HDFC Bank offers unsecured personal loans for medical expenses, weddings, travel, home renovation, education, debt consolidation and other personal requirements. Customers can apply for an HDFC Bank Personal Loan ranging from ₹25,000 to ₹50 lakh. The currently published fixed interest rate ranges from 9.99% to 24.00% per annum. Since it is an unsecured loan, borrowers do not need to pledge property, gold or another asset as security.
To qualify, a salaried applicant generally needs to be between 21 and 60 years old, earn a net monthly income of at least ₹25,000 and have a stable employment history. Meeting these basic conditions does not guarantee approval. HDFC Bank also considers the applicant's credit score, repayment history, employer profile, existing EMIs and overall repayment capacity.
| Particular | Details |
| Loan amount | ₹25,000 to ₹50 lakh |
| Interest rate | 9.99% to 24.00% p.a. |
| Type of rate | Fixed interest rate |
| Repayment tenure | Up to 7 years, depending on the offer |
| Minimum net monthly income | ₹25,000 |
| Applicant's age | 21 to 60 years |
| Total work experience | Minimum 2 years |
| Current employer experience | Minimum 1 year |
| Processing fee | Up to ₹6,500 plus GST |
| Collateral | Not required |
| Pre-approved disbursal | Eligible customers may receive funds in 10 seconds |
Rates, charges and eligibility conditions were checked on 5 September 2026 and may change. Final approval, rate, loan amount and tenure are decided by HDFC Bank.
Applicants should meet the following basic eligibility conditions before applying for an HDFC Bank Personal Loan.
The standard HDFC Bank Personal Loan is primarily available to salaried employees working with eligible private limited companies, public sector undertakings and central, state or local government bodies. Self-employed applicants can explore HDFC Bank's business loan or other applicable lending products.
The applicant should be between 21 and 60 years old. The available repayment tenure may also depend on the applicant's age at the time of application and the bank's applicable repayment conditions.
The minimum net monthly income required for an HDFC Bank Personal Loan is ₹25,000. This is only the minimum entry condition. An income of ₹25,000 does not automatically guarantee approval. The eligible loan amount will also depend on existing EMIs, credit card dues, employment stability and regular household expenses.
The applicant should have:
A stable employment record can improve the strength of the application. Frequent job changes or a recent change of employer may affect eligibility.
HDFC Bank's eligibility information refers to a minimum credit score of 720 and states that a score above 720 is ideal for a personal loan. A higher credit score, timely repayment history and lower credit utilisation can help improve the possibility of approval and better loan terms. However, a good score alone does not guarantee approval.
| Eligibility factor | Basic requirement |
| Applicant type | Salaried employee |
| Eligible employers | Selected private companies, PSUs and government bodies |
| Age | 21–60 years |
| Minimum net salary | ₹25,000 per month |
| Total employment | Minimum 2 years |
| Current employer | Minimum 1 year |
| Credit score | Minimum score of 720 referred to by HDFC Bank |
| Security | No collateral required |
HDFC Bank does not publish one fixed salary multiplier that guarantees a particular loan amount. The bank may evaluate the following factors:
An applicant earning a high salary may still receive a lower loan amount if a substantial part of the monthly income is already committed to EMIs. Similarly, an applicant with limited existing debt and a strong repayment record may have better eligibility.
Applicants can take the following steps before submitting the loan application:
HDFC Bank currently publishes fixed personal loan interest rates ranging from 9.99% to 24.00% per annum for salaried applicants. Interest is charged on the reducing outstanding loan balance. The rate offered to a customer may depend on:
Applicants should compare the interest rate as well as the Annual Percentage Rate or APR. The APR provides a broader picture of borrowing costs because it includes the interest rate and applicable charges.
| Charge | Applicable amount |
| Interest rate | 9.99%–24.00% p.a. |
| Processing fee | Up to ₹6,500 plus GST |
| Stamp duty | As per applicable state law |
| Payment return charge | ₹450 per instance |
| Repayment mode change | ₹500 |
| Physical repayment schedule | ₹50 per schedule |
| Online repayment schedule | Free |
| Rebooking charge | ₹1,000 plus applicable taxes |
| Legal or incidental charges | At actuals |
Government taxes and other statutory levies may be charged in addition to the fees mentioned above. Customers should read the sanction letter, Key Fact Statement and loan agreement before accepting an offer.
The EMI depends on the loan amount, interest rate and repayment tenure. The following examples are calculated at an illustrative interest rate of 9.99% per annum for five years.
| Loan amount | Approximate EMI | Approximate total repayment |
| ₹1 lakh | ₹2,124 | ₹1,27,453 |
| ₹5 lakh | ₹10,621 | ₹6,37,264 |
| ₹10 lakh | ₹21,242 | ₹12,74,527 |
These figures are only estimates. The actual EMI will depend on the rate, amount, tenure, disbursal date and other terms offered by HDFC Bank.
EMI = P × R × (1 + R)^N ÷ [(1 + R)^N – 1]
Where:
Use the Deal4Loans EMI Calculator to compare different amounts, rates and repayment periods.
The documentation requirement depends on the applicant's profile and whether the customer has a pre-approved offer.
Eligible, KYC-compliant HDFC Bank customers with a pre-approved personal loan offer may complete the journey without submitting physical documents. HDFC Bank states that eligible pre-approved customers may receive the loan amount in 10 seconds.
The application process is digital, but HDFC Bank may ask for income, employment or KYC verification. Applicants should keep the following information ready:
The exact documentation may vary according to the customer's profile and the application journey.
Eligible pre-approved HDFC Bank customers may receive funds in 10 seconds. Other applications may take longer because of documentation and verification. Approval and disbursal remain at the sole discretion of HDFC Bank.
HDFC Bank permits customers to close their personal loan before the end of the agreed tenure, subject to applicable terms.
| EMIs paid | Full foreclosure charge |
| Up to 24 EMIs | 4% of principal outstanding |
| More than 24 and up to 36 EMIs | 3% of principal outstanding |
| More than 36 EMIs | 2% of principal outstanding |
These charges apply after the cooling-off or look-up period. Applicable taxes may be charged additionally.
Part-payment is allowed after the first EMI has been paid. The applicable part-payment charges are:
Customers can part-pay up to 25% of the principal outstanding. Part-payment is currently permitted once in a financial year and twice during the entire loan tenure. Premium or Golden Edge customers may receive different foreclosure benefits. Customers should check the specific loan offer and agreement.
An HDFC Bank Personal Loan can be considered for:
Borrowers should compare the total repayment and not consider only the EMI. A longer tenure can reduce the monthly EMI but increase the total interest paid.
HDFC Bank currently requires a minimum net monthly income of ₹25,000. Meeting this condition does not guarantee approval or a particular loan amount.
HDFC Bank's current eligibility information refers to a minimum credit score of 720. A score above 720 is considered preferable, but the bank also examines income, current obligations and repayment history.
The current published interest rate ranges from 9.99% to 24.00% per annum on a fixed-rate basis. The actual rate depends on the applicant's credit and financial profile.
HDFC Bank currently advertises standard personal loans ranging from ₹25,000 to ₹50 lakh. The sanctioned amount depends on the applicant's eligibility and repayment capacity.
HDFC Bank's current personal loan calculator provides tenure options of up to seven years. The repayment period available to an individual customer may be shorter.
The standard HDFC Bank Personal Loan eligibility page is primarily for salaried employees. Self-employed applicants can explore HDFC Bank's business loan and other applicable products.
Eligible KYC-compliant HDFC Bank customers with a pre-approved offer may complete the process without submitting documents. Other applicants may need to complete KYC, income and employment verification.
HDFC Bank currently charges a processing fee of up to ₹6,500 plus GST. Stamp duty and other statutory charges may also apply.
No. An HDFC Bank Personal Loan is unsecured and does not require property, gold or another asset as collateral.
Yes. Standard foreclosure charges are 4%, 3% or 2% of the principal outstanding, depending on the number of EMIs already paid.
HDFC Bank states that a joint personal loan application may be made if the spouse is salaried. Final eligibility remains subject to the bank's assessment.
Deal4Loans is an independent loan comparison platform and is not HDFC Bank. The information on this page was verified against HDFC Bank's official website on 5 September 2026 and may change. Interest rate, loan amount, tenure, approval and disbursal are decided by HDFC Bank after evaluating the applicant's profile. Customers should read the lender's Key Fact Statement and loan agreement before accepting an offer.