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HDFC Personal Loan

HDFC Personal Loan

PERSONAL LOAN is an unsecured loan given to borrower against his Income and credit worthiness without any security or guarantor. It is simplest loan in terms of documentation. It is a temporary loan [12 to 60 months] to meet small needs [up to 15 lacs] of borrower for immediate [Within 4-6 working Days] cash requirement for short term in easy way [Few Documents Require]. Personal Loan is better than borrowing on Credit card in terms of Rate of Interest, but more expensive than secured loan.


Salaried and Self Employed Professional like engineers, doctors, Chartered Accounts etc can avail loan from Banks. Loan amount is repaid as Equated Monthly Installment (EMI).

Comparison of best deals for loans with Rate of Interest (ROI), tenure, loan amount from various banks is provided by for your ready references. Check our EMI calculator for EMI amount, interest paid, flat rate of interest etc.



A) High Net Worth [HNI] borrowers: Consisting of Professional and Borrowers working in multi national companies. It ensures faster processing, lowest Rate of Interest.

B) General: All borrowers other than HNI are taken in this category wherein within the category the Rate of Interest on Personal Loan varies borrower to borrower



No earmarked of specific purpose is required to avail this loan, borrows uses to repay their Credit card dues, holidays, household buying, bridge loan for margin money, marriage and any such purpose.



Personal Loan is given as a certain percentage of the Net Earning [For salaried: - Net Salary credited to bank; and for professional: - Certain Percentage of Receipts]

Finance from Rs. 75,000 to Rs.15 Lacs is provided, it is calculated on EMI paying capacity of the borrower. In general, a person is assumed to be eligible to pay EMI up to 50-55% of total monthly earnings. Therefore for the purpose of obtaining the maximum loan amount a borrower is eligible to obtain by considering:-

• Total Income: Income/ Earnings from all sources including rent and interest for a month
• Existing liabilities: EMI on current loan of all types in a month
• Net amount available to pay EMI for Proposed loan
• 50-55% of balance left.
• Rate of interest and tenure on per Lacs factor
• Balance amount as above divided by factor per month


Interest rates on the personal loan may range from 14% to 21%. With the tenure of the loan up to 12 months to 60 Months.

Processing Fees of 0.5% - 2% is charged on loan amount, which is deducted from the disbursed amount.

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