
Here are a few factors
Location | DELHI - NCR |
CIBIL Score | 700+ |
Minimum Salary Per Month | 20000/-Per Month ( Listed Company ) |
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 | 0.75% - 2% |
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 |
Employer Business Vintage | 5 Year |
FOIR | 60% of Salary |
Whether Co-Applicant Mandatory | No |
USP | Lowest Rate of Interest with Higher Tenure |
Negative Profile | 1. Employee whose Salary receive in Cash, UPI & IMPS 3. NGO Employee, 4th Grade Employee, Defence Employee, Police, Mall Employee, SPA & Saloon, Gym Employee, Bar Tender, Taxi Driver |
HDFC Bank Personal Loan EMI Calculator
Interest Type
Loan Amount
Interest Rate
Loan Tenure
Loan Amount | ₹100,000 |
Interest % | 10 % |
Tenure (months) | 12 |
Emi (monthly) | ₹ 8,792 |
Total Interest | ₹ 5,499 |
Loan Amount + Interest | ₹ 105,499 |
Year | Total Principal ( A ) | Total Interest ( B ) | Balance ( A + B) | Total Payment | Loan Paid Till Date (%) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
₹ 24,076 | ₹ 2,300 | ₹ 26,376 | ₹ 75,924 | 24.08 % | |||||||||||||||||||||||||||||||||||||||||||||||||||||||
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₹ 75,929 | ₹ 3,199 | ₹ 79,128 | ₹ 0 | 100.01 % | |||||||||||||||||||||||||||||||||||||||||||||||||||||||
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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.
The minimum ROI of an HDFC Personal Loan is 10.5% per annum
The minimum ROI of an HDFC Personal Loan is 16% per annum
The highest loan amount you can avail with HDFC Personal Loan is Rs. 1 Crore
The minimum loan amount you can avail of with HDFC Personal Loan is Rs. 10 Lacs.
The processing fee for HDFC’s Personal loan is between 0.75% to 2% of your loan amount.
The minimum repayment tenure of HDFC's Personal Loan is 12 months.
The maximum repayment tenure of HDFC's Personal loan is 72 months
Yes, you can apply for an HDFC Personal Loan anywhere from India as it holds a PAN India access
The minimum required salary to apply for an HDFC Personal Loan is Rs. 25,000 Monthly.
To apply for HDFC Personal Loan your Minimum CIBIL score must be 700+
No, to apply for HDFC Personal Loan your Minimum CIBIL score must be 700
Yes, to apply for HDFC Personal Loan your Minimum CIBIL score must be 700+
You can go to the official website of HDFC or you can also switch to ReferLoan for an easy and smooth loan application process.
Yes, HDFC Bank accepts minus CIBIL scores for Personal loans.
The minimum required age to apply for an HDFC Personal Loan is 22
The maximum required age to apply for an HDFC Personal Loan is 60
No, HDFC doesn’t offer funding to the Proprietorship Firm Employees.
No, HDFC doesn’t offer funding to the Partnership Firm Employees.
If you are planning to apply for an HDFC Personal Loan, your minimum employment period must be 2 months.
The minimum vintage of the applicant’s employer must be 5 years to apply for an HDFC Personal Loan
No, it is not mandatory to provide a Co-applicant to apply for HDFC Personal Loan
Yes, HDFC does fund NRIs for Personal Loans.
No, employees of D grade occupation are considered as a negative profile in HDFC’s Personal Loan.
No, Jews are considered as a negative profile in HDFC’s Personal Loan.
Yes, Partial Payment is allowed after 12 months of loan disbursal.
The foreclosure interest on HDFC's Personal loan is 4% after 1 year, 3% after 2 years, 2% after 3 years, and 1 % after 4 years.
No, police officers are not eligible to apply for an HDFC Personal Loan.
No, MCD employees are not applicable to apply for the HDFC Personal Loan
Yes, You can apply for an HDFC Personal Loan if you receive your salary through NEFT
Yes, You can apply for an HDFC Personal Loan if you receive your salary through RTGS
Yes, You can apply for an HDFC Personal Loan if you receive your salary through Company Transfer.
No, you can’t apply for an HDFC Personal Loan if you are receiving our salary in cash.
No, you can’t apply for an HDFC Personal Loan if you are receiving our salary through UPI.
HDFC takes 7 days for the disbursement of a personal loan
HDFC takes 2 days for the confirmation of a personal loan
Yes, you can apply for HDFC Personal Loan online
The customer care number of HDFC is 1800 202 6161 / 1860 267 6161
The pre-payment charges for salaried applicants are 4% of the outstanding principal amount for 13 to 24 months. 5% of the outstanding principal amount for 25 to 36 months.
No, an HDFC Personal Loan requires a Cibil score of 700. In exceptional cases, you can get a personal loan with HDFC but with high-interest rates.
No, Unlisted Company Employees can’t apply for HDFC Personal Loan