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About HDFC Bank Personal Loan

HDFC is one of the leading banks operating in India that has a wide audience base. The immaculate customer service and the amazing loans offered by the bank has made it one of the most preferred financial institutions for availing loans, especially personal loans.

Features of HDFC Bank Personal loan

  • The loan deals are offered at a highly competitive interest rate

  • If you are an HDFC bank account holder, you would get loans at a special interest rates. Besides, the account holders also enjoy the benefit of exclusive offers.

  • You can determine your personal loan eligibility in less than 1 minute by checking online

  • If you are a working woman, HDFC offers a special offer on personal loans

  • The most noted feature of HDFC personal loan offer is the Walk-in Loan, which implies that you can simply walk-in to any of the HDFC bank branches across India with your documents and get your loan approved in one day.

  • Another feature that deserve special mention is the high-quality customer-care service. You can reach the HDFC customer care service 24x7 through web chat, phone or SMS and the executive will be more than happy to help you get answers to all your queries.

Benefits of availing Personal Loan from HDFC

  • One of the major hassles every loan applicant faces is the complicated documentation process but with HDFC, you can be assured of not facing any such issues. The minimal and simply documentation process ensures that you get your loan sanctioned easily and quickly.

  • Once the loan application is sanctioned, the amount is disbursed in 2 days

  • The interest rate applicable on the loan is extremely competitive

  • The loan approval and disbursement of the amount process is completely transparent so you can be sure that there are no hidden charges involved.

  • You can get personal loan to get funds for all your personal needs.

HDFC Bank Personal Loan EMI Calculator

Calculating EMI on your loan amount is easy with the help of our Personal Loan EMI Calculator. You need to fill in the details of loan amount in rupees, interest rate and loan term in years. The EMI calculator tool would give you the exact amount of EMI to be paid.

HDFC Bank Personal Loan Eligibility Criteria

  • You must be at least 21 years old and not older than 60 years

  • You must be working for two years at least and must be employed with the current organization for 1 one year minimum

  • Your earning per month should be minimum Rs. 15,000

Documents required for HDFC Personal Loan

  • You must submit your proof of identity and proof of residence

  • Bank statement for last 3 months

  • Form 16 and the salary slip for last 3 months.

HDFC Personal Loan Interest rate & charges applicable

The interest rate varies from 15.75% to 20% depending on your financial credentials. The bank also charges a loan processing fee which is about 2.50% of the loan amount you are applying for. If you are willing to pre-pay the loan, you would have to pay 4% of the principal amount you have availed as pre-payment charges.

What is the eligibility to apply for HDFC Bank Personal Loan?

Your age should be between 21 and 60. You should be Salaried or self-employed with regular income. Minimum income required is Rs.12, 000 per month.

What is the interest rate and processing fees?

Interest rate is around 12.50% to 19.50% and the processing fees are 2.50% depending upon your loan amount.

What is the tenure for which I can avail a Personal loan with HDFC Bank?

HDFC Bank offers a tenure period of 12 to 60 months for salaried individuals and 12 to 36 months for self-employed individuals and working professionals. The bank can however expand the tenure up to 60 months for self-employed people in some cases.

What are the limits of the loan amount?

HDFC Bank offers personal loans from as low as Rs.75, 000 to as high as Rs.25 lakhs. The amount of loan disbursed depends on multiple criteria such as credit history, age, other credits etc.

What are the income proof documents I have to submit while applying for the loan?

You need to provide latest salary slip or recent salary certificate with Form 16 and bank statements of the past 3 months or 6 months passbook entries. Apart from these, you also need to submit an identity proof and address proof from the list of accepted documents.