HDFC Bank Personal Loan HDFC Bank Personal Loan

HDFC Bank Personal Loan: Get instant approval within 5 minutes at lowest Interest Rates through Find best offers for Salaried, Self-employed, loan upto 15 lakh, 5 year repayment period. 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.

✓ 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.
Get gifts upto ₹ 18,490 on disbursal.

Refer to T&C -

₹ 273,923 crores worth of Personal Loan Applications received! (last updated on 23 January 2020)
Instant Apply for HDFC Bank Personal Loan @ Lowest Rates & your CIBIL score absolutely FREE.
Loan Amount
Employment Status

HDFC Personal loan details:
Interest Rates10.99% - 20.99%
Processing Fee Upto 2.5%
Foreclosure chargesNil – 4.00%
Repayment5 Years
Loan AmountAs per Eligibility
Min. Income18000 per month
Part Payment FacilityYes, available

Current interest rates on HDFC Bank Personal loans - January, 2020

Interest Rates Pre Payment
10.75% - 17.5% Upto 4.00% Upto Rs.3999/- + GST

* Applicable for Super A, CAT A , CAT B & CAT C companies only

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.
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 0%(*Valid for Logins Till 16th August)
Non–salary account holder 0%(*Valid for Logins Till 16th August)

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

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

Part Payment Facility:
  • Part-payment will be allowed subject to loan tenure of 12 EMIs being completed i.e. Post 12 EMIs
  • Part payment will be allowed maximum twice during the entire tenure of the loan
  • Part payment is allowed only once a year.
  • At any point of time, each part payment will not exceed 25% of Principal Outstanding.

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