Personal Loan

Check your Personal Loan eligibility in 1 minute

HDFC Bank personal loans can help meet all your financial needs effectively. With simplified documentation and speedy approvals, availing personal loans couldn't get easier. You can check your Personal Loan eligibility Online or visit your nearest HDFC Bank branch.

Why avail a Personal Loan from HDFC Bank?Apply for a Personal Loan from HDFC Bank

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  • Highly competitive personal loan interest rates
  • Special offers, interest rates and charges for HDFC Bank account holders
  • Personal loan eligibility in 1 minute available online and across all branches
  • Special personal loan offers* for women employees
  • Walk in Loan: Walk in to the branch with your documents and get Personal Loan in a day!, at select branches.
  • Convenience of contacting us through SMS, Webchat, Click2Talk, PhoneBanking and across all branches

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Customer Testimonial

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  • Simplified documentation
  • Competitive pricing
  • Transparency
  • Personal loans available for various needs

Personal Loan Eligibility Calculator

Are you eligible to apply for a personal loan? See our 1 minute Personal Loan Eligibility Calculator.

Apply Online

Personal Loan EMI Calculator

Use our Personal Loan EMI Calculator to find out how much EMI you will have to pay for your Personal Loan.


Status of Loan Application

Click here to view the status of your Personal Loan application.


*Terms and Conditions apply.

Personal loans from HDFC Bank are quick, competitive and transparent. Whatever be your need, talk to us and we can customise a personal loan for you. Our seamless loan sanction and disbursal procedure ensures that availing a personal loan is a hassle-free experience. Unmatched additional benefits, quick documentation, ease of communication and doorstep service make HDFC Bank a leader in personal loans.

Why avail a Personal Loan from HDFC Bank?

HDFC Bank offer personal loans for all your requirements. Smart products, competitive offerings and peace of mind differentiate us. Enjoy triple benefits when you avail a personal loan from HDFC Bank:

  • Quick personal loans-Experience express loan processing, easy documentation, quick disbursal and doorstep service
  • Competitive pricing -Benefit from competitive loan rates and convenient repayment options
  • Transparency -Zero hidden charges, reasonable processing fees and utmost clarity on the loan process with up-to-date information about the loan application at each stage

Features and Benefits of Personal Loans


Personal loans from HDFC Bank offer exclusive features and benefits:

  • In principal Personal loan eligibility in just 1 minute - Online, as well as across all branches
  • Personal loan Diva: A special loan proposition for women employees. Enjoy more than 100 free alliance offerings, across 100 locations in India
  • Loan offerings for first time borrowers also
  • Personal loans available on the basis of credit history (repayment of home loans, auto loans and credit cards)
  • Receive a Personal Accidental Cover of up to 8 Lacs* along with a Critical Illness cover of 1 Lac*
  • Convenience of reaching out through SMS, Webchat, Click2Talk and PhoneBanking

Personal Accident Cover

Pay a nominal premium* and secure the needs of your loved ones with a Personal Accident cover of up to Rs. 8Lacs and a Critical Illness cover of up to Rs. 1 Lac.

The premium for both these policies will be deducted from the loan amount at the time of disbursal. Prescribed service tax and applicable surcharge/cess will be charged extra.

Secure your Personal Loan with Sarv Suraksha Pro

Key benefits of the policy:

  • Credit Shield cover equal to the outstanding loan amount
  • Accidental Hospitalization cover of up to 8 Lacs*
  • Accidental Death/Permanent Disablement cover of up to 1Lac*
  • Critical illness is 1 Lac*

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

Personal Loan Balance Transfer Offers

Already have a personal loan? Reduce your EMIs by transferring your existing personal loan to us and avail special offers and exclusive benefits.

  • Interest rate as low as 12.99%* on the existing loan transfer
  • Flat processing fees of Rs. 999

Interested in personal loan balance transfer? Apply now

Personal Loan Diva for our women customers

HDFC Bank Personal Loan Diva is an exclusive offer for today's women, who are empowered, enlightened and enterprising - a woman like you. This tailor-made Personal Loan takes you closer to fulfilling your dreams by taking care of your financial requirements and also comes with a host of benefits through special privileges.

HDFC Bank Personal Loan Diva offers:

  • Pre-approved Personal Loan of Rs 3 lac*
  • More than 100 Diva offers across premium brands and products.

Click here for more information on Personal Loan Diva privilege offers

Personal Loan Eligibility and Documentation

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.

You should:

  • Be 21-60 years of age.
  • Have had a job for at least 2 years, and a minimum of 1 year with your current employer
  • Be earning at least Rs. 12,000/- per month net income (Rs. 15,000/- in Mumbai, Delhi, Bangalore, Chennai, Hyderabad, Pune, Calcutta, Ahmedabad, Cochin)

Documents to be submitted:

  • Proof of identity: Copy of passport/voter ID card/driving license
  • Proof of address: Copy of ration card/telephone or electricity bill/rental agreement/passport
  • Last 3 months bank statement/6 months bank passbook
  • Latest salary slip/ current dated salary certificate with the latest Form 16

Personal Loan Interest Rates & Charges

Enclosed below are HDFC Bank Personal Loan Interest Rates & Charges

FeeAmount 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

Rates offered to customer during the period of Jan 2016 to March 2016.

IRRQ IV (2015-16)
Min IRR 9.98%
Max IRR 19.95%
Avg IRR 14.21%

Annual Percentage Rate offered to customer during the period of Jan 2016 to March 2016

APRQ IV (2015-16)
Min APR 10.00%
Max APR 22.21%
Avg APR 14.46%

*Service Tax and other Government taxes, levies etc. applicable as per prevailing rate will be charged over and above the Fees and Charges

Loan at the sole discretion of HDFC Bank Ltd.

Terms and Conditions

  • Credit at sole discretion of HDFC Ban.
  • Timelines mentioned are for working days / hours and excludes Sundays and public holidays and it starts after successful submission of all necessary documents as required by HDFC Bank for credit decision.
  • Based on the information submitted by the customer during on-line application, the customer may be required to submit necessary additional information/documents for verification as required by the Bank. For such cases loan disbursal timeline commitment will not apply.

For detailed terms and conditions, click here.

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