EasyEMI on Credit Card

EasyEMI on Debit Card

EasyEMI on Consumer loans

Features and Benefits


  • Flexible Repayment Tenure - Choose a tenure according to your needs, 6 months to 48 months, with our pocket-friendly repayment options.
  • Instant Approvals and Disbursal – Skip waiting period and processing time with instant funds
  • Documentation – Provide income proof and documents for KYC Proof
  • No Down Payment - Get 100% finance to buy the products and services you need

Eligibility Criteria

Pre-approved Loan for HDFC Bank customers

  • Check eligibility - SMS MYHDFC to 5676712
  • CALL - 96432222222
  • WhatsApp -7070022222

Get Real Time Consumer Durable Loan Eligibility -  Quick check  

Salaried employees - 21 – 70 years

Self-employed individuals - 26 – 75 years

Minimum Income

HDFC Bank Salary Account Customers – Rs. 15,000*

Others – Rs. 20,000

Self Employed – ITR of Rs. 2.4 lakhs


 6 months - 48 months (depending on product type)

Minimum Loan Amount

Rs.   10,000

Maximum Loan Amount

Durables: Rs. 5,00,000

Lifestyle Product: Rs. 15,00,000

Fees and charges

Cheque Bounce Charges - 2% + GST @ 18% whenever applicable (subject to change as per Govt. instruction), subject to a minimum of Rs 531 (450 plus GST@18%).

Late Payment Fee - Non-Payment or partial payment of EMI outstanding will attract a late payment penalty of Rs.550 + GST @ 18% (subject to change as per Govt. instruction) irrespective of the EMI outstanding

Pre-closure Charges - Pre-closure of the loan will currently attract a charge of 3% of the balance principal outstanding + GST @ 18% (subject to change as per Govt. instruction)

GST is not applicable on interest levied but will be applicable on charges/fees.

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

​​​​​​​Processing Fees up to 749 + GST


  • KYC with Income proof

General Terms and Conditions

  • Cashback to be posted in customer account within 45 days of successful clearance of first 3 EMI's, without any delay/bounces.(excluding advance EMI)

  • Customer can foreclose the loan anytime during the loan tenure with applicable foreclosure charges

Avail loan services via Eva

Keeping a tab on your EASYEMI is now easier and quicker than ever! With HDFC Bank Eva Chatbot at your service, you can check the EMI amount, tenure, ROI, charges and other loan details of your Debit Card EMI and EasyEMI on Consumer Loans anytime and anywhere. All you need to do is open the Ask Eva chat option and enter your 10-digit registered mobile number. Eva will address all your loan queries instantly and provide the support you need. This will save you the time and effort of waiting in line to get your queries addressed. Using Eva’s 24/7 service, you can find answers to all your EASYEMI questions and keep your finances in check. 

Rates offered to customers during the period of 1st Jan '24 to 31st March'24










CONSUMER DURABLE LOAN9.94%37.49%17.00%9.94%37.49%17.00%

DLA – Lentra.

No Swipe EMI Payment