Get a personal loan in quick time

  • Check eligibility in one minute online and at select branches - Personal Loan Eligibility Calculator
  • Get funds in 10 seconds if you are a pre-approved HDFC Bank customer.
  • Other customers can get a loan within 4 working days subject to documentation and verification as per bank’s requirement.

Apply online for a Personal Loan

We have simplified the personal loan application process. You can make an online personal loan application in just a few clicks

Personal loan fees and charges

Rate of Interest10.50 % to 25.00% (Fixed Rate)
Processing FeesUpto 4999 + GST
Tenure 03 Months to 72 Months
Documents RequiredNo Documents for Pre-approved Personal Loan
For Non Pre-approved - Last 3 Months Bank statements, 2 Latest Salary Slip and KYC

Updated as 7th Aug 2023

Protect yourself with insurance

  • Personal Accident Cover: For a nominal premium* you can avail of Personal Accident cover of up to ₹ 8 Lakhs, and Critical Illness cover of up to ₹ 1 Lakh. The premium for these policies will be deducted from the loan amount during disbursal. Applicable taxes and surcharge/cess will be charged extra.
  • Personal Loan Security: Secure your personal loan with Sarv Suraksha Pro. Key benefits include:
    • Credit Shield Cover equal to the outstanding loan amount
    • Accidental Hospitalisation cover of up to ₹ 8 Lakhs*
    • Accidental Death/Permanent Disablement cover of up to ₹ 1 Lakh*

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

Personal Loan for your every need

No matter why you need a personal loan, HDFC Bank can customise the offering for you. If you already have an HDFC Bank account, you can benefit from special rates, charges and offers. HDFC Bank also offers a host of benefits for first-time loan customers Enjoy the flexibility to pick a tenure that suits you and pay back the loan in pocket-friendly EMIs (Use our Personal Loan EMI Calculator to check your monthly outgo)

Save money with Personal Loan Balance Transfer

Lower your Personal Loan EMI by doing a balance transfer to HDFC Bank - Personal Loan Balance Transfer

  • Interest rates as low as 10.40%* on the existing loan transfer
  • Flat Processing fess starting at Rs 3,999/- (+ GST)
  • To transfer your loan balance, apply now.

*Applicable for NTH>50K

Get 24X7 assistance anywhere

For any help with your loan, you can reach out to us via WhatsApp no - 70700 22222, Webchat, Click2Talk and PhoneBanking.

*Terms and conditions apply. Loan at the sole discretion of HDFC Bank limited. Loan disbursal is subject to documentation and verification as per Banks requirement.

Personal Loan EMI Calculator