Get attractive rates on HDFC personal loans starting at 10.90% p.a. HDFC offers loans of up to Rs.40 lakh with flexible tenures of up to 5 years. The bank charges a processing fee of up to Rs.6500 + GST of the loan amount.
We found 1 HDFC Personal Loan
Loan Amount
:Up to ₹40L
Fixed
:10.85% - 21.00%
Tenure
:1 - 5 Years
Processing Fee
:₹ 4,999
Fees & Charges
Eligibility Criteria
Documents
What you'll love
Perks
Balance Transfer
Top-up Loan Available
Part-Payment Available
No Guarantor Required
Door Step Service
E-Approval
Rack Interest Rate | 10.90% p.a. - 24.00% p.a. |
Loan Amount | Up to Rs.40 lakh* |
Benefits |
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(*Loan amount can vary depending on your eligibility and is solely at HDFC’s discretion)
The various fees and charges that are levied by HDFC Bank are:
Loan processing fee | Rs.6500 + GST |
Pre-payment/Part-payment charges |
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Overdue EMI interest | 2% per month will be charged on the principal or EMI that is overdue |
Stamp duty and other statutory fees | As per the laws of the state that the applicant resides in |
Cheque swapping fee | Rs.500 |
Amortization schedule fee | Rs.200 |
Cheque bounce charges |
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Incidental or legal charges | At actual |
Check the below are HDFC Personal Loan eligibility details.
Proof of identity | Aadhaar Card, Driving Licence, Passport, or Voter ID Card |
Proof of address | Voter ID Card, Aadhaar Card, Passport, or Driving Licence |
Other documents |
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Customers who require additional funds over their existing home loan can opt for the HDFC Top-up loan facility. Customers can top-up their loans up to Rs.50 lakh or up their existing loan amount, whichever is lower.
Customers who wish for lower interest rates on their existing personal loans can opt for the HDFC Bank personal loan balance transfer from another financial lender. To transfer their personal loan balance to HDFC Bank, customers will be offered interest rates as low as 10.40% and will be charged a processing fee of Rs.3,999.
You can use BankBazaar HDFC Personal Loan EMI Calculator to check your monthly prepayment amount. All you need to do is enter your preferred loan amount, tenure, interest rate and processing fee Hit “Calculate” to check your EMI and processing fee.
Before you apply for a personal loan from HDFC Bank, ensure that you go through the loan particulars, check your eligibility, and are familiar with the terms and conditions of the lender.
You can repay your loan amount in Equated Monthly Installments (EMIs). The loan repayments can be done via post-dated cheques, ECS, or via a standing instruction to debit the repayment amount from your HDFC Bank account.
You can take a top up loan from HDFC when you opt for a balance transfer with HDFC.
No, HDFC Bank only offers personal loans to salaried individuals. Applicants are required to be employed with a private, public sector, or government body at the time of taking the loan.
No, HDFC Bank charges a fixed rate of interest for personal loans.
For personal loans that were disbursed on or after 1 April 2018, you can make part-payments, provided you have paid at least 12 EMIs.
1. Part-payments can only be made twice during the entire loan tenure. 2. Borrowers can only make a part-payment once in any given fiscal. 3. Each part-payment cannot be more than 25% of the outstanding principal amount.
If you take a personal loan from HDFC Bank, you will need to repay the due amount within 1 year to 5 years (12 to 60 months).
You can check the status of your HDFC personal loan application by visiting the website of HDFC bank. All you need to provide is the reference or proposal number along with the date of birth or mobile number.
The COVID-19 crisis has posed a huge challenge for customers. Hence, based on RBI guidelines, HDFC offers its customers the option to opt for personal loan moratorium. All HDFC Bank customers who have taken personal loan prior to 1st March 2020 are eligible.
Despite continued concerns from the banking regulator, banks' unsecured retail loan portfolios have shown steady growth, though at a moderated pace, as seen in early Q2 results. HDFC Bank recorded a 10% increase in its unsecured loan portfolio for the September quarter. ICICI Bank reported a 17% growth in personal loans and a 28% increase in credit card loans. Kotak Mahindra Bank saw personal and consumer durable loans grow by 17%, with credit card loans up 15%. Yes Bank experienced a 5% decline in personal loan disbursements but reported a 48.6% jump in credit card loans. Personal loans account for 15% of Yes Bank's advances, while credit card loans represent 6% of its portfolio. Among public-sector banks, Bank of Baroda saw a 25% year-on-year rise in personal loans, which now make up 13.8% of its total advances.
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