Check your Personal Loan eligibility in 1 minute
Learn more about the eligibility criteria andthe documents required for availing a HDFC Bank personal loan.
The documentation for a HDFC Bank personal loan varies from individual to individual. The requirements are based on your profession, income and loan requirement.
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.
Documents to be submitted:
Enclosed below are HDFC Bank Personal Loan Interest Rates & Charges
|Fee||Amount to be Paid|
|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||NIL|
|Solvency Certificate||Not applicable|
|Charges for late payment of EMI||24% per annum on amount outstanding from date of default|
|Charges for changing from fixed to floating rate of interest||Not applicable|
|Charges for changing from floating to fixed rate of interest||Not applicable|
|Stamp duty & other statutory charges||As per applicable laws of the state|
|Credit assessment charges||Not applicable|
|Non standard repayment charges||Not applicable|
|Cheque swapping charges||Rs 500/-|
|Amortization Schedule charges||Rs 200/-|
|Loan cancellation charges||NIL (However client would be charged interest for the interim period between date of loan disbursement and loan cancellation and processing fees would be retained.)|
|Cheque bounce charges||Rs. 550/- per cheque bounce|
|Legal/incidental charges||At actual|
|CIBIL Report Copy Charges||Rs.50 per copy|