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Personal Loan
A wedding in the family. May be your house needs renovation or your daughter has obtained admission to a medical college. Gift your wife a beautiful gold pendant, pay for your children's higher education or send your parents on a much-needed holiday. We offer various kinds of Personal Loans to fulfill your dreams in India.Personal loan Banks Offerings > HDFC Bank Personal Loan
Personal Loan from HDFC BANK
Salaried Individuals
| Eligibility Criteria | Loan Amount | Documents Required |
| Age Limit: 21 years-60years |  HDFC Bank gives up to Rs 10 lakh as personal loan |
Proof of Identity (Passport Copy/ Voters ID card/ Driving Licence) |
| Minimum 2 years in employment and minimum 1 year in the current organization | Address Proof (Ration card Tel/Elect. Bill/ Rental agr. / Passport copy/Trade licence /Est./Sales Tax certificate) | |
| Minimum Net Monthly Income: Rs. 7,000 p.m (Rs. 6,000 in select cities) | Bank Statements (latest 3 months bank statement / 6 months bank passbook) | |
| Latest salary slip or current dated salary certificate with latest Form 16 |
Self Employed Individuals
| Eligibility Criteria | Loan Amount | Documents Required |
21-25years |
HDFC Bank gives up to Rs 10 lakh as personal loan |
Proof of Identity (Passport Copy/ Voters ID card/ Driving Licence) |
| Address Proof (Ration card Tel/elect. Bill/ Rental agr. / Passport copy/Trade licence /Est./Sales Tax certificate) | ||
| Bank Statements(latest 6 months bank statement /passbook) | ||
| Latest ITR along with computation of income, B/S & P&L a/c for the last 2 yrs. certified by a CA | ||
| Years in business: 5 yrs continuous business experience | Proof of continuation (Trade licence /Establishment /Sales Tax certificate) | |
| Minimum Annual Income: Rs. 1,00,000 p.a. | Other Mandatory Documents(Sole Prop. Decl. Or Cert. Copy of Partnership Deed,Cert. Copy of MOA, AOA & Board resolution.) |
Fees & Charges for HDFC Bank Personal Loan
| Description of Charges | Personal Loans |
| Loan Processing Charges | Upto a maximum 2% of the loan amount |
| Pre-payment charges | Upto 4% of the Principal Outstanding |
| Charges for late payment of EMI | @ 24 % p.a on amount outstanding from date of default |
| Cheque swapping charges | Upto Rs 500/- per event |
| Loan cancellation / re-booking charges / Re-scheduling | Upto Rs 1000/- |
| Bounce Cheque Charges | Upto Rs 450/- per Bouncing |
| Statement Charges (per statement)/ Repayment Schedule | Upto Rs 500/- |
HDFC Bank Ltd.-
Head Office
3RD FLOOR, HDFC BANK HOUSE,
C.S. NO. 6/242, S.B. MARG, LOWER PAREL (W),
MUMBAI 400013
INDIA
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