Credit card EMI

EMI on Debit Card

Loan EMI

Features & Benefits of Loan EMI

  • 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

Eligibility Criteria

Salaried employees, 21 – 60 years 

Self-employed individuals, 26 – 65 years

Minimum Income

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

Fees and charges

  • 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.


  • Salaried employees
    Latest photo Identity proof: PAN Card
    Address proof: Aadhar Card, Passport, Driving license, Electricity bill.
  • Self-employed individuals
    Latest ITRs with a statement of the computation of income: