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Apply For HDFC Bank Personal Loan


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  • All information as “As is where basis” and subject to change as and when our Principals Changes.

Features of HDFC Personal Loan

  • Speedy Loan Approval
  • Disbursal in 2 Days
  • Borrow up to Rs 25,00,00 for any purpose, depending on your requirements
  • Flexible repayment options, ranging from 12 to 84 months
  • Interest rates for HDFC Personal Loan are allocated according to the customer's salary, the amount being borrowed, loan tenure and other criteria that differ from one lender to another.
  • HDFC Personal Loan requires minimum paperwork and is often approved within 48 hours of submitting an application.
  • Check your HDFC Personal Loan eligibility online or at select branches in just 60 seconds. Once all your papers are submitted, the loan will be disbursed in just one working day.
  • The repayment time period is fixed and ranges from 1 to 5 years.
  • It provides accidental insurance cover up to Rs 8 lakhs and partial disability up to Rs 1 lakhs Applicable taxes and surcharge/cess Repay with easy EMIs.
  • Avail Attractive Interest Rates
  • Hassle-free Loans - No Guarantor / Security or Collateral required
  • Salaried Individuals working with an Indian or MNC private sector company
  • Salaried Individuals working with government sector enterprises, semi government sector enterprises or Indian Defence Services
  • Individuals working with public or private sector educational institutes or banks financial institutions.
  • Self Employed business owners like- Traders, manufacturers, Service providers.
  • Can instantly check loan eligibility
  • 24/7 Customer Support

Benefits of HDFC Personal Loan

  • Higher Loan amount with Lower EMI.
  • Maximum Loan up to INR 1 Cr for 7 years.
  • Flexible Interest Rate and special interest rates for women borrowers.
  • Fastest Loan Approval by just 10 Seconds.
  • Funds can be used for business as well as personal needs.
  • Special offers, interest rates and charges for all HDFC Bank account holders.
  • Easy Documentation processing & 100% Transparency on all transactions.
  • Flexible repayment options which range from 12 months to 84 months.
  • Loan is offered for First Time Loan Borrowers.
  • Disbursal in 2 Days
  • Zero Hidden Charges, very lowest processing fee & most convenient repayment option.

HDFC Bank Personal Loan

HDFC Bank is one of the most popular private sector banks in the country, known for its professional banking and financial services. HDFC Bank is a market leader in personal loans as it offers a triple advantage to all loan applicants. Minimal documentation, quick loan approval and assured transparency makes HDFC bank the preferred choice of thousands of satisfied loan borrowers.

HDFC Bank Personal Loan is one of the most convenient ways to meet your Immediate Financial Needs if planned well. It is generally an unsecured loan, means you do not need to provide any assets as security to avail the loan. HDFC Personal Loans are great when it comes to dealing with life’s financial challenges. There are number of times when you need quick money for a number of reasons, it could be a medical emergency, or an urgent housing renovation, a foreign holiday, a family wedding or any other such thing. Getting HDFC Bank Personal Loan not only helps you get by, quick repayment of it improves your credit score thus enabling you to take bigger help next time, in case the need arrives.

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Eligibility For HDFC Bank Personal Loan.

Eligibility Criteria Salaried
Age 21 - 58 Years
Loan Amount Rs. 1 Lacs to Rs.1 Crore
Tenure 12 - 84 Months
Rate of Interest / APR [Annual Percentage Rate] 10.25% for New Loan, Balance Transfer & Top-Up
Processing Fees Min. 2949/- to Max. 4719/- + GST
Special Nil Foreclosure after 12 Months (Loan Amount more than 10 Lacs)
Documentation No Address Proof Required but Aadhaar OTP Verification is Mandatory, Identity Proof & Income Proof
Eligibility
  • Can Avail 30 Times of Net Salary*
  • Spouse Income can be Clubbed*

Documentation required for Salaried Individuals

  • Identity proof: Aadhar Card, Valid Passport, Valid Voter ID Card or a Valid Driving License
  • 3 months Salary Slips/Certificates
  • 1 Years’ Form 16
  • 6 Months Bank Statement of your Salary Account
  • 1 Passport Size Recent Photographs
  • Office ID Card

General Information

  • Loan Amount: Rs. 1 Lac to 1 Crore
  • Rate of Interest (APR)*:10.25% to 12.49%
  • Repayment Tenor: 12 Months to 84 Months
  • Processing Fees: Min Rs. 2349/- to Max. Rs. 4719/- + GST
  • Prepayment/ Foreclosure: Nil Foreclosure after 12 Months (Loan Amount more than 10 Lacs)

Illustration: Rs. 1 Lac Loan on @ 10.25% with processing fees for 84 Months comes to Rs. 1,40,573/- Equated Monthly Installment shall be: Rs. 1673/- only.

APR* - Annual Percentage Rate

Different Purposes of HDFC Bank Personal Loan

Wedding Expenditure

Marriages are made in heaven and its celebration is one of the happiest and memorable events for married couples and their families. Wedding loans are available to people looking to meet their wedding expenses in order to make the wedding a grand success.

Medical Emergencies

A Medical Loan is extended by a bank or a financial institution under the category of personal loans. A medical loan can be used for multiple emergency purposes such as an operation, surgery, procedure, therapy or for any concern related to health.

Balance Transfer

Balance transfer is the process where a customer transfers his outstanding principal amount to another bank or financial institute primarily for a better rate of interest and also for better features. Balance transfer reduces your interest rates and finally ensures savings.

Credit Card Payment

The Credit Card Payment Loan is designed to allow you to take control of your finances and pay your credit cards off faster. This is made possible by consolidating your high-interest card balances into one monthly payment at a fixed rate and term.

Travel & Tourism

Travel loan is a kind of Personal Loan that you can apply while planning a trip. It can help to cover the costs associated with your holiday, such as airfares, accommodation, hotel fares, tour packages, travel gears/accessories, or any other type of expenses associated with your travel.

Home Renovation

Home is the place where your story generates. Home Renovation Loans are designed for the purpose of renovating a house and can be taken by a person who owns the property to be renovated.

How to Reach us

HDFC Bank Personal Loan FAQ's

Loan eligibility is dependent on primarily the following factors:
The company where you work. Every bank has a list of companies running into thousands which they have categorised into segments like A, B, C etc depending on the credentials and financials of your employer. The higher the category the higher is the loan eligibility chances. Quantum of loans and credit card outstanding that you already have. Typically a bank will not give a loan if the total EMI obligation (including the current Personal Loan that your are trying to apply for) exceeds 50-75% of your total net take home salary. Your gross/net salary Your credit score as reflected in your CIBIL or Equifax report. Having a good credit score is a necessary but not a sufficient criteria.

RTGS is the Real Time Gross Settlement which is used for the transfer of amounts of Rs. 1,00,000 or more from one bank account to another bank account (any bank located anywhere in India if attached with an Internet system) at very minimal charges. The amount is credited into the beneficiary's account in real time. For amounts less than Rs. 1, 00,000 we use NEFT (National Electronic Fund Transfer).

In order to change your address in our records, you may visit the nearest Retail Loan Service Center and submit the following documents:
Request form for Address Change.
Self Attested copy of your revised address proof along with the original address proof for validation. In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents (self attested copy and original for validation) of the bearer, i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

You may obtain a Duplicate Repayment Schedule for your loan account, free of charge by registering for our Net Banking facility on www.hdfcbank.com and download the repayment schedule for your linked loan account.
Alternatively, you may visit the nearest Retail Loan Service Centre and submit the following documents

The additional charges (if any) are applicable in case you default or in case of SWAP (i.e. change the repayment mode). The charges are updated and can be viewed in the Fees & Charges section in the Bank’s website of each loan product.

After 12 EMI - 4% | After 24 EMI - 3% | After 36 EMI - 2%

There is no charges after 12 EMI, when your salary is greater than 75,000 and your loan amount is greater than 10 Lakh

www.loanmoney.net.in Disclaimers

CRM LoanMoney Services Private Limited is an Authorized Sales Channel Partner of multiple Banks & NBFCs including HDFC Bank. CRM LoanMoney Services Private Limited facilitates the Personal Loan & its process from multiple Banks & NBFCs including HDFC Bank through LoanMoney brand. LoanMoney helps you to embark on your dream at the right time with many Personal Loan opportunities available at multiple Banks & NBFCs including HDFC Bank. Website visitors are advised to read below points carefully.

  • www.loanmoney.net.in is not an official website of HDFC Bank. This website has been developed and maintained by LoanMoney for Marketing Purpose only. We suggest that visitors can visit the official site of HDFC Bank www.hdfcbank.com for any information & clarification.
  • We are using this site for Internet Marketing purposes only. We only facilitate HDFC Bank Personal Loan to the customer who enquires about getting loan through HDFC Bank.
  • We do not provide our own funds or borrowed funds. The funds are of multiple Banks & NBFCs, therefore all terms and conditions are determined by Banks & NBFCs.
  • The rate, eligibility criteria, documentation, terms & conditions of various banks are subject to change as per bank discretion. We try our best to keep the data up to date, but we can't guarantee the accuracy of data provided in this site www.loanmoney.net.in Visitor are advised again to visit the official site of HDFC Bank www.hdfcbank.com
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RBI Disclaimer

Reserve Bank of India does not accept any responsibility for the correctness of any of the statements or representations made or opinions expressed by CRM LoanMoney Services Pvt Ltd, and does not provide any assurance for repayment of the loans lent on it. RBI does not accept any responsibility or guarantee about the present position as to the financial soundness of the company or for the correctness of any of the statements or representations made or the opinions expressed by the company and for repayment of deposits / discharge of liabilities by the company.

The information contained herein is only to enable the Lender to make a considered decision. Any decision taken by the Lender on the basis of this information is the sole responsibility of the Lender and LoanMoney is not liable. This information does not include any sensitive personal data or information of the Borrower. LoanMoney only facilitates a virtual meeting place between the Borrowers and the Lenders. The decision to lend is entirely at the discretion of the Lender and LoanMoney does not guarantee that the Borrowers will receive any loans from the Lenders. LoanMoney merely aids and assist the Lenders and the Borrowers listed on its website to make and receive loans and charges a service fee from the Lenders and the Borrowers for such assistance. LoanMoney is only an 'Intermediary' under the provisions of the Information Technology Act, 1999.

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