EasyEMI on Credit Card
EasyEMI on Debit Card
EasyEMI on Consumer loans
Flexible Repayment Options: Choose a repayment schedule that fits your lifestyle, from 6 to 48 months. Manage your purchases effortlessly.
Instant Approval & Quick Disbursement: No more waiting times. Get instant approval and quick disbursement with no documentation required.
100% Digital Process: Apply using just your PAN number and mobile number. It’s that simple!
No Down Payment Needed: Enjoy 100% financing for your purchases and services.
Eligibility Criteria for HDFC Bank Consumer Loans:
Eligibility Criteria for HDFC Bank Consumer Loans:Pre-approved Loan for HDFC Bank Customers
- Check Eligibility: SMS MYHDFC to 5676712
- Call Us: 96432222222
- WhatsApp Us: 7070022222
- Real-Time Eligibility Check: Quick and easy.
- Salaried Employees: 21 – 70 years
- Self-employed Individuals: 26 – 75 years
- HDFC Bank Salary Account Customers: Rs. 15,000*
- Others: Rs. 20,000
- Self-Employed: ITR of Rs. 2.4 lakhs
- Consumer Durable: Rs. 5,00,000
- Lifestyle Products: Rs. 15,00,000
- Cheque Bounce Charges: 2% + GST @ 18% (subject to a minimum of Rs. 531). Charges may vary as per government instructions.
- Late Payment Fee: Rs. 550 + GST @ 18% for non-payment or partial payment of EMI (subject to change as per government instructions).
- Pre-closure Charges: 3% of the balance principal outstanding + GST @ 18% for pre-closure of the loan (subject to change as per government instructions).
- GST is not applicable on interest but is applicable on fees and charges.
- Government taxes, levies, and other charges will be applied as per prevailing rates.
- Cashback will be credited to the customer’s account within 45 days of successful clearance of the first 3 EMIs, without any delays or bounces (excluding advance EMI).
- Customers can foreclose the loan at any time during the loan tenure with applicable foreclosure charges.
Manage Your Loan Queries with HDFC Bank’s Eva Chatbot
Easily manage your EASYEMI loan queries anytime with HDFC Bank's Eva chatbot.
- Check EMI, tenure, ROI, and more by entering your 10-digit mobile number.
- Eva provides instant support, saving you from waiting in line.
- Access Eva 24/7 to resolve all your EASYEMI questions and keep track of your finances.
Rates offered to customers during the period of 1st Jan 25 to 31st March 25
Rates offered to customers during the period of 1st Jan 25 to 31st March 25Segment | IRR | APR | ||||
| Min | Max | AVG | Min | Max | AVG | |
CONSUMER DURABLE LOAN | 10.99% | 39.61% | 19.11% | 10.99% | 39.58% | 18.64% |
Log in to the MyCards Section for all your consumer loan details.
DLA for Consumer Durables = LENTRA
Our partners for Consumer Durable Loans – CLICK HERE
