Personal Loan - Get Instant Loan Online

Personal Loan - Get Instant Loan Online

Apply for an HDFC Bank Personal Loan online today to unlock a world of possibilities and begin your journey towards financial freedom.

Experience the convenience of HDFC Bank Personal Loan – your ultimate solution for all financial needs.Whether it's planned events like weddings, vacations, home renovations, or unexpected emergencies such as medical procedures, our Personal Loan makes life easier.

​​​​​​​With a seamless online application process, we ensure quick and hassle-free access to funds,
making it the ideal credit option for you.

Personal Loan Calculator

Check if you have a Pre-approved Loan 

All you need to know about Personal Loan:Terms And Conditions

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 Interest10.75% to 24.00% (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 on 21st June 2024

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)


*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.

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.

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 10.65%* on the existing loan transfer

  • Flat Processing fess starting at Rs 4,999/- (+ 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.


Interest Rates & Charges


Personal Loan​​​​​​​ FAQs

  • How does a Personal Loan work?

    To avail of the HDFC Bank Personal Loan, all you need to do is submit the loan application form.On meeting the eligibility critieria, you will get an offer with the sanctioned amount, tenure of loan and interest rate.Once you accept the offer, funds are transferred to your bank account instantly.

    You can also submit the application form online in just a few clicks.

  • What is the highest loan amount I can get?

    Personal Loan is offered upto ₹40 Lakh. However, basis the loan requirement, one can avail upto ₹75 Lakh subject to eligibility norms.

  • What is the CIBIL Score required to get a loan?

    A CIBIL score above 720 is considered good for sanctioning of Personal Loan.

  • How can I repay my Personal Loan?

    You pay the loan in equal monthly instalments (EMIs) through ECS or a standing instruction to debit your HDFC Bank account with the EMI amount.

  • Do I need to provide any security or collateral to apply for a Personal Loan?

    You don't need to provide any security, collateral or guarantor to obtain a Personal Loan from HDFC Bank.

  • How is Personal Loan interest rate calculated?

    Interest on Personal Loan depends on various factors such as CIBIL score, Repayment History, Principal amount, Tenure.

    Use the Personal Loan EMI calculator link.

  • How is Personal Loan processing fee calculated?

    The bank has to incur some costs while processing and sanctioning of loan and hence the processing fee is charged accordingly.

  • Is there any option to get the Personal Loan foreclosure charges waived?

    Under the Golden Edge program we offer, upon the payment of a minimum 12 EMIs, the Customer shall have the option to foreclose the loan in full or part towards the outstanding principal amount of the loan without any prepayment charge if the loan is prepaid from own sources.​The customer who is having an income >= ₹75,000, and net loan amount >₹10 Lakh is eligible for this offer.

    Please have a service request registered with regard to personal loan foreclosure. Click here  to raise an online token for the same.

  • What is the nature of Interest Rate charged?

    HDFC Bank offers Fixed rate of interest at reducing balance method.

  • Is insurance mandatory for Personal Loan? Is insurance included in deductions or in EMI?

    Insurance is the subject matter of solicitation. We recommend you to protect your loan obligation against unforeseen events so that your family should not have the burden to pay back on behalf of you.

  • Is there any discount on the interest rate or processing fees applied if I take the Personal Loan online or at a branch?

    We are running special offers on regular basis. You can reach out to our branch / RM to know more about the ROI offering.

  • Is there any stamp duty applicable for taking Personal Loan?

    Stamp duty is levied by the Indian government and its compulsory to be paid to the government.

  • Is there any option to get the processing fees waived?

    The bank has to incur some costs while processing and sanctioning of loan and hence the processing fee is charged accordingly.

  • What documents should be kept handy for new and existing customers?

    There is a pre-approved offer that you can avail of through NetBanking wherein no documents are required. ​​​​​If you are not eligible for a pre-approved offer, documents are required to ascertain the profile and loan eligibility.

  • How to check status of Personal Loan?

    ​​​​​​​You can check the status of your personal loan by using our Loan Status Checker.

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