Bindu Bhatt was born on 18 September 1954 in Jodhpur, Rajasthan to Giradharlal and Kamalabahen. Her family later moved to Limbadi and then Ahmedabad. She completed her schooling from B.A. Kanya Vidyalay, Limbadi. She earned her Bachelor of Arts in 1976 from H.K. Arts College, Ahmedabad and her Master of Arts in 1978 from School of Language, Gujarat University with Hindi literature as one of her subjects. She obtained her Ph.D. degree from the same university in 1983 under the guidance of Bholabhai Patel for her research work on "Aadhunik Hindi Upanyas: Kathya Aur Shilp Ke Naye Aayam" (Modern Hindi Novel: New Facets of Fiction and Form). In 1991, she married Harshad Trivedi, a Gujarati author and poet.