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HDFC Bank Personal Loan

HDFC Bank is one of the most popular banks in India, known for its professional banking services. HDFC Bank is a market leader in personal loans as it offers a great feature & benefits to personal loan applicants. It could be used for a medical emergency, for home renovation,  for family wedding expenses, for starting a new business, credit card bill payment or any other debt consolidation. HDFC Personal Loan is an Unsecured Loan, means you do not need to provide any assets (residential/commercial property) as security to avail the loan. HDFC Bank Personal Loan is one of the most accessible ways to satisfy your Immediate Financial Requirements.  HDFC Personal Loans in Delhi-NCR are great when it comes to dealing with personal finance requirements. Use Personal Loan EMI Calculator to calculate monthly EMIs on the basis of Loan Amount, Interest Rate & Tenure.

HDFC Bank, which was incorporated in 1994, is the Largest Private bank in India by assets. 

  • HDFC Bank promises quick, competitive, transparent and fully customizable Personal Loans.
  • Funds Utilisation - a medical emergency, or an urgent housing renovation, a foreign holiday, a family wedding or any other such thing.
  • Online Disbursement of Loans in 10 sec
  • Lowest interest rates with instant approval & disbursal.
  • Check your eligibility criteria, documents required & EMI calculation for HDFC Personal Loan.

Personal Loan for Salaried Individuals employed  with an

  1. Indian/ MNC private sector company
  2. Government sector enterprises/ semi-government sector enterprises/Indian Defence Services.
  3. Individuals working with public or private sector educational institutes or banks & financial institutions


General Information

Loan Amount: Rs. 1 Lac to 40 Lacs
Rate of Interest (APR)*: 10.25% to 22.50%
Repayment Tenor: 12 Months to 60 Months
Processing Fees: 0.75% to 2.50% + GST as applicable
Prepayment/ Foreclosure: Nil (After 12 months) or 1% - 4% (Before 12 months)

Illustration: Rs. 1 Lac Loan on @10.25 with processing fees for 60 Months comes to Rs. 1,28,222/- Equated Monthly Instalment shall be: Rs. 2137/- only.

APR* - Annual Percentage Rate

  Salaried Self Employed Professional
Age 23 To 60 25 to 65 25 to 65
Loan Amount 1 - 75 Lacs 1 - 40 Lacs 1 - 40 Lacs
Tenure  12 To 60 Months 12 To 36 Months 12 To 48 Months
Rate of Interest / APR [Annual Percentage Rate] 10.25% To 13% 14 - 16% 12.5 -15%
Features Part Payment & Foreclosure Facilities Part Payment & Foreclosure Facilities Part Payment & Foreclosure Facilities
Processing Fees Rs. 2359/- To Rs.4759/- of Loan Amount + GST 2% of the Loan Amount + GST 2% of the Loan Amount + GST
Special Eligibility 30 times of Salary / Nil Charges on Pre-closure after 12 months Un audited Financial Considered. Doctors/ CA/ Engineer, ICWA
Documentation KYC's [PAN, Aadhaar, Residence Proof]; Financials [Salary Slips & Banking- Last 3 months] 3 Yrs. Audited Financial/ KYC's Financial + KYC's + Professional certificate
  • Rs. 25000/- p.m 
  • Total work experience minimum 1 year.
  • Turnover above 50 Lacs p.a
  • Residence / Office self owned in Delhi NCR


  • Gross Receipts above 20 Lacs p.a
  • Residence / Office self owned in Delhi NCR

The following people are eligible to Apply for HDFC Bank Personal Loan:

HDFC Personal Loan Eligibility Criteria

  • Salaried Doctors, CAs, salaried employees of MNC, Private Ltd., Public sector undertakings, including central, state and local bodies
  • Salaried Individuals between 23 and 60 years of age
  • Salaried Individuals who have had a job for at least 2 years, with a minimum of 1 year with the current employer.
  • Those who earn a minimum of Rs. 25,000 net income per month.
Particulars Salaried Self Employed Professional
Age(Min-Max) 23 - 60 26 -65 24-65
Minimum Income Rs. 25000/- ITR Income Above 3 Lacs Gross Receipts Above 10 Lacs
Co-applicant Not Required Not Required NA
Loan Tenure Min. 12 To Max. 60 Months Min. 12 To Max. 60 Months NA
Maximum Loan Amount Max. 75 Lacs Max. 20 Lacs (Up to Rs.50 Lacs in selected locations). NA
Employment/Business Continuity Graduate with Total work experience Min. 1 Year 4 years Post Qualification experience for Doctors/ Chartered Accountants. 5 years Post Qualification experience for Company Secretary / Architect. NA
CIBIL Score Min. 700 & Above Min. 700 & above NA
  • Proof of identity: PAN Card / Aadhaar Card Copy
  • Proof of address: Copy of passport/voter ID card/driving license/Any latest utility bill.
  • Last 3 Months Bank Statement of Salary Account.
  • Latest 3 Month Salary Slips
  • Form 16/Office I-card
Fee Amount to be Paid
Rate of Interest Salaried - 10.25% To 13% Monthly Reducing
Loan Processing Charges Upto 2% of the loan amount subject to a minimum of Rs. 999/-
Cheque Bounce Charges Rs. 550/- per cheque bounce
Cheque/ Instrument Swap charges Rs 500/-
Prepayment/ Foreclosure Charges Nil Forclosure charges applicable if loan amount >10 lacs & <10 lacs - 13 - 24 Months - 4% of Principal Outstanding, 25 - 36 Months - 3% of Principal Outstanding >36 Months - 2% of Principal Outstanding
Default Interest Rate 2% per month on EMI / Principal overdue
Duplicate Statement Issuance Charges Rs. 200/-
Duplicate Amortization Schedule Charges Rs. 200/-
Duplicate Interest Certificate Rs. 200/-
S(Provisional/ Actual) issuance Charges NA

Major Features of HDFC Personal Loan

  • Minimal documentation and Online Disbursement to HDFC Account Holders
  • Co-Appliant Income can be clubbed to get higher Loan amount and Lower Rate of Interest.
  • Part Payment & Foreclosure Facilities 
  • Check your eligibility in 60 seconds, and You can get funds within 4 hours of approval.
  • Existing HDFC Bank customers can benefit from special rates and loan approvals in 10 seconds.
  • Accident and critical illness insurance at a nominal premium or a special policy to cover the outstanding amount on your loan.

Advantage of HDFC Bank Personal Loan

TYPES of Personal Loan that customers can avail of:-

Fresh Personal Loan *  Balance Transfer of a Personal Loan * Top up on Existing Loan

*Elite Customer Loan * Diva Loan for Women

  • Lowest Rate for a personal loan in Industry
  • Maximum Loan amount Eligibility (Up to 30 times of your Monthly NTH)
  • Nil closure charges facility available for elite customers (NTH >75k & Loan amount >10 lacs)
  • Fast online loan approval & Disbursal

Benefits of HDFC Personal Loan

  • Apply HDFC Personal Loan Interest Rate @ 10.50%
  • Easy documentation process & 100% transparency
  • Maximum loan up to Rs. 75 lacs for salaried individuals and for self-employed and professional are Rs. 40 lacs.
  • Flexible repayment options, ranging from 12 to 60 months
  • No hidden charges and low processing fee
  • In few cases, we can go up to 72 months Tenor
  • No CIBIL Cut off

Benefits of HDFC Bank Personal Loan

  • Interest rates for HDFC Personal Loan are allocated according to the customer's salary, the amount being borrowed, loan tenure and other Credit Record of Borrower
  • Hassle-free Loans - No Guarantor / Security or Collateral required
  • After 12 EMI Personal Loan can be closed without any charges
  • HDFC Personal Loan requires minimum paperwork and is often approved within 48 hours of submitting an application.
  • Credit Shield

Advantage with Loanmoney

Loanmoney is one of the leading Loan Agency inDelhi/NCR. We offers all types of Loans & Credit Cards like
Personal Loan,Credit cards, Home Loan, Business Loan and Loan Against Property .

Loan Money's main objective is to provide Best deal with Multiple option with Transparency & safety. We deal with over 35 Banks & NBFC`S. ,Our main focus is customer satisfaction that's why our customer rate us over 4.8 out of 5 on Google review rating, Its shows our level of commitment & services towards our customers.

  • Expert & Experience Loan Advisor
    We are a team of young and energetic professionals from diverse backgrounds like Ex Bankers, CAs to guide hassle free Loan process and to deliver on commitment.

  • Multi Bank Option
    Loanmoney deals with Over 35 Banks & NBFCs,As per customer profile & financial we will give you minimum 3 best deal for your Personal Loan which is available in the market.

  • Free Door step Service
    Loanmoney doesn't charge anything against the customer for the Service of your Loan and help you to get desire Loan amount with lowest Rate.

  • End to End services
    We are very vibrant and dynamic Loan agency who manage all the processes ourselves from lead sourcing to Loan Disbursal. We work for customer utmost satisfaction.

  • Transparency & Safety
    We will share every terms and conditions related with your Loan process like interest rates, payment tenure, EMI and any other charge applied during Loan process & at before loan disbursement on recorded lines.

  • Referral Program
    Loanmoney offer an attractive scheme for earn extra bucks after getting loan. Any Disburse customer can become our associates &can start earning on referring New customers to Loan Money.

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