HDFC Bank Personal Loan

Why avail a Personal Loan from HDFC Bank?

HDFC Bank offer personal loans for all your requirements. Smart products, competitive offerings and peace of mind differentiate us. Enjoy triple benefits when you avail a personal loan from HDFC Bank :

• Quick personal loans-Experience express loan processing, easy documentation, quick disbursal and doorstep service.
• Competitive pricing -Benefit from competitive loan rates and convenient repayment options.
• Transparency -Zero hidden charges, reasonable processing fees and utmost clarity on the loan process with up-to-date information about the loan application at each stage.

Features and Benefits of Personal Loans

In principal Personal loan eligibility in just 1 minute - Online, as well as across all branches

• Personal loan Diva: A special loan proposition for women employees. Enjoy more than 100 free alliance offerings, across 100 locations in India
• Loan offerings for first time borrowers also
• Personal loans available on the basis of credit history (repayment of home loans, auto loans and credit cards)
• Receive a Personal Accidental Cover of up to 8 Lacs* along with a Critical Illness cover of 1 Lac*
• Convenience of reaching out through SMS, Webchat, Click2Talk and Phone Banking

Personal Loan Balance Transfer Offers

Already have a personal loan? Reduce your EMIs by transferring your existing personal loan to us and avail special offers and exclusive benefits.
• Interest rate as low as 12.99%* on the existing loan transfer
• Interest rate as low as 12.99%* on the existing loan transfer
• Flat processing fees of Rs. 999
• Interested in personal loan balance transfer? Apply now

Personal Loan Eligibility

Do you receive a regular salary?
This category includes salaried doctors, CAs, employees of private limited companies, employees from public sector undertakings including central, state and local bodies.

• Be 21-60 years of age.
• Have had a job for at least 2 years, and a minimum of 1 year with your current employer
• Be earning at least per month net income (Rs. 15,000/- in Delhi, Gurgaon, Noida, Faridabad, Ghaziabad)

Documents Required for Personal Loan

Identity Proof Copy of passport/voter ID card/driving license
Income Proof Last 3 months bank statement/6 months bank passbook
Proof of address Copy of ration card/telephone or electricity bill/rental agreement/passport

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Interest Rates & Charges

Personal loan Interest Rates & Charges

Rack interest rate
Salaried - 15.75% to 20%
Loan processing charges Up to 2.50% of the loan amount subject to a minimum of Rs. 1,000/- & Maximum of Rs. 25000/- for Salaried Customers.
Prepayment Salaried - No pre-payment permitted until repayment of 12 EMIs
Pre-payment charges Salaried - 13-24 Months - 4% of Principal Outstanding,
25-36 Months - 3% of Principal Outstanding
>36 Months - 2% of Principal Outstanding
No Due Certificate/No Objection Certificate (NOC) Nil
Duplicate of No Dues Certificate/NOC @24.00% per annum i.e 2% per month on the overdue installment
Solvency Certificate Not applicable
Charges for late payment of EMI 24% per annum on amount outstanding from date of default
CIBIL Report Copy Charges Rs.50 per copy
Cheque bounce charges Rs. 550/- per cheque bounce
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