HDFC Bank Personal Loan - Eligibility, EMI, Documents Required, Interest Rates
Apply for an HDFC Bank Personal Loan online and step into a world of financial freedom by securing amounts as high as ₹40 Lakhs. Whether it's a planned event or an emergency, this personal loan can help fulfil all your requirements. Enjoy a seamless online application process, ensuring quick and hassle-free access to funds for all your financial needs. The bank further allows you to repay the loan over flexible tenures ranging up to 6 years.
HDFC Bank Personal Loan interest rates and charges are as follows:
Rate of Interest |
10.50% to 24.00% (Fixed Rate) |
Processing Fees |
Up to ₹4,999 + GST |
Stamp Duty & Other Statutory Charges |
As per state laws |
Late Payment Charges |
18% p.a. on overdue amount + GST |
*Disclaimer: The aforementioned rates and charges are subject to change at the lender’s discretion.
An EMI calculator gives you accurate estimates of your borrowings. This easy-to-use online Personal Loan EMI calculator is available for free, allowing you to optimise your personal loan. So, when it comes to personal loans, including the HDFC Personal Loan, apply after you compare.
Apply for the loan online on HDFC Bank’s official website to enjoy a seamless application process
Borrow amounts as high as ₹40 Lakhs to fulfil all your financial needs
Benefit from personalised pre-approved loan offers, if you are an existing customer of the bank
With pre-approved offers, you can receive the sanctioned funds in just 10 seconds
Follow these simple steps to apply for this personal loan:
Visit HDFC Bank's official website
Select ‘Loans’ from the dropdown
Now choose 'Personal Loan' from the dropdown
Click on 'Apply Online'
Fill in some basic questions regarding your relationship with the bank
Enter your mobile number and click on continue
Enter the generated OTP
Fill in your personal and financial details
Click on ‘Check Loan Eligibility’
Available offers will be displayed on the screen that you can choose from.
Note: Submit the required documents for verification, and upon completion, the bank will reach out to you for further proceedings.
Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions.
Generally, you can borrow up to ₹40 Lakhs with this loan. Furthermore, based on your requirements, you can secure amounts of up to ₹75 Lakhs. However, this is subject to your eligibility for the loan.
Yes. Your age should be over 21 and under 60 years to be eligible for this loan.
Generally, the approval process takes up to 15 days. However, an instant loan application may be approved within 3 days.
You can use the chatbot or call the customer care number 1860-267-6161 for any queries.
You can repay your HDFC Bank Personal Loan through ECS, net banking, cheques, or the official mobile app.
Existing salary account holders in HDFC Bank can get a personal loan at lower interest rates and benefit from favourable loan terms. This is subject to whether they meet the eligibility criteria set by the bank.
Through the ‘Loans Portal’ on HDFC Bank’s official website, you can access all loan-related details in one place. Here, you can access your loan account details like EMI status, last 9 transactions, etc. anytime, anywhere.
Yes. HDFC Bank offers tailored personal loans for self-employed individuals.