HDFC Bank Personal Loan in Delhi2019-01-07T13:44:51+00:00
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Benefits with Your Loan Advisors

We at yourloanadvisors.com are committed to Customer service.

  • Process your Personal loan at the best available ROI.
  • Get customized Quotes from leading Banks/NBFC.
  • With our experience we are now poised to help our customer’s to achieve funds desired with the best terms & conditions.
  • No hassle to customer, we give Door step delivery of your Personal loan.
  • Sincere follow up on behalf of our Customer with banking institution.
  • Expert advice & guidance to for solving any of loan related issues such as Debt consolidation.

Personal Loan Features

Most Leading Banks & NBFC’S actively offer Personal Loans as a Primary product. With slight variations the basic features remain the same.

  • A Personal Loan is a Loan issued without any co laterals or guarantee.
  • Loan Amounts offered for minimum of 50k up to 30 lakhs.
  • Flexible repayment options available from12 months up to 60 months.
  • The Loan amount is to be paid back through Equated monthly Installements (EMI).
  • The Rate of Interest is fixed for the approved tenure; EMI is calculated @ monthly reducing balance.
  • Personal Loans are disbursed within 3 to 5 working days.

ELIGIBILITY CRITERIA FOR A PERSONAL LOAN

Applicant should be an Indian citizen over 21 years of age.

She/he should be gainfully employed for the 12 months or more.

Minimum salary drawn should be 30,000/- per month or more.

Salary should be credited regularly to the Salary account month on month.

Applicant should hold a valid proof of Identity.

COMPARE RATE OF INTEREST & PROCESSING FEES APPLICABLE FROM MAJOR BANKS

LOAN PROVIDER INTEREST RATE PROCESSING FEES TENURE LOAN AMOUNT
HDFC BANK 11.49% – 20% 0.5%-2.5% of loan amount 12-60 mths 50k-30 lakhs
ICICI BANK 11.49% – 20% 1%-2.5% of loan amount 12-60 mths 50k-25 lakhs
AXIS BANK 11.99% – 22% 2% of loan amount 12-60 mths 50k-20 lakhs
Citi Bank 11.75%-20% 0.25-1% of loan amount 12-60 mths 1-25 lakhs
Kotak 11.99% – 22% 2% of loan amount 12-60 mths 50k-15 lakhs
YES BANK 10.75% – 18% 0.5%-2.5% of loan amount 12-60 mths 50k-30 lakhs
BAJAN FINSERV 13% – 16% 2% of loan amount 12-60 mths 1-25 lakhs
Standard Chartered 11.50% – 18% 0.5%-2% of loan amount 12-60 mths 50k-25 lakhs
IDFC BANK 11.50% – 18% 0.5%-2.5% of loan amount 12-60 mths 50k-30 lakhs
Capital First 12.5% – 22% 2% of loan amount 12-60 mths 50k-20 lakhs
TATA CAPITAL 11.50% – 18% 999/- 2% of loan amount 12-60 mths 50k-20 lakhs
Fullerton India 13.5% – 20% 1% – 3.5% of loan amount 12-60 mths 50k-20 lakhs
Indusland Bank 11.99% – 23% 2% of loan amount 12-60 mths 50k-20 lakhs

Example: With a representative 10.75% APR based on borrowing ₹ 10 lakhs and repaying over 60 months with monthly EMI of ₹ 21,618.

HDFC BANK PERSONAL LOAN OVERVIEW

HDFC Bank is easily the market leader in the field of unsecured Personal Loans. With the widest customer reach it has created a niche market for itself. HDFC Bank has become a household name with branches located all over the country. The Personal loan product with HDFC Bank is now a specialised one giving quick & hassle free funds to applicants in urgent need of funds.

The national capital region of New Delhi is a region of prime focus for HDFC Bank Personal Loans for the salaried personnel. HDFC encompasses all segments of the salaried class: for a fresh employee with a salary of 20 k per month to the elite class with an income of 75k & above per month the terms of conditions offered for a Personal Loan are the best as compared to competition.

Special offers are available for top company’s employees, government servants & high income applicants. HDFC Bank salary account holders are given additional discounts for rate of interest & processing fees.

All personal loans in the New Delhi region are processed by the central team & loan amounts are disbursed within 72 hours. The process for Personal loans from HDFC Bank is systematic & efficient; the policy is clearly defined & transparent .All the terms & conditions are clearly intimated to the applicant at the time of disbursal such as:

The loan amount disbursed.
The rate of interest applicable
The processing fees
The Tenure for repayment of the Loan amount
The monthly EMI

We at www.yourloanadvisors.com are well versed with all aspects of the HDFC Bank policy & can guide our customers to get the best deal ,our customers are our priority & our services are totally Free of cost.

CIBIL CHECK FOR A PERSONAL LOAN

A CIBIL Score is not mandatory with all Banks for processing of a Personal loan.

Your CIBIL score reflects a complete history of all credit transactions to date.

A credit score of 720 points & above is considered a satisfactory score for a Personal Loan process.

Always check your CIBIL score before applying for a Loan.

Every time a Bank or NBFC an enquiry for details to CIBIL the score gets reduced by 20 points, so never make indiscriminate Loan applications.

There is always a room for error with CIBIL so in case your record has not been updated correctly; steps can be taken to remedy the same.

Personal Loans can be used for different Purposes

Banks and Non-Banking Financial Companies (NBFC) in India offer personal loans to meet specific purposes or expenses. While a personal loan can serve any purpose and it is not mandatory for you to state the purpose when applying for one, the different loan products simply help make the shopping process lot simpler. For example if you are looking for a personal loan to fund a wedding, researching and comparing wedding loans will prove a great starting point.

End usage of a Personal Loan
Here are some of the common reasons for which personal loans available in India. Some of them may be available at select banks /lenders only. The loan amount, tenure, interest rates, eligibility, fees, penalty and terms and conditions will vary across lenders.

A Personal Loan for the expense of a wedding

A timely loan can help you take care of all major expenses in a planned and organized manner allowing you fully enjoy the special occasion without being bogged down by financial concerns.

A Personal Loan for Home Renovation expenses

With sufficient funds to spruce up your home with latest amenities or address vital/extensive repairs, home renovations /improvements need no longer drain your earnings. Make sure to consolidate your wish list and get a quote from a trusted contractor before applying for this loan.

A Personal Loan for a holiday or travel expenses

Holidaying abroad or at an exotic location is very much affordable with personal loans for holiday travel that help finance your entire trip right from tickets to shopping. Saving up for a dream holiday, though typical, can cause you to lose a lot of precious time. Instead you can opt for a suitable personal loan and spend quality time with loved ones at your favourite destination, without burning a hole in your pocket.

Take a Personal loan to buy Consumer Durables

Electronic appliances form an integral part of Indian homes. From basic television sets to food processors, air conditioners and geysers, consumer durables do make life a tad easier and comfortable. You can now furnish your home without cutting down other expenses or using up savings, by picking an affordable personal loan.

A Personal loan to bear Education costs

Education is a costly affair at present times, but is essential to survive in this competitive setting. Funding your child’s education or even your own higher education with a personal is a wise decision, for it enables you to pursue learning without being worried about the expenses involved in achieving your dream qualifications.

A Personal loan for celebration expenses during festivals

India is a land of festivals. Each festival has its own significance and customary expenses as well. If you are unable to make ends meet this festival season, check out the personal loan offered by few lenders. Small, short-term loans (12 months) with low interest rates are characteristic of this loan, which may prove handy to dole out gifts to your loved ones.

A Personal Loan for Funding to freshers

Did you know that your first salary slip makes you eligible for a personal loan of about 1 – 1.5 Lakh rupees? While it is important that you spend the money responsibly, you can afford to treat your friends and family or rent a studio apartment in your city of work, pick up few sets of formal clothing – just address any immediate expenses comfortably.

Personal loans for medical emergencies and debt consolidation are also available. Top-up loans are also conditionally offered, over and above current personal loans to address additional requirement for money.

DOCUMENTS REQUIRED

Income Documents

Salary Slip for the Last 3 months.

Bank Statement from Salary account for the last 3 months showing 3 salary credits.

Form 16 for the last financial year.

Pan card copy.

KYC Documents

Photo Identification proof.(Passport/Driving Licence/Voter I.D./Adhaar Card/Ration Card)

Current Address Proof.(Bank Statement, Utility Bill, Rent Agreement)

Company I.D.

FAQ’S FOR A PERSONAL LOAN

A Personal loan is easily achievable & is the best method to secure funds by salaried individuals for immediate requirements.

A Personal Loan is an unsecure loan which is forwarded to an individual solely on the basis of the applicant’s profile: so why give a precious asset as a security for a gold loan or a property loan when it is possible to get funds via a Personal Loan.

The total time taken to get an approval for a Personal Loan is 48 hours to 72 hours .post approval the funds are transferred by ECS to the applicant’s Bank account.

To be eligible for a Personal Loan the applicant must receive a minimum of 20 k in the salary account for 3 consecutive months.
To be eligible to apply for a Personal Loan the applicant should be a graduate or a diploma holder: having cleared CBSE or equivalent successfully.
All Personal Lenders will forward Loan amounts as per their individual policy. The maximum loan amount universally granted as a Personal Loan is 30 lakhs & the minimum an institution will like to fund is 50k.
Most major Banks & financial institutions provide Personal loans to eligible customers as per the policy. The applicants can also choose the lender with Personal Loan features most compatible to the requirement .Your Loan Advisors provides services without any charges to help & guide Loan applicants as to which Bank will be best suited to them.
It is mandatory for the applicant to have a Bank account; it could be in any Bank & not necessarily in the Bank which is the Personal loan provider.
Major Banks require that the salary amount be received by direct transfer from the company to the applicants account. An exception can be made if the salary amount is received regularly by cheque & deposited in the same account over a length of time.
An applicant should never pay in cash or cheque when submitting the documents. A processing fee is charged by the Bank/NBFC post approval of the loan .The file charges or processing charges levied by the lending institution is always deducted from the Loan amount at the time of disbursal.
An applicant may apply for the Loan amount required but it is up to the Loan provider to sanction the Loan as per the eligibility criteria. Major factors governing the Loan amount given to an applicant are; the income of the applicant, the total obligations, and the policy of the Bank with regard to the applicants profile.
The Personal Loan being an unsecure loan the rate of interest charged is slightly higher than a secure loan: though the minimum rate of interest chargeable is 10.99% @ monthly reducing balance .This rate is given to elite customers with an impeccable track or credit history. The maximum rate is up to 24% @ monthly reducing balance.
A spouse or the parents of an applicant who are earning members can become co applicants for a Personal Loan. The additional income of the co applicant will increase the eligibility for the Loan amount. If the co applicant has a faulty CIBIL record it could adversely affect the Loan approval.
The monthly installement charged for a Personal Loan includes a component of the Principal Loan amount & the interest; thus the loan amount decreases with every monthly installement paid & the interest charged here on will be on the existing principal amount.
The Tenure for a Personal Loan is the time for which the Loan amount is borrowed. Personal Loan Tenure ranges from 12 months to 60 months. The Tenure for which the Personal Loan is forwarded is at the discretion of the lending Bank.
The approval for a Personal Loan is valid for a month, if not disbursed during the period the applicant will have to reapply.
Having procured a Personal loan from a financial institute it is important to maintain a timely payback: To maintain regularity & avoid hassles the monthly installement is recovered through ECS or electronic clearing system from the salary account of the applicant.
The ECS is an automated system: it will hit the salary account of the applicant month on month till cancelled or changes as per instructions from the initiating Bank.

If the ECS bounces the applicant should ask for it to be represented & maintain the balance required for clearance of the same. An applicant can pay the pending dues by cheque from an alternate account but the ECS bounce status will remain in the repayment record.

A Personal Loan is financial assistance easily available at the time of a financial requirement; to be able to get further credit readily it is important to maintain a good repayment record. Any delays or default will reflect in the CIBIL record. Maintenance of timely repayment record will ensure a good financial portfolio.

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SOME HDFC BANK BRANCHES IN DELHI FOR PERSONAL LOAN

Bank Branch IFSC Code Branch Address
HDFC Bank Anand Vihar HDFC0001668 A-38 ANAND VIHAR, NEW DELHI, DELHI 110092
HDFC Bank KG Marg HDFC0000003 209 – 214, KAILASH BUILDING, 26, KASTURBA GANDHI MARG, NEW DELHI DELHI 110001
HDFC Bank Vasant Vihar HDFC0000011 D-1, SHOPPING CENTRE NO 2, VASANT VIHAR, NEW DELHI, DELHI 110057
HDFC Bank ORN Market HDFC0000026 13-B PUSA ROAD, BAZAR MARG,OLD RAJINDER NAGAR, NEW DELHI, DELHI 110060
HDFC Bank Greater Kailash 2 HDFC0000027 M-44, GREATER KAILASH-II MARKET,NEW DELHI, DELHI 110048
HDFC Bank Safdarjang Market HDFC0000032 C-5 SAFDARJUNG DEVELOPMENT AREA COMMERCIAL COMPLEX, NEW DELHI, DELHI 110016
HDFC Bank Saket Branch HDFC0000043 E – 143,SAKET, NEW DELHI, DELHI 110017
HDFC Bank Anand Niketan HDFC0000336 C-17, ANAND NIKETAN, NEW DELHI, DELHI 110021
HDFC Bank New Friends Colony HDFC0000089 D 965 NEW FRIENDS COLONY, OPP.MATA KA MANDIR, NEW DELHI, DELHI 110065
HDFC Bank Punjabi Bagh HDFC0000091 27, WEST AVENUE ROAD,WEST PUNJABI BAGH,NEW DELHI, DELHI 110026
HDFC Bank Greater Kailash 1 HDFC0000092 5-65, GREATER KAILASH – 1, NEW DELHI, DELHI 110048
HDFC Bank Vikash Marg HDFC0000120 GF 01,02 03, LAXMI DEEP BUILDING, LAXMI NAGAR DIST CENTRE, VIKAS MARG, NEW DELHI, DELHI 110092
HDFC Bank Janakpuri HDFC0000129 PLOT NO. 28, BLOCK B, COMMUNITY CENTRE, JANAKPURI, NEW DELHI, DELHI 110058
HDFC Bank Palam HDFC0000132 D-5, MAHAVIR ENCLAVE, PALAM DABRI ROAD, PALAM, NEW DELHI, DELHI 110045
HDFC Bank Defence Colony HDFC0000134 D-23,DEFENCE COLONY, NEW DELHI, DELHI 110024
HDFC Bank Gopinath Bazar HDFC0000139 1/72, GOPINATH BAZAR, DELHI CANTONEMENT, NEW DELHI, DELHI 110010
HDFC Bank East Patel Nagar HDFC0000144 2/10 EAST PATEL NAGAR, NEW DELHI, DELHI 110018
HDFC Bank Pitampura Community Center HDFC0000158 PITAMPURA COMMUNITY CENTRE NN TOWERS PITAMPURA 23-A, NN TOWERS, COMMUNITY CENTRE (NEAR RANI BAGH) ROAD NO 44, PITAMPURA NEW DELHI 110034
HDFC Bank Vivek Vihar HDFC0000193 B – 5, ASHOKA NIKETAN MAIN ROAD, NEAR VIVEK VIHAR, NEW DELHI, DELHI 110092
HDFC Bank Chandni Chowk HDFC0000217 536 MAHALAXMI BUILDING, CHANDNI CHOWK, NEW DELHI, DELHI 110006
HDFC Bank Gujranwala Town HDFC0000247 B-10, GUJRANWALA TOWN PART IRING ROAD, NEW DELHI, DELHI 110009
HDFC Bank Panchsheel Park HDFC0000248 S-355, PANCHSHEEL PARK, NEW DELHI, DELHI, 110017
HDFC Bank Dwarka HDFC0000249 AGGARWAL CENTRAL PLAZA, PLOT NO 11, SECTOR 5 DWARKA, NEW DELHI, DELHI 110075
HDFC Bank Kalkaji HDFC0000271 CC 31, KALKAJI, NEW DELHI, DELHI 110019
HDFC Bank Rohini HDFC0000272 RG COMPLEX, PLOT NO 4, DDA COMMUNITY CENTER, SECTOR IX, ROHINI, NEW DELHI, DELHI 110085
HDFC Bank Vasant Kunj HDFC0000273 SITE NO 2, OCF POCKET, SECTOR C, VASANT KUNJ, NEW DELHI, DELHI 110070
HDFC Bank Rohini HDFC0000272 RG COMPLEX, PLOT NO 4, DDA COMMUNITY CENTER, SECTOR IX, ROHINI, NEW DELHI, DELHI 110085
HDFC Bank Ashok Vihar HDFC0000287 B-3/2, ASHOK VIHAR PHASE-II, NEW DELHI, DELHI 110052
HDFC Bank Rajouri Garden HDFC0000292 J-12/21, RAJOURI GARDEN, NEW DELHI, DELHI 110027
HDFC Bank Mayur Vihar HDFC0000293 10-LSC,B-BLOCK, MAYUR VIHAR PHASE-II, NEW DELHI, DELHI 110091
HDFC Bank Lajpat Nagar HDFC0000294 A-9,RING ROAD, LAJPAT NAGAR IV, NEW DELHI, DELHI 110024
HDFC Bank Connaught Palace HDFC0000313 H-69, OUTER CIRCLE, CONNAUGHT CIRCUS, NEW DELHI, DELHI 110001
HDFC Bank Darya Ganj HDFC0000314 4686-92, 21-AANSARI ROAD, DARYAGANJ, NEW DELHI, DELHI 110002
HDFC Bank South Extention HDFC0000319 D-9, SOUTH EXTENSION, PART II NEW DELHI, DELHI 110049
HDFC Bank Vikash Puri HDFC0000328 D-117, VIKAS PURI, NEW DELHI, DELHI 110018
HDFC Bank Vashundhra HDFC0000329 MANAV ASHRAY BLDG, 11 SERVICE CENTRE OPP DDA SPORTS COMPLEX, VASUNDHARA ENCLAVE, NEW DELHI, DELHI-110096
HDFC Bank Kashmiri Gate HDFC0000330 NO 3909-3912, HAMILTON ROAD, MORI GATE, KASHMIRI GATE, NEW DELHI, DELHI 110006
HDFC Bank Shalimar Bagh HDFC0000331 BN-11, SHALIMAR BAGH, NEW DELHI, DELHI 110088
HDFC Bank Okla Industrial Area HDFC0000337 PLOT NO 4, CAPITAL TRUST HOUSE II, MAA ANANDAMAYI MARG, OKHLA IND AREA PHASE II, NEW DELHI, DELHI 110020
HDFC Bank Bamnoli Village HDFC0000338 NO 548/2, BAMNOLI VILLAGE, NEAR DWARKA, SECTOR 28, NEW DELHI, DELHI 110045
HDFC Bank Roop Nagar HDFC0000339 4/8, MAIN ROAD, ROOP NAGAR, NEW DELHI, DELHI 110007
HDFC Bank Kirti Nagar HDFC0000363 F-38, KIRTI NAGAR, NEW DELHI, DELHI 110015
HDFC Bank Adarsh Nagar HDFC0000391 A-4, PANCHWATI, ADARSH NAGAR, DELHI 110033
HDFC Bank Pitampura CD Block HDFC0000392 PLOT NO 6, LOCAL SHOPPING CENTRE,CD BLOCK, PITAMPURA, NEW DELHI, DELHI 110034
HDFC Bank Rohini Sector 11 HDFC0000393 BLOCK NO .5, SECTOR 11, ROHINI, DELHI 110085
HDFC Bank Yamuna Vihar HDFC0000395 C-1/14 A,YAMUNA VIHAR, DELHI 110053
HDFC Bank Karol Bagh HDFC0000439 NO-2212,GALI NO 64-65,J BLOCK, NAIWALA, GURUDWARA ROAD, KAROL BAGH, NEW DELHI, DELHI 110005
HDFC Bank Naraina HDFC0000440 CC-31, COMMERCIAL COMPLEX, NARAINA IND AREA, PHASE I, NEW DELHI, DELHI 110028

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