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HDFC Bank Personal Loan
HDFC Bank offers personal loans at 10.25% per annum for tenures of up to 6 years. These loans are available for loan amounts of up to Rs 40 lakh, and the customer can choose from a range of tenures depending on his or her needs.Powered By
HDFC Bank Personal Loan
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Here are a few factors
| Location | DELHI - NCR |
| CIBIL Score | 700+ |
| Minimum Salary Per Month | 25000/-Per
Month (Company Listed with HDFC Bank) 35000-CAT B & CAT C Company Other-40000 |
| Salary Mode | NEFT,RTGS & COMPANY TRANSFER |
| Applicant Age | 22 Year to 60 Year |
| Loan Amount & Tenure | 1 Lac to 1 Cr (12 Month to 72 Month) |
| Rate of Interest (Type) | 10.25% to 16% (Reducing) |
| Processing Fees | 0.5% - 1.5% |
| Processing Mode & TAT | Processing: Online TAT: 2 Day to 7 Days |
| Foreclosure Charges | AFTER 1 Y-4%//2 Y-3%//3 Y- 2%//4 Y- 1% |
| Part Payment Allowed | Yes 1% to Outstanding Amount After 12 Month |
| OD Product | No |
| BT+TopUp | Yes |
| Minimum Job Experience | 2 month |
| Current Employer Business Vintage | 5 Year |
| FOIR | 60% of Salary |
| Whether Co-Applicant Mandatory | NO |
| No of Enquiry Allowed | No |
| USP | Lowest Rate of Interest with Higher Tenure |
| Negative Profile | 1.
Employee whose Salary receive in Cash, UPI & IMPS 2. NGO Employee, 4th Grade Employee, Defence Employee, Police, Mall Employee, SPA & Saloon, Gym Employee, Bar Tender, Taxi Driver 3. Employee working in Proprietorship Firm & Partnership Firm |
Required Documents to Apply for HDFC Bank Personal Loan
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KYC of Applicant (Adhar Card+Pan Card+Passport Size Photo)
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Last 3 month Salary Slip
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Last 6 month Bank Statement in PDF
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Form 16 of last 2 year
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Rent Agreement if rented or Utility Bill if residence is owned
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Sanction Letter of all current running loan if any
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Office ID Card or Official EMAIL ID if any
About HDFC Bank Personal Loan
The customer service and minimal interest rates of HDFC Bank are highly regarded. And if you're concerned about the EMIs, HDFC is here to provide affordable EMIs, making it simple to pay for all of this and additional expenses with an HDFC Personal Loan. Yes, you may save more thanks to the competitive interest rates, which also make the process of getting a personal loan straightforward.
Hdfc Bank Customer Care
HDFC Bank customers can call the following toll free number to get all queries answered or resolve all grievances:
Start with HDFC Bank Personal Loan in few steps
Visit Our Website
For the first step, you will have to visit our website to explore the loan options that fit your needs.
Select and Apply
Once you shortlist the loan you have been looking for, apply for it, and proceed with the further process.
Submit Your Document
One of the most important steps. Now you will have to submit all the required documents digitally.
Enjoy Your Financial Freedom!
Once your application is approved based on your eligibility, the amount will be disbursed to your account shortly.
Let us take an example, How EMI is being calculated
For instance, if "Shubham" applies for a Personal loan of INR 1 Lacs and get the loan sanctioned at the rate of 15 % with a tenure range of 36 Months , in such a case his EMI would be INR 3,467 and complete repayment amount till the end of 36 Months tenure would be INR 1,24,795 (i.e 3,467 EMI * 36 Months), wherein the total interest amount is INR 24,795 along with principal repayment of INR ₹1,24,795 . Few additional charges like those of minimal one-time processing fee upto 2-3% of loan amount may apply. T & C apply.| Year | Principal (A) |
Interest (B) |
Total Payment (A + B) |
Balance | Loan Paid To Date |
|---|---|---|---|---|---|
| 2022 | ₹ 11,363 | ₹ 5,969 | ₹ 17,333 | ₹ 88,637 | 11.36% |
| Aug | ₹ 2,217 | ₹ 1,250 | ₹ 3,467 | ₹ 97,783 | 2.22% |
| Sep | ₹ 2,244 | ₹ 1,222 | ₹ 3,467 | ₹ 95,539 | 4.46% |
| Oct | ₹ 2,272 | ₹ 1,194 | ₹ 3,467 | ₹ 93,267 | 6.73% |
| Nov | ₹ 2,301 | ₹ 1,166 | ₹ 3,467 | ₹ 90,966 | 9.03% |
| Dec | ₹ 2,329 | ₹ 1,137 | ₹ 3,467 | ₹ 88,637 | 11.36% |
| 2023 | ₹ 30,332 | ₹ 11,266 | ₹ 41,598 | ₹ 58,305 | 41.70% |
| Jan | ₹ 2,359 | ₹ 1,108 | ₹ 3,467 | ₹ 86,278 | 13.72% |
| Feb | ₹ 2,388 | ₹ 1,078 | ₹ 3,467 | ₹ 83,890 | 16.11% |
| Mar | ₹ 2,418 | ₹ 1,049 | ₹ 3,467 | ₹ 81,472 | 18.53% |
| Apr | ₹ 2,448 | ₹ 1,018 | ₹ 3,467 | ₹ 79,024 | 20.98% |
| May | ₹ 2,479 | ₹ 988 | ₹ 3,467 | ₹ 76,545 | 23.45% |
| Jun | ₹ 2,510 | ₹ 957 | ₹ 3,467 | ₹ 74,036 | 25.96% |
| Jul | ₹ 2,541 | ₹ 925 | ₹ 3,467 | ₹ 71,495 | 28.51% |
| Aug | ₹ 2,573 | ₹ 894 | ₹ 3,467 | ₹ 68,922 | 31.08% |
| Sep | ₹ 2,605 | ₹ 862 | ₹ 3,467 | ₹ 66,317 | 33.68% |
| Oct | ₹ 2,638 | ₹ 829 | ₹ 3,467 | ₹ 63,679 | 36.32% |
| Nov | ₹ 2,671 | ₹ 796 | ₹ 3,467 | ₹ 61,009 | 38.99% |
| Dec | ₹ 2,704 | ₹ 763 | ₹ 3,467 | ₹ 58,305 | 41.70% |
| 2024 | ₹ 35,208 | ₹ 6,390 | ₹ 41,598 | ₹ 23,097 | 76.90% |
| Jan | ₹ 2,738 | ₹ 729 | ₹ 3,467 | ₹ 55,567 | 44.43% |
| Feb | ₹ 2,772 | ₹ 695 | ₹ 3,467 | ₹ 52,795 | 47.20% |
| Mar | ₹ 2,807 | ₹ 660 | ₹ 3,467 | ₹ 49,988 | 50.01% |
| Apr | ₹ 2,842 | ₹ 625 | ₹ 3,467 | ₹ 47,147 | 52.85% |
| May | ₹ 2,877 | ₹ 589 | ₹ 3,467 | ₹ 44,270 | 55.73% |
| Jun | ₹ 2,913 | ₹ 553 | ₹ 3,467 | ₹ 41,356 | 58.64% |
| Jul | ₹ 2,950 | ₹ 517 | ₹ 3,467 | ₹ 38,407 | 61.59% |
| Aug | ₹ 2,986 | ₹ 480 | ₹ 3,467 | ₹ 35,420 | 64.58% |
| Sep | ₹ 3,024 | ₹ 443 | ₹ 3,467 | ₹ 32,397 | 67.60% |
| Oct | ₹ 3,062 | ₹ 405 | ₹ 3,467 | ₹ 29,335 | 70.67% |
| Nov | ₹ 3,100 | ₹ 367 | ₹ 3,467 | ₹ 26,235 | 73.76% |
| Dec | ₹ 3,139 | ₹ 328 | ₹ 3,467 | ₹ 23,097 | 76.90% |
| 2025 | ₹ 23,097 | ₹ 1,169 | ₹ 24,266 | ₹ 0 | 100.00% |
| Jan | ₹ 3,178 | ₹ 289 | ₹ 3,467 | ₹ 19,919 | 80.08% |
| Feb | ₹ 3,218 | ₹ 249 | ₹ 3,467 | ₹ 16,701 | 83.30% |
| Mar | ₹ 3,258 | ₹ 209 | ₹ 3,467 | ₹ 13,443 | 86.56% |
| Apr | ₹ 3,298 | ₹ 168 | ₹ 3,467 | ₹ 10,145 | 89.86% |
| May | ₹ 3,340 | ₹ 127 | ₹ 3,467 | ₹ 6,805 | 93.19% |
| Jun | ₹ 3,381 | ₹ 85 | ₹ 3,467 | ₹ 3,424 | 96.58% |
| Jul | ₹ 3,424 | ₹ 43 | ₹ 3,467 | ₹ 0 | 100.00% |
FREQUENTLY ASKED QUESTIONS
HDFC, the leading bank in India, is providing hassle-free and quick personal loans worth 1,00,00,000. You can apply for the loan through their website or visit the nearest HDFC branch.
If you have been planning to get a personal loan from HDFC, you can borrow in the range of 1,00,000 to 1,00,00,000.
No, you won’t need to provide any security or guarantor for availing of the HDFC Bank Personal Loan.
HDFC Bank offers flexible repayment options ranging from 12 to 72 months, depending on the customer’s profile.
After the approval of your HDFC Bank personal loan application, it will take seven days for the amount to get disbursed.
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