HDFC Bank Personal Loan: Get instant approval within 5 minutes at lowest Interest Rates

Find best offers for Salaried, Self-employed, loan upto 15 lakh, 5 year repayment period. Whatever the reason might be, medical emergency, marriage, foreign vacation, travelliong, purchase of consumer durable, renovation, buying property, or need of extra cash. HDFC Bank Personal Loans can help you any time anywhere.


  • Special offers, interest rates and charges for HDFC Bank Account holders
  • Flexible Interest Rates, Special interest rates for women borrowers
  • Fastest Loan Approval within 10 Seconds
  • Easy Documentation Process & 100% Transparency Maximum Loan upto Rs. 15 Lakh
  • Flexible Repayment option, ranging from 12 to 6- months
  • Zero Hidden Charges, Lowest Processing Fee & Convenient Repayment option
  • Loan Offering for First Time Loan Borrowers.


Interest rates 11.49%-19.50%
Processing fees Rs. 999 for special companies else 1%-2.5%
Forclosure charges NIL-4.00%
Repayment 5 years
loan amount 15 lakh
Min. Income 18000 pm

Current interest rartes on HDFC Bank Personal loans-March, 2017

Interest rates Pre Payment Charges Processing Fees


(For Special Companies)

Nil(For Loan amount>10 lakhs and 12 EMI paid), else 4%

Rs 99 for Special offers otherwise 1%-2.5%


(For 75,000 & above salary)


(For 50,000-75,000)


(For 35,000-50,000)


(For 20,000- 35,000)


(Below @0,000 salary)


(Special Rates for Loan Amount B/w 10 lakhs- 30 lakhs)


(BT for Listed Companies)


*Applicable for SuperA, CAT A, CAT B& CAT C companies only

*Valid for all logins till 30/9/2016

Personal Loan Balance Transfer Offers

You can reduce your EMIs by transferring existing personal loan to HDFC bank

intrerest rate for balance transfer schemes starts from as low as 12.99%

Lowest processing fees of just Rs.999/- is applicable

Eligibility Criteria for HDFC Bank Personal Loan
Age of Applicant Min-21 years ; Max-60 years.
No. of years in employment 2 years & above
Current Experience 1 year & above
Net Monthly Income Rs. 15,000/- & above (CAT-A companies) Rs. 20,000/- & above (Non-listed companies)
Loan Amount offered by HDFC Bank
Minimum Funding Rs. 50,000/-
Maximum Funding Rs. 15,00,000/-
Loan Tenure offered by HDFC Bank
Minimum Tenure 12 months
Maximum Tenure 60 months
Turn Around Time of HDFC Bank Personal Loan
Salary below Rs. 75,000 5 - 7 working .
Salary above Rs. 75,000 working days (48 hours)
Processing Fee of HDFC Bank Personal Loan
Salary account holder 0%(*Valid for Logins Till 16th August)
PNon–salary account holder 0%(*Valid for Logins Till 16th August)
Prepayment Charges of HDFC Bank Personal Loan
Foreclosure Charges 4% of outstanding principal (Can be foreclosed after 1yr only)
Salary available for making EMI’s
Upto Rs. 25,000 p.m 35% of salary is considered
Bet Rs. 25,000 to Rs. 50,000 p.m. 40% of salary is considered
Above Rs. 50,000 p.m 45% - 50% of salary is considered
Documents Required for HDFC Bank Personal Loan
Identity Proof Passport/ driving license/PAN card/ Photo credit card (with embossed Signature and last two months statement)/ banker’s sign verification
Age Proof PAN Card/ Passport/ Driving Licence/ School leaving certificate/ Voter’s card/ BirthCertificate/ LIC policy (only for age Proof).
Address Proof Passport/ Telephone bill (BSNL/MTNL)/ Electricity bill/ Title deed of property/Rental agreement/ Driving license/ Election ID card/ Photo-credit card (with last two month statements)
Income Proof Latest salary slip/current dated salary Certificate with latest form 16
Job Continuity Proof Form 16/relieving letter/appointment Letter (for last two months)
Banking History Bank statements of latest 2 months/ 3 months bank passbook

Other Products from HDFC

Disclaimer : Please note that the interest rates and eligibility criteria given here are based on the market research. To enable the comparisons certain set of data has been reorganized / restructured / tabulated .Users are advised to recheck the same with the individual companies / organizations. This site does not take any responsibility for any sudden / uninformed changes in interest rates.