Golden Edge 2019-07-11T13:27:51+00:00
HDFC Golden Edge Personal Loan

Golden Edge Personal Loan from HDFC Bank,The Premier product for Elite applicants

Personal loan amount from 10 lakhs up to 30 lakhs for High-Income applicants.

Industry best rate of interest from 11.29% onwards.

Most suitable Terms & conditions offered.

Priority processing & personalized services.

Apply HDFC Golden Edge Personal Loan

Full Name*

Mobile Number*

Email

Net Monthly Income*

Place of Residence*

Loan Amount Needed*

Current Company*

What is the HDFC Golden Edge Personal Loan?

To serve customers as per the profile & requirements HDFC Bank has introduced a wide array of Personal loan products to suit every need. The Golden Edge personal loan is a Special Initiative by the HDFC Bank for High Income Customers who need Loan amounts of 10 lacs or more. This offer from HDFC Bank is the best in the industry for the Elite Applicants with an income 75k & above.

What are the benefits of the HDFC Golden edge programme?

The unmatched benefits of the HDFC Bank Golden Edge Personal loan programme include the following benefits;

  • Increased loan amounts from ₹10 lakhs to ₹40 lakhs are disbursed to salaried applicants with a net monthly income of ₹ 75 k & above.
  • The rate of interest for the Golden edge personal loan is the best across the industry starting from 11.29% onwards.
  • The processing fees charged are at a standard amount for the entire loan amount.
  • The application for the Golden Edge personal loan from HDFC Bank is processed on priority, the decision for the approval or decline of the personal loan request is informed to the applicant within 48 hours.
  • There are special terms of waiver of all Foreclosure charges for the repayment of the Golden edge Personal loan after 12 EMI’S.
  • An extended tenure of 72 months is offered to the customer for repayment of the Personal Loan.
  • Eligibility for loan amount is calculated at a higher ratio, giving the applicant the maximum amount as per the requirement.

Specific eligibility criteria for the HDFC Bank Golden edge Personal Loan.

The unmatched benefits of the HDFC Bank Golden Edge Personal loan programme include the following benefits;

  • The applicant for the personal loan must fulfil the basic criteria required to apply for a HDFC Personal Loan, the HDFC Golden Edge Personal Loan is a specifically designed for Elite customers who need to also be eligible as per the following criteria:
  • The net salary of the applicant transferred to bank account should be above 75k per month.
  • The company the applicant is working with should feature in the company category list.
  • The loan amount required & applied for by the applicant should be 10 lakhs or more.
  • The applicant should be eligible for the loan amount of ₹10 lakhs & above: the other obligations he may have after bearing the monthly living expenses should leave him enough to pay the installement for the loan applied for.
  • The CIBIL score of the applicant should be above 720 basis points, with a healthy credit history & clean repayment track of the other credit lines being used.

Features of the HDFC Golden Edge Personal Loan

  • Personal loan amount offered from ₹10 lakhs to 30 lakhs are offered under the HDFC Bank Golden edge programme.
  • Tenure for repayment of the personal loan is from12 months to 60 months with an exceptional tenure of 72 months granted.
  • Minimum processing fee is 4999/- + GST.
  • Special application form submitted for apriority process.
  • Dedicated visit by Relationship Manager to confirm customer requirements.
  • Part payment up to 25% of the loan amount allowed & fore closure facilities after a year

Rate of Interest & processing fees of the HDFC Bank Golden Edge Personal Loan

Loan Amount Rate of Interest Processing fees
HDFC account others
>10.99 to 19.99 lakhs 11.99% 0.50% 0.99%
> 20 lakhs 11.49% 0.50% 0.75%

Documents required for processing Applications under the Golden Edge Programme.

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.

Frequently Asked Questions (FAQs)

Why is the HDFC Golden Edge Personal Loan an exclusive loan?

The HDFC Bank Golden Edge Personal Loan is meant for high income applicants, who need increased loan amounts. Elite applicants who are able to pay back their loan via monthly EMI, S bring in bigger business value to the Bank. To give such customers their due HDFC has provided them the exclusive benefits of the HDFC bank Golden edge personal loan.

Can all applicants apply for the HDFC Bank Golden Edge Personal Loan?

Applicants with an income of above 75k per month, working with company listed with the HDFC Bank, can apply for a Golden edge Personal Loan.

Can an applicant apply for a Top up to the Golden Edge Personal Loan?

An applicant can apply for a Top Up to the golden edge personal loan after 3 months.

What is the processing time for the Golden Edge personal loan from HDFC Bank?

The Golden Edge personal loan is processed within 72 hours & the applicant is informed about the decision.

What is the minimum loan amount processed under the Golden Edge?

The minimum loan amount that can be processed under the HDFC Golden Edge is ₹10 lakhs.

What are the pre closure charges for the HDFC Bank Golden edge personal Loan?

The pre closure charges are nil after 12 months if the loan amount is returned from the applicants account.

What is the maximum amount that can be charged as processing fees that can be charged by HDFC Bank for the Golden Edge Personal Loan?

The maximum fees chargeable for the Golden edge personal loan is 25000/-

On which dates is the EMI deducted for the HDFC Golden Edge personal loan?

The dates for the EMI to be paid are the 4 & 7th of each month.

Can there be a co applicant for the HDFC Bank Golden Edge Personal loan?

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 & co applicant must be above 75k individually.

Can an applicant working with a non listed company apply for a HDFC Bank Golden Edge Personal Loan?

To be eligible for the Golden edge personal loan of ₹10lakh & above the applicant, working in a non listed company needs to have a salary of ₹1 lakhs & above. The company of the applicant will need to get approved for being included in the company category list, the loan will only get processed thereafter.

Benefits from Your Loan Advisors

  • Free Consultation
  • Best Interest Rates
  • Easy Documentation
  • Quick Disbursal
  • Doorstep Delivery

Personal loan can be used for

  • Family Functions or weddings
  • Medical Emergencies
  • Education funding
  • Home Renovation
  • Holidays & Travel
  • Debt consolidation
  • Purchase of latest gadgets