✓Minimal Documentation ✓Collateral Free Loans ✓Instant Loan Disbursal | Apply for Personal Loan Now! Check Eligibility


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.

Interest Rates and Charges

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. 

HDFC Bank Personal Loan EMI Calculator

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Rate of Interest
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Your Monthly Personal Loan EMI
Principle Amount
Total Interest
Total Amount Payable
Amortization Schedule
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Year EMI Principal Interest Balance

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.

Features and Benefits

Effortless Application

Apply for the loan online on HDFC Bank’s official website to enjoy a seamless application process

High Loan Amounts

Borrow amounts as high as ₹40 Lakhs to fulfil all your financial needs

Pre-approved Offers

Benefit from personalised pre-approved loan offers, if you are an existing customer of the bank

Quick Disbursal

With pre-approved offers, you can receive the sanctioned funds in just 10 seconds

Eligibility Criteria and Documents Required

Fulfil the following criteria to be eligible for a personal loan from HDFC Bank

  • You should be either a private or a public sector employee 

  • You must fall under the age bracket of 21 to 60 years

  • You must have a minimum of 2 years of work experience. Of this, at least 1 year should be with the current employer

  • You should have a minimum monthly income of ₹25,000



In the case of pre-approved personal loans, you are not required to submit any documents. For non-pre-approved loans, make sure to keep the following documents handy:

  • KYC Documents: Any one of the following

    • Passport

    • Voter ID

    • Driving licence

    • Aadhaar card

  • Bank statements of the last 3 months

  • Salary slips of the last 2 months

  • Form 16

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How To Apply?

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. 


The information and suggestions provided by BFDL hereinabove is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort.

The information including interest rates or fees, loan amount and other charges with regard to any product, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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What is the maximum personal loan amount sanctioned by the HDFC Bank?

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.

Is there an age limit to apply for an HDFC Bank Personal Loan?

Yes. Your age should be over 21 and under 60 years to be eligible for this loan.

How much time does the approval process take?

Generally, the approval process takes up to 15 days. However, an instant loan application may be approved within 3 days.

How can I get in touch with HDFC Bank’s customer care team?

You can use the chatbot or call the customer care number 1860-267-6161 for any queries.

What modes of payment can I use to pay my EMIs?

You can repay your HDFC Bank Personal Loan through ECS, net banking, cheques, or the official mobile app.

Does having a salary account with HDFC Bank help in getting a personal loan from the bank?

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.

How can I check my HDFC Bank Personal Loan’s status?

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.

Can business owners take personal loans from HDFC Bank?

Yes. HDFC Bank offers tailored personal loans for self-employed individuals.

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