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HDFC Personal Loan

HDFC Personal Loan FAQs1

What are the Benefits of having a Salary Account for my Personal Loan?

You get preferred interest rates, priority processing and simpler documentation if you have a Salary Account with HDFC Bank. This is taken into account at the time of disbursal of the loan. You can pay through Standing Instructions to debit your HDFC Bank account with the EMI amount.

How much Loan can I avail of?

You can avail of a loan from Rs 25,000/- to Rs 10, 00,000/- depending on your Income and Repayment Capacity. You can club the income of your spouse if you wish to increase your loan amount.
Loan amount is Rs 50,000/- to 15,00,000/-*

How do I repay my Personal Loan?

You pay the Loan in equated monthly installments. The Loan will be paid through post-dated Cheque or through Standing Instructions to debit your HDFC Bank account with the EMI amount. Calculate how much you will repay each month.

What security do I need to provide to obtain this Loan?

To obtain the Loan, there is absolutely no need to provide any Security or Collateral.

What are the Loan tenure options?

You can repay your Loan over a period of 12 to 48 months.

How long will it take for me to get my Loan?

Once you submit your application form and supporting documents, we shall give approval within 72 hours provided everything is in order. All Loan approvals are at the sole discretion of the bank.

Can I repay the Loan earlier?

You can choose to repay your loan anytime after 12 months of availing the loan at a maximum pre-payment penalty of 4% of the principal outstanding on your loan.

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