• Minimum interest rate (floating) - 9.16%

• Maximum interest rate (floating) - 13.33%

• Final interest rate determined as per Individual Credit Score 

Click here for Mean Interest Rate.

• Age: 

  • Minimum – 21 years 

  • Maximum – 75 years at the time of maturity or retirement age, whichever is earlier 

• Monthly disposable/surplus income will be considered  

For Salaried Individuals 

• Loan application form with fresh photograph 

• Cheque with applicable processing charges  

• Customer Relationship 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  

• Latest PF statement 

• Form 16 issued by your employer 

• Copy of ITR filed for the last three years 

• Photocopy of investments 

• Photocopy of life insurance policies 

• Bank passbook copy for all bank accounts showing entries for the last 6 months 

• 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 

• Photocopy of your credit card with last monthly statement 

• In case you do not have regular salary slip, then salary certificate on employer’s letter head duly stamped and signed 

• Visiting card 

• Copy of rent agreement if present accommodation is on rent 

For Self-Employed Individuals 

• Loan application form with fresh photograph 

• Cheque with applicable processing charges  

• Customer Relationship Form with fresh photograph 

• Photo ID proof (refer KYC document) 

• Address proof (refer KYC document) 

• Age proof (refer KYC document) 

• Copy of audited/certified accounts including schedules for the last three financial years 

• Copy of ITR filed for the last three years 

• Business note in Bandhan Bank's format along with photographs of place of business 

• Photocopy of investments 

• Photocopy of life insurance policies 

• Bank passbook copy for all bank accounts showing entries for the last 6 months 

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

  • Copy of sanction letter 

  • Updated repayment track 

  • No dues in case of closed loans 

• Photocopy of your credit card with last monthly statement 

• Rent agreement of your place of business if on rent 

• Shops and Establishment licence for your commercial entity 

• Copy of your professional degree/qualification certificate 

• Partnership deed/shareholding pattern of your entity 

• Visiting card 

• Copy of rent agreement if 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. 

• In case of Co-operative Society, copy of share certificate and allotment letter 

• Latest photographs of the property 

• Margin money paid receipts 

• NA permission from concerned authority 

• NOC to mortgage from concerned authority such as society, development authority, etc. 

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.