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Golden Edge Personal From HDFC Bank

Premium Golden Edge Personal Loan Offers

The Perfect Solution For Your Diverse Financial Needs

Rate of Interest
Industry Best Interest Rate 10.50% Onwards
Repayment Tenure
Foreclosure is Allowed After Repayment of 12 EMI
Processing Fees
Priority Process With an Enhanced Loan Amount.
Balance Transfer To ICICI
For Elite Applicants With an Income of 74k and Above
Apply For Personal Loan








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    With The Representative APR of 11.25% of a Personal Loan For ₹ 2 Lakhs To Be Repaid Over 60 Months, The EMI
    Will Be ₹ 4373.46 Per Month For The Entire Tenure.
    Get A Hassle Free And Quick Personal Loan Online Process
    Apply Now
    What is the HDFC Golden Edge Personal Loan?
    To fulfil customers' financial requirements from varied segments, HDFC Bank offers a wide range of Personal Loan products to meet customers' needs. The Golden Edge Personal Loan is a prime product designed to serve Elite customers with more significant loan requirements.
    HDFC Golden Edge Personal Loan Benefits
    High-income applicants are offered customised services with premium benefits to make their Personal Loan journey seamless.
    Increased Loan Amount
    Unsecured Personal amounts ranging from ₹ 10 lakhs to ₹ 40 lakhs are offered under the Personal Loan HDFC Golden Edge programme. This amount can be used for Personal requirements such as:
    Home Renovation
    Holiday Expenses
    Family Celebrations
    Weddings
    Emergency Needs
    Priority Process
    A unique application form and a personalised process are generated for Golden Edge Personal Loan HDFC applicants to ensure an expedited process and quick disbursal of funds.
    Dedicated Services
    To provide doorstep services, a designated relationship manager will visit the client to understand the requirements, solve any queries and conduct a personal verification.
    Exclusive Terms and Conditions
    HDFC Golden Edge Personal Loan applicants are offered exclusive terms for their loans, such as a flexible repayment tenure, minimal fees, pre-closure and part payment options.
    Eligibility Ratio
    To issue the maximum loan amount to applicants with an income of more than ₹75k per month, the eligibility calculation ratio is enhanced, up to 60% of the monthly earnings.
    Eligibility Criteria for HDFC Golden Edge Personal Loan
    To receive the exclusive benefits of this product, an applicant must fulfil the following:
    Age
    An Applicant must be between 23 and 60 years of age.
    Monthly Income
    The applicant's monthly salary must be ₹75k and above.
    Company Category
    The applicant's current employer must be on the Approved List of Companies of HDFC Bank.
    Continuity
    A total job experience of 2 years and a continuity of 3 months or more in the current job are the prerequisites for the Golden Edge Loan.
    CIBIL Score
    The CIBIL score of the applicant should be above 720 basis points and above to Apply For the HDFC Golden Edge.
    Current Obligations
    The current commitments of the applicant should have an on-time payment record.
    Financial Eligibility
    The customer should be able to afford the extra EMI to be paid with the existing loans and Credit Cards.
    HDFC Golden Edge Personal Loan Details
    The prominent features of the HDFC Golden Edge Personal Loan include the following:
    Loan Amount
    To process an application under the HDFC Golden Edge, the applicant's requirement should be ₹ 10 Lakhs and above, and the maximum loan amount issued is ₹ 40 Lakhs.
    Tenure for Repayment
    The Golden Edge HDFC Personal Loan's Repayment Term is 12 to 72 months. This is decided considering the loan amount and the applicant’s financial capacity to pay the EMI.
    Foreclosure and Part Payment
    The HDFC Golden Edge Personal Loan Foreclosure charges are waived after the payment of 12 instalments. 25% of the loan can be repaid as a partial payment free of charge.
    Online Process and Disbursal
    Digital processing and an online disbursal facility ensure that the HDFC Golden Edge Application is processed speedily on approval, the customer can disburse the loan online.
    HDFC Golden Edge Charges
    The HDFC Golden Edge Personal Loan Interest Rate is the lowest in the industry, with a one-time consolidated file charge, applied as per the following grid:
    Loan Amount >10.99 to 14.99 lakhs > 15 lakhs
    Interest Rate 10.75% 10.50%
    Processing fees ₹ 4719/- ₹ 4719/-
    *For a list of other applicable charges, check here.
    HDFC Golden Edge Personal Loan Documents List
    Submit the following documents to Apply for the HDFC Golden Edge Personal Loan
    Salary Slip for the last three months
    The bank statement of the salary account for the last three months shows three salary credits.
    Form 16 for the last financial year.
    Pan card.
    KYC Documents
    Proof of Identity - (Passport/Driving Licence/Voter I.D./Aadhaar Card/Ration Card)
    Current Address Proof - (Bank Statement, Utility Bill, Rent Agreement)
    Company I.D.
    Two passport size photographs
    FAQ'S
  • 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 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.

  • Can all Applicants Apply for 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.

  • 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 three 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, and 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 applicant's account.

  • What is the Maximum Amount that HDFC Bank can Charge for the Golden Edge Personal Loan as Processing Fees?

    • The Maximum Fee 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 4th or the 7th of each month, according to the date the salary is credited.

  • 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 and co-applicant must be above 75k individually.

  • Can an applicant working with a Non-Listed Company Apply for an HDFC Bank Golden Edge Personal Loan?

    • 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.

  • Is it Mandatory to Have An Account in HDFC Bank to Receive a Golden Edge Personal Loan?

    • 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.

  • What is the CIBIL Score Required to Apply for the HDFC Golden Edge Personal Loan?

    • 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.

  • Are the Credit Card obligations included in the HDFC Golden Edge Personal Loan Eligibility Calculations?

    • 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.

  • What is the EMI for a ₹10 Lakh Personal Loan under the HDFC Golden Edge scheme?

    • 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
  • What is the EMI for ₹ 15 Lakhs for an HDFC Golden Edge Personal Loan?

    • 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
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