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Why choose to apply for a Personal Loan to HDFC Bank

HDFC Bank is the leading Bank for the Distribution of Personal Loans: with a wide spread presence & branch network nationwide. The personal loan product from HDFC Bank has been designed to fulfil the need of salaried applicants for finance under a quick & efficient process. With a wide array of options for all categories of salaried persons, the HDFC Bank provides the best terms & conditions applied to a Personal Loan.

Unmatched Benefits of a Personal Loan from HDFC Bank

  • The Personal Loan from HDFC Bank is unsecure & granted without any deposit or guarantees.

  • The finance achieved via a Personal Loan from HDFC Bank can be used for any personal requirement.

  • HDFC Bank provides Personal loans for the salaried at the lowest rates of interest, & convenient terms & conditions.

  • The processing of a Personal Loa from HDFC Bank is smooth with minimum documentation requirements.

  • Repayment of a Personal Loan from HDFC bank is hassle free & can be done easily via equated monthly installement.

  • HDFC Bank provides special benefits for salary account holders applicants from preferred categories.

The Eligibility Criteria required processing a Personal Loan from HDFC Bank.

  • A Personal Loan is a Loan issued without any co laterals or guarantee.
  • HDFC Bank provides a Personal Loan to all Indian citizens.
  • The minimum age of the applicant should be 23 years; the maximum age for repayment is up to 60 years.

  • The net salary of the applicant should be 15k & above.

  • The applicant should be gainfully employed for a year.

  • Educational qualification of graduation is required to be eligible for a Personal Loan from HDFC Bank.
  • The company the applicant is currently employed with should be approved by the HDFC Bank.

  • The salary of the applicant should be directly transferred to the salary account month on month.

The primary features of a Personal Loan from HDFC Bank.

  • HDFC Bank provides Personal Loan starting from 50k up to ₹ 30 lakhs.

  • Flexible repayment options from 12 months to 60 months. 72 months tenure is given for special profiles.
  • Rate of Interest is charges @ monthly reducing balance.

  • Processing fees is to be deducted from loan amount post approval.

  • Part payment & pre closure options are available.
  • It is not mandatory to have a CIBIL score to process a personal loan from HDFC Bank.

  • Benefit of clubbing co applicants salary given for increased loan amounts.
  • Credit Shield insurance provided on Personal Loan.

Different types of Personal Loans from HDFC Bank

Fresh Personal Loan for Salaried.

Balance transfer of a Personal Loan to HDFC Bank.

Personal Loan Top Up from HDFC Bank.

Parallel Personal Loans processed by HDFC Bank.

The Golden Edge Personal Loan for Elite Applicants

“Diva” Personal Loan for Women applicants.


Rate of Interest 11.29%-22% per annum @ monthly reducing balance.
Processing fees Minimum 999/- up to 2.5% maximum.
Pre Closure Charges After 12 months -4% of the principal outstanding.
After 36 months- 2% of the principal outstanding.
Loan cancellation charges Nil (However the processing charges will not be re funded.
Interest will be charged on the interim period of loan closure.
Cheque Bounce Charges Rs 550/- per cheque Bounce.
Charge for late payment 2% per month from date of unpaid EMI
Cheque swapping charges Rs 500/-
Amortization Schedule charges Rs 200/-
Stamp Duty At actual as per applicable law
CIBIL report copy charge Rs 50/- per copy.
Service Tax/Other Taxes At actual applicable presently or in the future.
Legal,reposession & incidental charges At actual.

Example: With a representative 15% APR based on borrowing ₹ 2 lacs and repaying over 48 months with monthly EMI of ₹ 5566.15.


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.