Apply For HDFC Personal Loan

Your desired loan amount

Your Full Name

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Your net monthly income ?

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What is the purpose of your Loan?

Your Gender

Your Date of Birth

Marital Status

Salary Received In

Your PAN card number

Your total work experience?

Residence Type

Residence Address Line 1

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Get a personal loan in quick time

Check eligibility in one minute online and at select branches - Personal Loan Eligibility Calculator
Get funds in 10 seconds if you are a pre-approved HDFC Bank customer.
Other customers can get a loan within 4 working days subject to documentation and verification as per bank’s requirement.

Apply online for a Personal Loan

We have simplified the personal loan application process. You can make an online personal loan application in just a few clicks

Protect yourself with insurance

Personal Accident Cover: For a nominal premium* you can avail of Personal Accident cover of up to ₹ 8 Lakhs, and Critical Illness cover of up to ₹ 1 Lakh. The premium for these policies will be deducted from the loan amount during disbursal. Applicable taxes and surcharge/cess will be charged extra.
Personal Loan Security: Secure your personal loan with Sarv Suraksha Pro. Key benefits include:
- Credit Shield Cover equal to the outstanding loan amount
- Accidental Hospitalisation cover of up to ₹ 8 Lakhs*
- Accidental Death/Permanent Disablement cover of up to ₹ 1 Lakh*

*Terms and conditions of the insurers shall apply. The policy is offered by HDFC Ergo GIC Ltd.

Personal Loan for your every need

No matter why you need a personal loan, HDFC Bank can customise the offering for you. If you already have an HDFC Bank account, you can benefit from special rates, charges and offers. HDFC Bank also offers a host of benefits for first-time loan customers Enjoy the flexibility to pick a tenure that suits you and pay back the loan in pocket-friendly EMIs (Use our Personal Loan EMI Calculator to check your monthly outgo)

Save money with Personal Loan Balance Transfer

Lower your Personal Loan EMI by doing a balance transfer to HDFC Bank - Personal Loan Balance Transfer

Interest rates as low as 10.40%* on the existing loan transfer
Flat Processing fess starting at Rs 3,999/- (+ GST)
To transfer your loan balance, apply now.

*Applicable for NTH>50K

Get 24X7 assistance anywhere

For any help with your loan, you can reach out to us via WhatsApp no - 70700 22222, Webchat, Click2Talk and PhoneBanking.

*Terms and conditions apply. Loan at the sole discretion of HDFC Bank limited. Loan disbursal is subject to documentation and verification as per Banks requirement.

Criteria

The following people are eligible to apply for a Personal Loan:

Employees of private limited companies, employees from public sector undertakings, including central, state and local bodies
Individuals between 21 and 60 years of age
Individuals who have had a job for at least 2 years, with a minimum of 1 year with the current employer
Those who earn a minimum of 25,000 net income per month.

Senior Citizen Customers are eligible for discount of 10% on all service charges
Charges to avail a Personal Loan
Government taxes and other levies as applicable will be charged over and above the Fee and Charges. Loan disbursal at the sole discretion of HDFC Bank Ltd.

Fee	Amount to be paid
Rack Interest Rate	Salaried- 11.00% to 21.00%
Processing fee / Loan Processing Charges	Up to Rs 4999/-
Stamp Duty & Other Statutory Charges	As per applicable laws of the state

Charges Post Loan Disbursement

Fee	Amount to be paid
Overdue EMI interest	2% per month on EMI / Principal Overdue
Legal/Incidental Charges	At actuals
Amortization Schedule Charges / Repayment Schedule Charges	₹ 50/- Per Instance
Repayment mode change charges	₹ 500/-
EMI / Payment Return Charges	₹ 450/-
Loan Cancellation Charges & Rebooking Charges	NIL for cancellation of Loan (However client would be charged interest for the interim period between date of loan disbursement and loan cancellation and Processing Fees would be retained.). ₹ 1000/- for rebooking the loan.

Pre-Payment Charges

Fee	Amount to be paid
Pre-payment in Part or Full	Salaried - No pre-payment in Part or Full permitted until repayment of 12 EMIs Part-payment allowed up to 25% of Principal Outstanding. It is allowed only once in the financial year and twice during the loan tenure.
Pre-payment Charges(on principal outstanding) /Part-payment Charges [on part-payment amount]	Salaried- 13-24 months - 4% of principal outstanding,25-36 months - 3% of principal outstanding >36 months - 2% of principal outstanding

Rate Offered To The Customer During The Period Of 01st 1st July 2022 To 30th September 2022

IRR	Q2 (2022-23)
Min IRR	10.24%
Max IRR	24.15%
Avg IRR	11.17%

Annual Percentage Rate Offered To Customer During The Period Of 1st July 2022 To 30th September 2022

APR	Q2 (2022-23
Min APR	10.24%
Max APR	24.61%
Avg APR	11.17%

*Government taxes and other levies as applicable will be charged over and above the Fee and Charges Loan disbursal at the sole discretion of HDFC Bank Ltd.

Documents required

Identity proof (copy of passport/voter ID card/driving license/Aadhaar)
Address proof (copy of passport/voter ID card/driving license/Aadhaar)
Bank statement of previous 3 months (Passbook of previous 6 months)
Two latest salary slip/current dated salary certificate with the latest Form 16

HDFC Personal Loan Product features