|Purpose||All personal expenses including travel, medical emergencies, education, wedding, and travel.|
|Loan Quantum||Up to Rs.25 Lakhs|
|Minimum income required||Rs.25000 per month|
|Repayment tenure||Up to 60 months|
|Processing Fees||Up to 2.5% of the loan amount|
|Prepayment Charges||2%-4% of the principal amount outstanding|
HDFC customers can get pre-approved HDFC Personal Loan in just 10 seconds and regular loans in under 4 hours
HDFC personal loans are one of the best funding options available in the market right now to finance all your personal as well as business requirements. Find out the updated HDFC personal loan interest rate 2021 and apply online instantly for the loan. HDFC Bank personal loan interest rates are affordable and that result in lower EMIs. The current HDFC personal loan interest rate starts from as low as 10.50% p.a., depending on the borrower’s credit score, income, age, loan amount and other eligibility factors.
To apply for an HDFC Personal Loan, you just need to complete a few steps:
To check your HDFC personal loan application status online, you will have to follow the below-mentioned steps:
Calculating your HDFC Bank Personal Loan EMI is easy with HDFC Personal Loan EMI Calculator available on our website. MyMoneyMantra provides you with a free online EMI Calculator using which you can get the EMI details. The calculator also helps in assessment of your HDFC personal loan eligibility. You just have to enter a few details, such as the HDFC Personal Loan Interest Rate, loan amount, and tenure, to get the result.
MyMoneyMantra’s EMI Calculator gives you the complete amortization schedule.
Here’s an example:
|Loan amount required||Rs. 10 Lakhs|
|Tenure of repayment||5 years|
|Interest Rate applicable||10.50% p.a.|
|EMI to be paid each month||Rs. 21,494|
|Total interest outgo||Rs. 2,89,634|
|Total amount to be paid to the bank||Rs. 12,89,634|
Here’s the complete amortization schedule for the above illustration:
Amount Paid by
Customer in a Year
Interest Paid During
Principal Paid During
|1||Rs. 10,00,000||Rs. 1,28,963||Rs. 50,808||Rs. 78,156||Rs. 9,21,844|
|2||Rs. 9,21,844||Rs. 2,57,927||Rs. 88,808||Rs. 1,69,118||Rs. 7,52,726|
|3||Rs. 7,52,726||Rs. 2,57,927||Rs. 70,171||Rs. 1,87,756||Rs. 5,64,970|
|4||Rs. 5,64,970||Rs. 2,57,927||Rs. 49,480||Rs. 2,08,447||Rs. 3,56,523|
|5||Rs. 3,56,523||Rs. 2,57,927||Rs. 26,508||Rs. 2,31,419||Rs. 1,25,104|
|6||Rs. 1,25,104||Rs. 1,28,963||Rs. 3,859||Rs. 1,25,104||Rs. 0|
You can check your HDFC Personal Loan statement online easily by logging in to your account to check the details as per your preferred method.
If you have a personal loan account with HDFC Bank, you can check your statement through any one of the following methods:
The above methods can also be used for HDFC personal loan statement download.
After you successfully register for HDFC personal loan online, follow the steps mentioned below for HDFC personal loan login.
Steps for New Customers
Steps for Existing Customers
You can connect with HDFC Personal Loan Customer Care through following ways:
Toll-free Number : 1800 258 3838 (open from 8 a.m to 8 p.m on all days)
HDFC Bank Ltd., New Bldg, "A" Wing 2nd floor, 26-A Narayan Properties, Chandivali Farm Road, Off Saki Vihar Road, Chandivali, Andheri (East), Mumbai- 400 072
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If you are a pre-approved HDFC Bank customer, you can get a loan within 10 seconds. For others, here are a few simple steps to follow:
You can get HDFC Personal Loans within 4 hours if you fulfill all the eligibility criteria. Pre-approved loans are sanctioned within 10 seconds.
Post Dated Cheques or Security Cheques submitted for loan repayment but have not been encashed, will be retained by the HDFC Bank. If you wish to get your old Post Dated Cheques or Security Cheques back, you can request for the same at HDFC's Retail Loan Service Center/via Phone Banking/ through email within 45 days from the date of requesting a change in repayment mode.
You can pay your HDFC Finance Loan in EMIs through:
Yes, you can use MyMoneyMantra's or HDFC's online EMI Calculator to calculate how much EMI amount you need to pay.
Yes, if you have booked the loan on or after April 1, 2018, it is possible to prepay your Personal Loan after completion of 12 EMIs from the disbursement of the loan. However, part-payment is permitted only twice during loan tenure and once in a financial year. Also, each part-payment should not exceed 25% of the outstanding principal amount.
The additional charges are only applicable if:
Yes, HDFC offers pre-approved Personal Loan to its existing customers. They are eligible to get an instant Personal Loan within 10 seconds of application.
New customers can get a Personal Loan from HDFC in just 4 hours after successful application and approval.
You can avail up to Rs. 40 Lakhs as Personal Loan from HDFC, depending on your income, CIBIL score, and other eligibility factors.
Yes, with SarvSuraksha Pro, you can secure your Personal Loan repayment. The facility has the following key benefits:
You can pay the EMI on your HDFC Personal Loan using Electronic Clearing Services, Cheque Drop Boxes, or your net banking or phone banking account.