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HDFC Personal Loan

Last Updated 23rd Jun 2017

HDFC Bank Personal Loans

Salaried Self Employed
Rate of Interest 10.99% - 20.00% 15.50% - 18.30%
Maximum Loan Tenure From 12 months to 60 months From 12 months to 48 months
Loan Amount Between Rs. 50,000 to Rs. 2,500,000 Between Rs. 50,000 to Rs. 5,000,000
Lowest EMI per lakh Rs. 2,174 per lakh Rs. 2,808 per lakh
Age Between 21 years to 60 years Between 21 years to 65 years
Processing Fee Upto 2.50%, Min Rs. 1,000 and Max Rs. 25,000 2.5% Min Rs. 1,000 Max Rs. 75,000
Apply Personal Loan @ 10.99%*
Rs.
Rs.
+91

HDFC Personal Loan Details

HDFC Personal Loan Document List

Documents Salaried Self Employed
Signed Application Form Yes Yes
Passport Size Photo Yes Yes
Copy of Income Tax PAN Yes Yes
Identity Proof Passport/ Driving License/ Voter ID/ PAN Passport/ Driving License/ Voter ID/ PAN
Address Proof Leave and License/ Registered Rent Agreement/ Utility Bill (upto 3 months old), Passport Leave and License/ Registered Rent Agreement/ Utility Bill (upto 3 months old), Passport
Income Proof 3 months pay slip, 2 years Form 16, 3 months bank statement showing salary credit and any EMI debit 6 months bank statement
Business Proof VAT/ service tax registration, incorporation details in case of companies, business address proof

HDFC Personal Loan Apply

HDFC Bank gives the facility of personal loan to the people who want money to meet their urgent requirements. There are some features and benefits of taking personal loan from HDFC Bank:

  • Widest range of branches in India
  • Special offers for employees of over 50,000 companies
  • Lowest interest rate available
  • Maximum eligibility
  • Fast disbursement
  • HDFC Bank has over 4,972 branches in India where you can avail service
  • HDFC Bank offers special schemes and discounts for employees of large companies

Personal Loan HDFC Bank

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HDFC Bank Personal Loan Calculator

Interest Rate Calculator - This helps you in identifying the interest rate charged on applied HDFC loan amount for effective tenure.

Interest rate on HDFC personal loan depends upon

  • Loan Amount - Higher the loan amount, lesser will be the interest rate
  • Salary - HDFC interest rate varies with your net monthly income. Higher income leads to low interest rate
  • Company where you work - Your Company listed in HDFC can avail you personal loan with best interest rates.

Eligibility Calculator - This calculator calculates your personal loan eligibility depending upon your monthly income, company profile and existing obligations (if any). Apply for only that much loan amount, what you are eligible for. This calculator calculates eligibility based on salary. You can also calculate your home loan eligibility online and based on that apply for loan. Eligibility depends on:

  • NTH - Higher monthly income increases your eligibility to get HDFC personal loan. HDFC Bank requires a minimum income of at least Rs. 15,000 to avail you loan.
  • Area of residence - Your personal loan eligibility also depends on the area where you stay. HDFC Bank has a list of areas to which they avail personal loan
  • Obligations - Your existing obligations can reduce your chances of getting personal loan from HDFC Bank. So, complete your existing obligations first and then apply for loan.

There are various methods of calculating eligibility

  • Multiplier method - This method calculates your loan amount based on your income and company profile.
  • FOIR (Fixed Obligation Income Ratio) - Your loan amount eligibility is calculated on the basis of your maximum EMI or monthly installments in respect to your income.

EMI Calculator - Personal Loan EMI calculator helps you in calculating your monthly EMI based on the loan amount, interest rate and tenure you have applied for.

Topup, Balance Transfer, Preclosure

Personal Loan Topup of HDFC Bank

A top up loan is an additional finance that can be availed on top of your existing loan with the same bank in order to meet your personal or professional needs. You can avail personal loan top-up from HDFC Bank, subject to your eligibility

Personal Loan Preclosure of HDFC Bank

These charges are to be paid in case you want to repay your entire loan amount before the end of tenure period. HDFC Bank allows prepayment of personal loan after paying 12 EMI’s with Prepayment charges vary by year: 2nd year - 4%; 3rd year - 3%, after 3 years - 2%

Personal Loan Balance Transfer of HDFC Bank

HDFC Bank offers personal loan balance transfer from another bank. This is subject to your meeting other eligibility criteria of HDFC Bank.

FAQs on Personal Loan from HDFC

How HDFC does calculate NTH for personal loan?

NTH in HDFC is calculated as the average of last 2 to 3 months net income as per your salary slip and same replicating in bank statement.

Can I prepay my personal loan in HDFC?

Yes, you can prepay your personal loan in HDFC after 12 months.

How much fee is charged by HDFC Bank for personal loan?

Processing fee charged on HDFC personal loan is Upto 2.50%, Min Rs. 1,000 and Max Rs. 25,000 with applicable service tax.

Is HDFC BT a better option?

HDFC Bank offers minimum rate of 10.99% with lowest EMI of Rs. 2,174 per lakh. If you are paying higher EMI than HDFC Bank, then balance transfer is the right option.

Can I check my loan account statement online?

You can login into your HDFC Bank online net banking account to get your loan details, track your loan history and make the payment online.

Easy comparison of HDFC personal loan with other banks

HDFC Bank Customer Care Number, Email, Application Status, Branches

City Customer Care Number
Agra 993-590-3333, loansupport [at] hdfcbank [dot] com
Ahmedabad 079-61606161, loansupport [at] hdfcbank [dot] com
Ambala 999-624-3333, loansupport [at] hdfcbank [dot] com
Anand 079-61606161, loansupport [at] hdfcbank [dot] com
Aurangabad 022-61606161, loansupport [at] hdfcbank [dot] com
Bangalore 080-61606161, loansupport [at] hdfcbank [dot] com
Bhilai 1860-266-6161, loansupport [at] hdfcbank [dot] com
Bhilwara 987-500-3333, loansupport [at] hdfcbank [dot] com
Bhiwadi 022-61606161, loansupport [at] hdfcbank [dot] com
Bhopal 0731-6160616, loansupport [at] hdfcbank [dot] com
Bhubaneswar Cuttack 993-790-3333, loansupport [at] hdfcbank [dot] com
Bikaner 987-500-3333, loansupport [at] hdfcbank [dot] com
Chandigarh 0172-6160616, loansupport [at] hdfcbank [dot] com
Chennai 044-61606161, loansupport [at] hdfcbank [dot] com
Cochin 0484-6160616, loansupport [at] hdfcbank [dot] com
Coimbatore 044-61606161, loansupport [at] hdfcbank [dot] com
Dehradun 993-590-3333, loansupport [at] hdfcbank [dot] com
Delhi 011-61606161, loansupport [at] hdfcbank [dot] com
Durg 1860-266-6161, loansupport [at] hdfcbank [dot] com
Faridabad 011-61606161, loansupport [at] hdfcbank [dot] com
Gandhinagar 079-61606161, loansupport [at] hdfcbank [dot] com
Ghaziabad 011-61606161, loansupport [at] hdfcbank [dot] com
Goa 989-060-3333, loansupport [at] hdfcbank [dot] com
Greater Noida 011-61606161, loansupport [at] hdfcbank [dot] com
Gurgaon 011-61606161, loansupport [at] hdfcbank [dot] com
Guwahati 995-719-3333, loansupport [at] hdfcbank [dot] com
Gwalior 0731-6160616, loansupport [at] hdfcbank [dot] com
Hyderabad 040-61606161, loansupport [at] hdfcbank [dot] com
Indore 0731-6160616, loansupport [at] hdfcbank [dot] com
Jabalpur 0731-6160616, loansupport [at] hdfcbank [dot] com
Jaipur 0141-6160616, loansupport [at] hdfcbank [dot] com
Jalandhar 981-533-1111, loansupport [at] hdfcbank [dot] com
Jodhpur 987-500-3333, loansupport [at] hdfcbank [dot] com
Kanpur 993-590-3333, loansupport [at] hdfcbank [dot] com
Karnal 999-624-3333, loansupport [at] hdfcbank [dot] com
Kolhapur 989-060-3333, loansupport [at] hdfcbank [dot] com
Kolkata 033-61606161, loansupport [at] hdfcbank [dot] com
Kota 987-500-3333, loansupport [at] hdfcbank [dot] com
Kozhikode 989-566-3333, loansupport [at] hdfcbank [dot] com
Lucknow 0522-6160616, loansupport [at] hdfcbank [dot] com
Ludhiana 981-533-1111, loansupport [at] hdfcbank [dot] com
Madurai 984-067-3333, loansupport [at] hdfcbank [dot] com
Meerut 993-590-3333, loansupport [at] hdfcbank [dot] com
Mehsana 079-61606161, loansupport [at] hdfcbank [dot] com
Mohali Sas Nagar 981-533-1111, loansupport [at] hdfcbank [dot] com
Mumbai 022-61606161, loansupport [at] hdfcbank [dot] com
Mussoorie 993-590-3333, loansupport [at] hdfcbank [dot] com
Nagpur 989-060-3333, loansupport [at] hdfcbank [dot] com
Nashik 989-060-3333, loansupport [at] hdfcbank [dot] com
Noida 011-61606161, loansupport [at] hdfcbank [dot] com
Noida Extn 011-61606161, loansupport [at] hdfcbank [dot] com
Panipat 999-624-3333, loansupport [at] hdfcbank [dot] com
Patna 1860-266-6161, loansupport [at] hdfcbank [dot] com
Pondicherry 984-067-3333, loansupport [at] hdfcbank [dot] com
Pune 022-61606161, loansupport [at] hdfcbank [dot] com
Raipur 1860-266-6161, loansupport [at] hdfcbank [dot] com
Rajkot 079-61606161, loansupport [at] hdfcbank [dot] com
Ranchi 1860-266-6161, loansupport [at] hdfcbank [dot] com
Rohtak 999-624-3333, loansupport [at] hdfcbank [dot] com
Roorkee 993-590-3333, loansupport [at] hdfcbank [dot] com
Salem 984-067-3333, loansupport [at] hdfcbank [dot] com
Shimla 999-624-3333, loansupport [at] hdfcbank [dot] com
Sonepat 999-624-3333, loansupport [at] hdfcbank [dot] com
Surat 079-61606161, loansupport [at] hdfcbank [dot] com
Trichy 984-067-3333, loansupport [at] hdfcbank [dot] com
Udaipur 987-500-3333, loansupport [at] hdfcbank [dot] com
Vadodara 079-61606161, loansupport [at] hdfcbank [dot] com
Varanasi 993-590-3333, loansupport [at] hdfcbank [dot] com
Vijaywada 994-949-3333, loansupport [at] hdfcbank [dot] com
Vizag 994-949-3333, loansupport [at] hdfcbank [dot] com
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*Terms and conditions apply. Credit at sole discretion of lender subject to credit appraisal, eligibility check, rates, charges and terms. Information displayed is indicative and from collected from public sources. MyLoanCare is an independent professional service provider and is not related to the government or government bodies or any regulator or any credit information bureau in any way. Information carried at this website is not and should not be construed as an offer or solicitation or invitation to borrow or lend. The Company does not undertake any liability with respect to the correctness of the content, information and calculations. Information is subject to change without notice. By submitting your query or using any tools or calculators, you authorize MyLoanCare to share your information with lender(s), consent for such lender(s) to access your credit information report and contact you regarding your query overriding your number being in National Do Not Call Registry. This is a free service and no charges are payable by the borrower to MyLoanCare. The Company may receive remuneration from lenders for services provided to them.