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HDFC Bank Personal Loan

Whatever the occasion, Emergency loan, and loan for Medical needs, Marriage, Foreign Vacations, Travelling, Consumer Durables, Renovation or Need of Extra Cash - the range of HDFC Bank Personal Loans can help. HDFC bank offers Personal loan for all your requirements –

Quick personal loans-Experience express loan processing, easy documentation, quick disbursal and doorstep service

✓ Special offers, interest rates and charges for HDFC Bank account holders
✓ Flexible Interest Rates, Special interest rates for women borrowers
✓ Fastest Loan Approval within 10 Seconds
✓ Easy Documentation Process & 100% Transparency
✓ Maximum Loan upto Rs.15 Lakh
✓ Flexible Repayment options, ranging from 12 to 60 months.
✓ Zero Hidden Charges, Lowest Processing Fee & Convenient Repayment options.
✓ Loan Offering for First Time Loan Borrowers.
Festive Offer : Get gifts upto Rs 18,490 on disbursal.
Refer to T & C - www.deal4loans.com/personal-loan-offers.php

Compare HDFC Bank Personal Loan| Interest Rates | Eligibility

Loan Amount
Employment Status

Current interest rates on HDFC Bank Personal loans - December, 2015

CAT A CAT B Others Pre Payment
12.75% - 14.75%
(For Special Companies)
(for 75,000 & above salary)
(for 50,000-75,000 salary)
(for 35,000-50,000 salary)
(below 35,000 salary)
11.49% - 12.99%
(Special Rates for Loan Amount b/w 10lacs - 30lacs)
(for 75,000 & above salary)
(for 50,000-75,000 salary)
(for 35,000-50,000 salary)
(below 35,000 salary)
11.49% - 12.99%
(Special Rates for Loan Amount b/w 10lacs - 30lacs)
19.50% Nil (For Loan Amount > 10lakhs with >Salary 75k) else 4% Rs.999 - 1.75% (for Special Companies) else 2% -2.5%

Personal Loan Balance Transfer Offers

Already have a personal loan? Reduce your EMIs by transferring your existing personal loan to us and avail special offers and exclusive benefits. - Apply now

Interest rate as low as 12.99%* on the existing loan transfer
Flat processing fees of Rs. 999

You Can Also Calculate Loan EMI Manually with HDFC Personal loan EMI Calculator

Enter the following information in the below EMI calculator:
✓ Principal loan amount you wish to avail (rupees)
✓ Loan term (months or years)
✓ Rate of interest (percentage)

Calculate Loans EMI Online

Loan Amount
Interest Rate (Reducing) % Per Annum
Loan Tenure (in Months)
Monthly EMI
Total Amount with Interest
Total Interest Amount
Yearly Interest Amount

EMI Calculation Per Lac for HDFC Bank Personal Loans as per Loan Tenure Period
Loan Amount Repayment Time Interest Rate EMI Per Month
Rs.1,00,000 1 year 12.99% - 20.00% Rs.8931 - Rs.9263
Rs.1,00,000 2 year 12.99% - 20.00% Rs.4754 - Rs.5090
Rs.1,00,000 3 Year 12.99% - 20.00% Rs.3369 - Rs.3716
Rs.1,00,000 4 Year 12.99% - 20.00% Rs.2682 - Rs.3043
Rs.1,00,000 5 Year 12.99% - 20.00% Rs.2275 - Rs.2649

Now you have to just multiply your loan amount with EMI per Month
Example – You opt 4.5 Lakh Loan amount for 3 Year so your emi calculation will be 4.5 x Rs.3369 = Rs.15160.50
Eligibility Criteria for HDFC Bank Personal Loan
Age of Applicant Min-21 years ; Max-60 years.
No. of years in employment 2 years & above
Current Experience 1 year & above
Net Monthly Income Rs. 15,000/- & above (cat-A companies) Rs. 20,000/- & above (non-listed companies)

Loan Amount offered by HDFC Bank
Minimum Funding Rs. 50,000/-
Maximum Funding Rs. 15,00,000/-

Loan Tenure offered by HDFC Bank
Minimum Tenure 12 months
Maximum Tenure 60 months

Turn Around Time of HDFC Bank Personal Loan
Salary below Rs. 75,000 5 - 7 working .
Salary above Rs. 75,000 working days (48 hours)

Processing Fee of HDFC Bank Personal Loan
Salary account holder 2% of loan amount
Non–salary account holder 2.5% of loan amount

Prepayment Charges of HDFC Bank Personal Loan
Foreclosure Charges 4% of outstanding principal (Can be foreclosed after 1yr only)

Salary available for making EMI’s
Up to Rs. 25,000 p.m 35% of salary is considered
Bet Rs. 25,000 to Rs. 50,000 p.m. 40% of salary is considered
Above Rs. 50,000 p.m 45% - 50% of salary is considered
Credit Card   Yes   No

Documents Required for HDFC Bank Personal Loan
Identity Proof Passport/ driving license/PAN card/ Photo credit card (with embossed Signature and last two months statement)/ banker’s sign verification
Age Proof PAN Card/ Passport/ Driving Licence/ School leaving certificate/ Voter’s card/ BirthCertificate/ LIC policy (only for age Proof).
Address Proof Passport/ Telephone bill (BSNL/MTNL)/ Electricity bill/ Title deed of property/Rental agreement/ Driving license/ Election ID card/ Photo-credit card (with last two month statements)
Income Proof Latest salary slip/current dated salary Certificate with latest form 16
Job Continuity Proof Form 16/relieving letter/appointment Letter (for last two months)
Banking History Bank statements of latest 2 months/ 3 months bank passbook

Other Available Products of HDFC Bank:
1. HDFC Bank Personal Loan
2. HDFC Ltd Home Loan
3. HDFC Bank Car Loan
4. HDFC Bank Credit Card

Disclaimer : Please note that the interest rates and eligibility criteria given here are based on the market research. To enable the comparisons certain set of data has been reorganized / restructured / tabulated .Users are advised to recheck the same with the individual companies / organizations. This site does not take any responsibility for any sudden / uninformed changes in interest rates.

Know the Rate of interest charged by major banks for Personal Loan
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