Yes I Have Read the Privacy Policy & Agree To The Terms And Condition

HDFC Bank Personal Loan

HDFC Bank is one of the most popular private sector banks in the country, known for its professional banking and financial services. HDFC Bank is a market leader in personal loans as it offers a triple advantage to all loan applicants. Minimal documentation, quick loan approval and assured transparency makes HDFC bank the preferred choice of thousands of satisfied loan borrowers.
HDFC Bank Personal Loan is one of the most convenient ways to meet your Immediate Financial Needs if planned well. It is generally an unsecured loan, means you do not need to provide any assets as security to avail the loan. HDFC Personal Loans are great when it comes to dealing with life’s financial challenges. There are number of times when you need quick money for a number of reasons, it could be a medical emergency, or an urgent housing renovation, a foreign holiday, a family wedding or any other such thing. Getting HDFC Bank Personal Loan not only helps you get by, quick repayment of it improves your credit score thus enabling you to take bigger help next time, in case the need arrives.

Eligibility For HDFC Bank Personal Loan.

HDFC Bank Personal Loan Eligibility Criteria & Documentation required for HDFC Bank Personal Loan.


Eligibility Criteria Salaried
Age 23 - 60
Loan Amount Rs. 1 Lacs to Rs.1 Crore
Tenure  12 - 72 Months
Rate of Interest / APR [Annual Percentage Rate] New Loan - 10.35%* & Balance Transfer - 10.25%*
Processing Fees Min. Rs. 999/- to Max. Rs. 4719/-
Special Nil Foreclosure above 10 Lacs; Disbursement in 12 Hrs
Documentation Address / Identity / Income Proof
  • Can Avail 30 Times of Net Salary*
  • Spouse Income can be Clubbed*



HDFC Bank Personal Loan Balance Transfer

Personal loan balance transfer is a process by which a borrower transfers an outstanding principal of a personal loan from one lender to HDFC Bank. Borrower can avail facilities like Lower Rate of Interest means Lower EMI, Longer Repayment Tenure, Avail Additional Features, Top-up Loan Facility & Better Services.

Net Salary     Rate of Interest
Greater Than 50,000 (Govt. Employees)     10.25%
Greater Than 50,000 (Non. Govt. Employees)     10.40%
Greater Than 35,000     10.99%
Less Than 35,000     12.49%
hdfc personal loan self employed   hdfc personal loan salaried
Apply HDFC Personal Loan
Field(s) marked with * are mandatory field(s).
Name *
Contact Number *
City *
Email *
Company Name
Net Monthly Salary *
Loan Amount *
I Have Read The Privacy Policy And Agree To The Terms And Condition.
HDFC Personal Loan Delhi Personal Loan


General Information

  • Loan Amount: Rs. 1 Lac to 1 Crore
  • Rate of Interest (APR)*: 10.25% to 12.49%
  • Repayment Tenor: 12 Months to 72 Months
  • Processing Fees: Min Rs. 999/- + GST to Max. Rs. 4719/-
  • Prepayment/ Foreclosure: Nil (After 12 months*) or 1% - 4% (Before 12 months)

Illustration: Rs. 1 Lac Loan on @ 10.25% with processing fees for 72 Months comes to Rs. 1,34,296/- Equated Monthly Instalment shall be: Rs. 1865/- only.


APR* - Annual Percentage Rate

Documentation required for Salaried Individuals

  • Identity proof: Aadhar Card, Valid Passport, Valid Voter ID Card or a Valid Driving License
  • Address proof: Ration card/passport/telephone/rental agreement/electricity bill
  • 3 months salary slips/certificates
  • 2 years’ Form 16 (TDS certificate)/ Income Tax Return
  • 12 Months bank statement of your salary account
  • 2 Passport Size Recent Photographs

Purpose Of HDFC Bank Personal Loan

Wedding Expenditure

Marriages are made in heaven and its celebration is one of the happiest and memorable events for married couples and their families. Wedding loan is available to people looking to meet their wedding expenses in order to make the wedding a grand success.

Medical Emergencies

A Medical Loan is extended by a bank or a financial institution under the category of personal loans. A medical loan can be used for multiple emergency purposes such as an operation, surgery, procedure, therapy or for any concern related to health.

Balance Transfer

Balance transfer is the process where a customer transfers his outstanding principal amount to another bank or financial institute primarily for a better rate of interest and also for better features. Balance transfer reduces your interest rates and finally ensure saving.

Credit Card Payment

The Credit Card Payment Loan is designed to allow you to take control of your finances and pay your credit cards off faster. This is made possible by consolidating your high-interest card balances into one monthly payment at a fixed rate and term.

Travel & Tourism

Travel loan is a kind of Personal Loan that you can apply while planning a travel. It can help to cover the costs associated with your holiday, such as airfares, accommodation, hotel fares, tour packages, travel gears/accessories, or any other type of expenses associated with your travel.

Higher Education

The Education Loan aims at providing financial support from the bank to deserving/ meritorious students for pursuing higher education in India and abroad. Students enrolled in career-oriented courses e.g. medicine, engineering, management etc, can avail this.

Financial Restructuring

Debt consolidation/ Financial Restructuring is a process to streamline one’s financial stability and debt. Thus by consolidating many small debts with one debt, one gets favourable payment off terms and lower burden of EMI.

Home Renovation

Home is the place where your story generates. Home Renovation Loans are designed for the purpose of renovating a house and can be taken by a person who owns the property to be renovated.

FAQ For HDFC Bank Personal Loan

  • How long can I take to repay my HDFC Personal Loan?
  • HDFC Personal Loan offers flexible repayment options ranging from 12 to 60 months, depending on the customer’s profile.

  • How much can I borrow HDFC Personal Loan?
  • You can take as much loan as you wish, as there is no maximum limit, depending on your income and repayment capacity. You can club your spouse’s income if you want to get a bigger loan

  • How can I repay my HDFC Personal Loan?
  • You pay the loan in equal monthly instalments (EMIs). The loan will be paid through post-dated cheques. You can also pay through ECS or a standing instruction to debit your HDFC Bank account with the EMI amount. Try LoanMoney for EMI calculator to calculate how much you need to pay each month.

  • What are the loan tenure options for Professionals Loan?
  • You can repay your loan over a period of 12 to 60 months

  • How is my loan eligibility calculated?
  • Loan eligibility is dependent on primarily the following factors:
    The company where you work. Every bank has a list of companies running into thousands which they have categorised into segments like A, B, C etc depending on the credentials and financials of your employer. The higher the category the higher is the loan eligibility chances. Quantum of loans and credit card outstanding that you already have. Typically a bank will not give a loan if the total EMI obligation (including the current Personal Loan that your are trying to apply for) exceeds 50-75% of your total net take home salary. Your gross/net salary Your credit score as reflected in your CIBIL or Equifax report. Having a good credit score is a necessary but not a sufficient criteria.

  • Documents required while applying for a HDFC Personal Loan?
  • One need to provide an identity proof, residence proof, last 3 months salary slip, last 6 months bank statement and a passport sized photograph. HDFC Banks may also ask for additional documents later like Form 16, appointment letter, company ID card, previous company relieving letter

  • Is part-prepayment of a Personal Loan allowed?
  • No, part prepayment is not allowed. The loan has to either be prepaid in full or serviced for the contracted tenure.

  • How does a Salary Account help me get a HDFC Personal Loan?
  • You get a preferential rate of interest and processing fee, speedy processing and minimal 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 a Standing Instruction to debit your HDFC Bank account with the EMI amount.

  • Do I need to provide any security or collateral to obtain HDFC Personal Loan from HDFC Bank?
  • No you don’t have to provide any security, collateral or guarantee to obtain HDFC Personal Loan from HDFC Bank.

  • What is De-pledge?
  • Removal of a pledge from the security to regain the rights over the security is called de-pledge.

  • What is Guarantor?
  • A Guarantor is a person who guarantees to pay for someone else's debt if he or she should default on a loan obligation.

  • What is Amortization?
  • Amortization is paying off debts in regular instalments over a period of time.

  • What is Pledge?
  • A right over the security is created in favour of HDFC Bank. Hence shares cannot be transferred or sold by the customer or shareholder.

  • What is RTGS?
  • RTGS is the Real Time Gross Settlement which is used for the transfer of amounts of Rs. 1,00,000 or more from one bank account to another bank account (any bank located anywhere in India if attached with an Internet system) at very minimal charges. The amount is credited into the beneficiary's account in real time. For amounts less than Rs. 1, 00,000 we use NEFT (National Electronic Fund Transfer).

  • What is NEFT?
  • The National Electronic Funds Transfer (NEFT) system is a nation-wide funds transfer system to facilitate transfer of funds from any bank branch to any other bank branch.

  • What happens if I miss an EMI payment or there is an ECS bounce?
  • The bank will levy certain ECS bounce charges/penalties. In addition it will get reported in your credit report. Depending on the severity of the default it can have serious impact on your future credit possibilities like a home loan, car loan etc. In addition, the banks can also take legal action against the borrower.

  • How can I change the mode of repayment/ account for my loan?
  • In the event that you wish to change the mode of repayment/bank account for your loan repayment, you may visit the nearest the Retail Loan Service Centre and submit your request with the revised account mandate/instructions.

  • How can I get my address changed in my loan account?
  • In order to change your address in our records, you may visit the nearest Retail Loan Service Center and submit the following documents:
    Request form for Address Change.
    Self Attested copy of your revised address proof along with the original address proof for validation. In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents (self attested copy and original for validation) of the bearer, i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.

  • How do I obtain a Duplicate Repayment Schedule for my loan account?
  • You may obtain a Duplicate Repayment Schedule for your loan account, free of charge by registering for our Net Banking facility on and download the repayment schedule for your linked loan account.
    Alternatively, you may visit the nearest Retail Loan Service Centre and submit the following documents

  • What are the charges I have to pay to change the mode of repayment/ account for my loan?
  • A service charge of Rs.500 is applicable for changes in loan repayment instructions issued from non-HDFC Bank Account (ECS or PDC facility). A cheque /pay order/demand draft for Rs. 500 favouring “HDFC Bank Ltd Loan Account No. << >>” will be required along with the revised set of repayment instructions.

  • Are there any additional charges for loan repayment?
  • The additional charges (if any) are applicable in case you default or in case of SWAP (i.e. change the repayment mode). The charges are updated and can be viewed in the Fees & Charges section in the Bank’s website of each loan product.

    After 12 EMI - 4% | After 24 EMI - 3% | After 36 EMI - 2%

    There is no charges after 12 EMI, when your salary is greater than 75,000 and your loan amount is greater than 10 Lakh

  • How long will it take for my Personal Loan to be processed?
  • Once you submit your application form and the required documents as per Bank's criteria, you can expect our approval and disbursal within 5 working days, provided everything is in order. All loan approvals are at the sole discretion of the bank. Disclaimers

CRM Loanmoney Services Private Limited is an Authorised Sales Channel Partner of multiple Banks & NBFCs including HDFC Bank. CRM Loanmoney Services Private Limited facilitates the Personal Loan & its process from multiple Banks & NBFCs including HDFC Bank through LoanMoneyIndia brand. LoanMoneyIndia helps you to embark on your dream at the right time with many Personal Loan opportunities available at multiple Banks & NBFCs including HDFC Bank.Website visitor is advised to read below points carefully.

  • is not an official website of HDFC Bank. This website has been developed and maintained by LoanMoneyIndia for Marketing Purpose only. We suggest that visitor can be visit the official site of HDFC Bank for any information & clarification.
  • We are using this site for Internet Marketing purpose only. We only facilitate HDFC Bank Personal Loan to the customer who enquires about getting loan through HDFC Bank.
  • We do not provide our own funds, or borrowed funds. The funds are of multiple Banks& NBFCs, therefore all terms and conditions are determined by Banks& NBFCs.
  • The rate, eligibility criteria, documentation, term & conditions of various banks are subject to change as per bank discretion. We try our best to keep the data up-to-date, but we can't guarantee the accuracy of data provided in this site Visitor are advised again to visit the official site of HDFC Bank
  • The information contained herein is provided as a public service with the understanding that makes no warranties, either expressed or implied, concerning the accuracy, completeness, reliability, or suitability of the information. does not warrant that the use of this information is free of any claims of copyright infringement.
  • The information and materials contained in these webpages of and the terms, conditions, and descriptions that appear on are subject to change. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to final LoanMoneyIndia determination and acceptance.
  • You are interested in knowing more or availing and/or purchasing various products, services, offers, campaigns or other promotional material that LoanMoneyIndia or any other third party may offer/provide/share/send you from time to time through any means including but not limited to telephone, SMS (short messaging service), electronic mail (e-mail), Whatsapp or any other messaging service/mobile application or any other physical, electronic or digital means/mode.
  • You hereby agree that LoanMoneyIndia may contact you either electronically or through phone, to understand your interest in the selected products or Services and to fulfil your demand or complete your application.
  • Further you also expressly agree and authorize LoanMoneyIndia and its partners, service providers, vendors and other third parties to contact you for the purpose of offering or inviting your interest in availing other products or services offered by third parties, or for sending other marketing campaigns, offers, or any other information either on the Website or through other means including but not limited to telephone, SMS (short messaging service), electronic mail (e-mail), Whatsapp or any other messaging service/mobile application or any other physical, electronic or digital means/mode.
  • You specifically understand and agree that by using the Website , you authorize LoanMoneyIndia, its affiliates, partners and third parties to contact you for any follow up calls in relation to the Services provided through the Website and for offering or inviting your interest in availing any other product or service offered by LoanMoneyIndia or such third parties.
  • You agree and consent to receive communications relating to all of the above on your phone/mobile number provided by you on the Website and expressly waive any registration or preference made under DND/NCPR list under the applicable TRAI regulations.

Apply Now *

  • TRAI - DND Policy - By filling up the forms, you authorise CRM Loanmoney Services Pvt Ltd. representatives and its associate Bankers, NBFC's to contact you over Telephone to provide your Financial Services.

  • Loanmoneyindia is not Bank or NBFC. We are facilitator duly authorised by them as sourcing partner on their Behalf.
  • We do not charge any money for our services from Customers.
  • All information as “As is where basis” and subject to change as and when our Principals Changes.