91-9711165183
| Loan Amount | >10.99 to 14.99 lakhs | > 15 lakhs |
| Interest Rate | 10.75% | 10.50% |
| Processing fees | ₹ 4719/- | ₹ 4719/- |
The HDFC Bank Golden Edge Personal Loan is meant for high-income applicants who need increased loan amounts. Elite applicants who can repay their loan via monthly EMI bring more significant business value to the bank. To give such customers their due, HDFC has provided them with the exclusive benefits of the HDFC Bank Golden Edge Personal Loan.
Applicants with an income of above 75k per month, working with the Company Listed with HDFC Bank, can Apply for a Golden Edge Personal Loan.
An applicant can Apply for a Top Up to the Golden Edge Personal Loan after three months.
The Golden Edge Personal Loan is processed within 72 hours, and the applicant is informed about the decision.
The minimum loan amount that can be processed under the HDFC Golden Edge is ₹ 10 Lakhs.
The pre-closure charges are nil after 12 months if the loan amount is returned from the applicant's account.
The Maximum Fee Chargeable for the Golden Edge Personal Loan is 25000/-
The dates for the EMI to be paid are the 4th or the 7th of each month, according to the date the salary is credited.
The spouse or parents can be taken as a co-applicant for the HDFC Golden Edge Personal Loan, the conditions being that the salary of the applicant and co-applicant must be above 75k individually.
To be eligible for the Golden Edge Personal Loan of ₹10 lakh and above, the applicant, working in a Non-Listed Company, must have a salary of ₹1 lakh and above. The applicant's company must be approved to be included in the Company Category List the loan will only be processed afterwards.
To apply for the benefits of the HDFC Golden Edge Personal Loan, an applicant must have a Bank account in a registered Bank to which the salary is transferred monthly. It is not mandatory to have an HDFC account.
Individuals with a CIBIL Score of 720 points and above are eligible to apply the repayment track for the EMI of the existing loans should be timely, with no defaults or delays.
The Credit Card bills used by the applicant should be paid on time if there are any unpaid dues, 5% of the outstanding amount is added to the obligations.
Given below is the EMI for ₹ 10 Lakhs with the tenure options.
| Tenure | EMI at 10.75% interest |
|---|---|
| Two years | 46491.74 |
| Three years | 32620.45 |
| Four years | 25724.28 |
| Five years | 21617.95 |
Given below is the EMI for ₹ 15 Lakhs with the tenure options.
| Tenure | EMI at 10.50% interest |
|---|---|
| Two years | 69564.06 |
| Three years | 48753.67 |
| Four years | 38405.07 |
| Five years | 32240.85 |
