20 August, 2025
Synopsis
You can get a Personal Loan in 10 seconds with Xpress Personal Loan Top Up.
- If you fulfil the eligibility requirements, the loan is typically approved without any paperwork.
- You can complete KYC through Aadhaar-based eKYC and get your loan instantly.
When you need money urgently, be it for medical expenses, travel, home repairs or even a big purchase, the last thing you want is to run around collecting paperwork, standing in queues or waiting days for approval.
With HDFC Bank Xpress Personal Loan, you don’t have to. If you meet the eligibility criteria, you can get a personal loan in just 10 seconds without submitting a single document. And if you’re not an existing HDFC Bank salary account holder, you can still get your loan approved, all completely online.
No Documents? No Problem
Traditionally, getting a loan meant providing multiple documents: salary slips, bank statements, identity proof, address proof and more. However, with HDFC Bank’s fully digital process, there’s no paperwork at all.
Here’s how the verification works:
- Mobile Number Verification
Simply start by verifying your registered mobile number. This lets the bank instantly check your profile and loan eligibility.
Income Details: Done Automatically
If you’re an HDFC Bank salary customer: The bank already has your income information, so there’s no need to submit salary slips.
If you don’t have an HDFC Bank salary account: No worries. Using the account aggregator framework, the bank can securely access statements from the bank where your salary is credited.
Loan Offer: Tailored to You
Based on your eligibility, you’ll instantly get a loan offer. You can review it and choose a repayment plan that fits your budget.
KYC: Completed in Minutes
Your Know Your Customer (KYC) process is completed through Aadhaar-based eKYC, so there’s no physical verification or branch visit needed.
Benefits of Xpress Personal Loan Top Up
Apart from the speed and convenience, there are other reasons why Xpress Personal Loan is a smart choice.
It’s quick: You can get a Personal Loan in a matter of seconds. HDFC Bank offers pre-approved loans to customers in 10 seconds flat*. If you’ve wondered how to get an instant loan, wonder no more.
You don’t need collateral: Since Personal Loans are unsecured (without collateral or security) loans, banks will look at your income, cash flows, strength or stability of your business or employment to make sure you are able to repay the loan.
Attractive interest rates: If you have a good credit history, strong income proof and a long relationship with the bank, you may get access to get good terms.
Easy repayment terms: Personal Loans are short to medium term (12 to 60 months) loans with a flexible repayment structure. You will typically repay the loan in equated monthly instalments (EMIs). You can adjust your repayment tenure to make your EMIs pocket-friendly. Check the Personal Loan EMI Calculator to plan your repayment better.
Perfect for every need: A personal loan can be used for almost any purpose, such as funding a wedding, renovating your home, managing medical expenses and taking a dream vacation, to name a few. Plus, since there are no end-use restrictions, you have complete freedom to spend the funds as you see fit.
Check out everything you need to know about Personal Loan.
How to Get Your 10-Second Loan
Here’s a quick recap of the process:
- Verify your mobile number.
- Select your salary account (HDFC Bank or other bank via account aggregator).
- Confirm your prefilled personal details.
- Enter your employer details.
- Get your personalised loan offer.
- Complete Aadhaar-based eKYC.
Funds are disbursed directly into your account in seconds.
With HDFC Bank Xpress Personal Loan, getting funds is no longer a paperwork-heavy process. The combination of 10-second approval, zero documents, 100% digital processing and flexible repayment makes it one of the most convenient ways to borrow. So, the next time you need quick funds, skip the queues, forget the files and go digital.
Know how you can improve your credit score for favourable terms.
Your 10-second personal loan is waiting. Get started here.
*Disclaimer: Terms and conditions apply. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. Personal Loan at the sole discretion of HDFC Bank Limited. Loan disbursal is subject to documentation and verification as per Bank's requirement. Interest rates are subject to change. Please check with your RM or closest bank branch for current interest rates.
