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HDFC Bank Personal Loan

Whatever the reason might be, medical emergency, marriage, foreign vacation, travelling, purchase of consumer durable, renovation, buying property, or need of extra cash - HDFC Bank Personal Loans can help you any time anywhere.

HDFC bank known for its lowest interest rates, lowest EMI quick personal loans disbursals, quick turn around time, easy documentation 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

HDFC Personal loan details:
Interest Rates11.49 - 19.50%
Processing Fee2 - 2.50%
Forclosure chargesNil – 4.00%
Repayment5 Years
Loan Amount15 Lakh
Min. Income18000 pm

Current interest rates on HDFC Bank Personal loans - May, 2016

CAT A CAT B Others Pre Payment
Charges
Processing
Fees
12.75% - 14.75%
(For Special Companies)
15.65%
(For 75,000 & above salary)
15.75%
(For 50,000-75,000 salary)
15.75%
(For 35,000-50,000 salary)
17.85%
(below 35,000 salary)
11.49% - 12.99%
(Special Rates for Loan Amount b/w 10lacs - 30lacs)
15.65%
(For 75,000 & above salary)
15.75%
(For 50,000-75,000 salary)
15.75%
(For 35,000-50,000 salary)
17.85%
(Below 35,000 salary)
11.49% - 12.99%
(Special Rates for Loan Amount b/w 10lacs - 30lacs)
19.50% Nil (For Loan Amount > 10 lakhs with >Salary 75k) else 4% Rs.999 - 1.75% (For Special Companies) else 2% -2.5%
 

Personal Loan Balance Transfer Offers

You can reduce your EMIs by transferring existing personal loan to HDFC bank.


Interest rate for balance transfer schemes starts from as low as 12.99%*.
Lowest processing fees of just Rs.999/- is applicable.

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 Lakh 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 Years 12.99% - 20.00% Rs.4754 - Rs.5090
Rs.1,00,000 3 Years 12.99% - 20.00% Rs.3369 - Rs.3716
Rs.1,00,000 4 Years 12.99% - 20.00% Rs.2682 - Rs.3043
Rs.1,00,000 5 Years 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 years 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
Upto 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
 
+91
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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