In today's digital world, everyone looks for a convenient & hassle-free way to make payments online so as to avoid visiting the branches, be it for any utility bill payment, credit card payments, mobile recharges or paying their EMI’s. So, if one chooses to pay Loan EMI Online, for that even there are many options so as to clear your dues conveniently. HDFC Website has been made very user friendly, and you can easily use it while making the payment of your personal loan EMI. Now let us know how to pay Loan EMI online and its different methods.
How to Pay HDFC Personal Loan EMI through Netbanking?
Payment of HDFC Personal Loan EMI through Netbanking is a very convenient method to clear dues, especially if you have authenticated auto-debit option, which means allowing the bank to debit the EMI Amount on a particular date of the month. Now let us know the steps for how to pay HDFC Personal Loan EMI through Netbanking:-
Step 1:- Enter the Customer ID and IPIN that you have created after opening the HDFC Login page on your PC or Laptop.
Step 2:- After clicking on "Continue" and enter the captcha, tick on the box "please confirm your secure access image", press Login.
Step 3:- Once that you have logged in, go to the Loan Tab & choose the personal loan for which you have to make payment.
Step 4:- Enter the EMI amount and make the payment finally.
While making payment of HDFC Personal Loan EMI via Billdesk, there's no such requirement of having a Bank account with HDFC Bank. You can have an account with any bank to make payment of HDFC Personal Loan EMI.
Step 1:- Enter your Loan Number
Step 2:- Then enter your date of birth, which should be as per your Bank records.
Step 3:- After entering these details, one can make an EMI payment easily.
How to Pay HDFC Personal Loan EMI using a Mobile application?
HDFC Bank App is easily available on all Android & IOS Devices, i.e. on Google Play Store and Apple Play Store, respectively. Once you Log In by entering your Customer ID and password, go to the Payment Tab, and click on Personal Loan to pay Personal Loan EMI.
Other HDFC Personal Loan Online Payment Options:
HDFC Bank Personal Loan customers can also pay their EMI’s via:-
Paytm
Paytm offers a wide range of services, one of which is Loan EMI payment. Below mentioned are the steps to make payment of HDFC personal Loan EMI via Paytm:-
Step 1:- Go to the Loan repayment Tab on Paytm.
Step 2:- Choose HDFC Bank from the list of Banks available.
Step 3:- Enter your Loan Number and click on “Get Payable Amount”.
Step 4:- Then, finally make the payment by choosing the preferable mode of payment.
NEFT/ RTGS
For makingHDFC Personal Loan payment, NEFT / RTGS option can also be availed, but for that, one needs to have Bank Account in any other Bank apart from HDFC Bank.
How to Pay HDFC Personal Loan EMI Offline?
Cash
One can repay the entire loan in cash, provided each instalment is less than Rs 2 Lakh, which means that one can repay the Loan EMI amount in cash if it is less than 2 lakhs.
Cheque/Draft
For making payment of HDFC Bank personal loan EMI, the option of Cheques and drafts can also be used. They should be drawn in favour of HDFC Bank.
Standing Instruction/NACH Mandate
Nowadays, there’s a method that is in demand, i.e. making automatic EMI payment directly from your bank account by giving the Standing Instruction (SI) or National Automated Clearing House (NACH) mandate. One can do this by filling a form and then submitting it to the bank. It will enable the bank to auto to deduct EMI from the HDFC Bank or any other bank account on the due date. Also, one can register for the e-NACH mandate option of which is available on the HDFC Bank Website.
How to check HDFC Personal loan statement?
To check the HDFC Personal Loan statement, one needs to follow the steps mentioned below:-
Step 2:- Go to the Loan Tabs and then select ‘Register New Loan’.
Step 3:- Enter the details as asked and Click on ‘submit’.
Step 4:- Once you receive an OTP on your registered mobile number, enter it to complete the registration process.
HDFC Customer Care for Personal Loan Repayment Related Issues
For any queries, issues or complaints with respect to personal loans and their repayments, one can contact the bank's customer care department between 8.00 am and 8.00 pm on all days (including Sundays). Below mentioned are the HDFC Bank Personal Loan customer care phone numbers for various cities:
City
HDFC Personal Loan Customer Care Number
Ahmedabad
(079)61606161
Bangalore
(080)61606161
Chandigarh
(0172)6160616
Chennai
(044)61606161
Cochin
(0484)6160616
Delhi and NCR
(011)61606161
Hyderabad
(040)61606161
Indore
(0731)6160616
Jaipur
(0141)6160616
Kolkata
(033)61606161
Lucknow
(0522)6160616
Mumbai
(022)61606161
Pune
(020)61606161
FAQs
Yes, you can opt for the HDFC Loan Payment Online UPI method for HDFC loan EMI payment.
HDFC Bank usually does not allow complete closure of a personal loan in advance. However, it allows us to make part payment of the loan, which can be done at least 12 months after the first EMI & cannot exceed 25 per cent of the total principal outstanding.
Failing to pay EMI on the due date adversely affects the credit score. Also, the bank will charge penal interest at the rate of 2% per month on the outstanding principal amount till the time payment is made.
Late payment of EMI on a Personal Loan will attract Late Payment Charges, which are as follows:
Overdue EMI interest: 2% of the loan principal amount is overdue per month
Cheque Bounce Charges: Rs. 550 per instance of cheque bounce
Updated On May 6, 2026
Written By
Written By Priyanka JainContent WriterLoans & Credit Cards
Priyanka Jain is a seasoned Omni-channel content specialist, recognized as ‘top 50 content marketing professional-2019’ by World Marketing Congress, CMO. She is an enthusiastic personal finance blogger and writes actively on credit rating, loans, credit cards, insurance, and mutual funds. At MyMoneyMantra, she supports MMM’s core vision to simplify credit decisions and spread financial literacy.
