is less than or equal to ₹25,000  

• Bank passbook copy for all bank accounts showing entries for at least the last 6 months including Salary account 

• In case of other loans availed (active as well as closed) 

  • Copy of sanction letter 

  • Updated repayment track 

  • No dues in case of closed loans 

• Rent agreement of your place of business if on rent 

• Copy of rent agreement if the present accommodation is on rent 

The following additional legal and technical documents shall also have to be provided - 

• Approved plan for the construction with estimate and layout plan and construction permission 

• Copy of sale deed/agreement to sell/construction agreement/amenities agreement 

• Copy of ownership documents of previous owner(s) 

• Proof of ownership in revenue records viz. property card, Form 7/1 2, Form 8-A, Form 6 etc. 

• Latest photographs of the property 

• Margin money paid receipts in case of purchase of property. 

• Non-agricultural permission from concerned authority 

All documents submitted to Bandhan Bank shall have to be self-attested. Ensure that you maintain a copy of all documents submitted to Bandhan Bank.