HDFC Personal Loan

Enjoy competitive interest rates on HDFC personal loans, commencing at 10.50% p.a. HDFC provides loans of up to Rs. 40 lakh, featuring flexible repayment tenures extending up to 5 years. Please note that the bank imposes a processing fee of up to 2.5% of the loan amount.

Characteristics of HDFC Personal Loans

Details of HDFC Bank Personal Loans

(*The loan amount may vary based on your eligibility and is subject to HDFC's discretion.)

Fee Structure 

HDFC Bank imposes the following fees and charges:

Eligibility Requirements for HDFC Personal Loans

Documentation Needed for HDFC Personal Loan

HDFC Personal Loan EMI Calculation 

You can employ the BankBazaar HDFC Personal Loan EMI Calculator to determine your monthly installment amount. Simply input your desired loan amount, tenure, interest rate, and processing fee, then click "Calculate" to ascertain your EMI and processing fee.

For example, if you take a personal loan of Rs. 1 lakh for a 1-year tenure with HDFC's 10% annual interest rate, your monthly EMI would be Rs. 8,792. Here is the loan repayment schedule:

Comparison of HDFC Personal Loan with Other Lenders

Prior to submitting your personal loan application to HDFC Bank, it is essential to thoroughly review the loan details, assess your eligibility, and acquaint yourself with the lender's terms and conditions.

Corporate Address of HDFC Bank

HDFC House, H T Parekh Marg, 

165-166, Backbay Reclamation, 

Churchgate, Mumbai - 400 020

Additional Loan Offerings by HDFC

Hdfc Personal Loan FAQ's

HDFC loan repayments can be made through Equated Monthly Installments (EMIs) using methods such as post-dated cheques, Electronic Clearing Service (ECS), or a standing instruction to deduct the repayment amount from your HDFC Bank account.
You can apply for an HDFC top-up loan when you opt for a balance transfer with HDFC.
No, HDFC Bank exclusively provides personal loans to salaried individuals who are employed with private companies, public sector organizations, or government bodies at the time of loan application.
No, HDFC Bank offers personal loans at fixed interest rates.
For personal loans disbursed on or after April 1, 2018, partial payments are allowed once you have paid a minimum of 12 EMIs. There are certain conditions applicable, including a limit of two partial payments during the loan tenure, only one partial payment per fiscal year, each partial payment not exceeding 25% of the outstanding principal, and a part-payment charge may apply.
HDFC Bank personal loans have a repayment tenure ranging from 1 year to 5 years (12 to 60 months).
To check the status of your HDFC personal loan application, visit HDFC Bank's website and provide the reference or proposal number along with your date of birth or mobile number.
HDFC Bank offers a personal loan moratorium based on RBI guidelines. All HDFC Bank customers with personal loans taken before March 1, 2020, are eligible. Customers with overdues prior to June 1, 2020, may also be eligible, subject to HDFC's discretion.
You can reach HDFC Bank's personal loan customer care executives at the following numbers, depending on your city of residence. Customer service is available between 8 a.m. and 8 p.m. on all days, including Sundays and bank holidays: 1. Pune: 020 - 6160 6161 2. Mumbai: 022 - 61606161 3. Kolkata: 0522 - 6160616 4. Jaipur: 033 - 61606161 5. Indore: 0141 - 6160616 6. Hyderabad: 040 - 61606161 7. Delhi and NCR: 011 - 61606161 8. Cochin: 0484 - 6160616 9. Chennai: 044 - 61606161 10. Chandigarh: 0172 - 61606161 11. Bangalore: 080 - 61606161 12. Ahmedabad: 079 – 61606161

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