- No Extra Cost EMI:
Avail of EMIs at No Extra Cost
- No Processing Fee:
Convert your purchases into Debit Card EMIs without any Processing Fees
- Flexible Repayment Tenure:
Choose a tenure according to your needs, from 3 months to 36 months, with our pocket-friendly repayment options.
- Instant Approvals & Disbursal
Cut the waiting period and processing time -- get funds instantly!
- No Documentation
EasyEMI are hassle-free - you don’t have to submit any documents
- No Down Payment
Get 100% finance to pay for the treatment you need
- Pre-approved Loan for HDFC Bank customers
HDFC Bank customers can check eligibility by sending an SMS MYHDFC to 5676712
Salaried employees, 21 – 60 years
Self-employed individuals, 26 – 65 years
HDFC Bank Salary Account Customers – Rs. 15,000*
Others – Rs. 18,000
Self Employed – ITR of Rs. 1.5 lakhs
6 -36 months (depending on product type)
Minimum Loan Amount
Maximum Loan Amount
Durables: Rs. 5,00,000
Lifestyle Product: Rs. 15,00,000
- Auto Debit return penal interest
2% plus GST @ 18% whenever applicable (subject to change as per Govt. instruction), subject to a minimum of Rs. 450 will be levied.
- Late Payment Fee
Non-Payment or partial payment of EMI outstanding will attract late payment penalty of Rs.300 plus 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 plus GST @ 18% (subject to change as per Govt. instruction).
- Cheque swapping charges
Rs. 500 plus GST @ 18% (subject to change as per Govt. instruction) for non-HDFC Bank account
- Cheque Bounce/ EMI Return Charges
Rs. 450 plus GST @ 18% (subject to change as per Govt. instruction
- Processing Fee:
Rs. 399 flat for loan booked below 1 lakh. Rs.749 for loan booked above 1 lakh
- Competitive Interest rates
Up to 22% rate of interest on reducing balance basis.
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
Loan at the sole discretion of HDFC Bank Ltd.