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Housing Development Finance Corporation (HDFC)

HDFC Personal Loan

HDFC Bank Personal Loan is designed to fulfil your diverse monetary needs easily and quickly, making it one of the best credit options. A Personal Loan is ideal for funding planned events, such as marriages, vacations & home renovation or unplanned ones, like emergency medical procedures. The best part is that you can get an HDFC Bank Personal Loan quickly through an end to end online process for your every need.

Here are some of the best features of HDFC Bank Personal Loan:

  • Competitive interest rates to make loans more affordable

  • Loan up to Rs.40 Lakh

  • Flexible tenure of up to 5 years

  • Minimal processing fee

  • Minimal documentation requirement

  • No Paperwork & 10 seconds disbursals for select Pre-approved HDFC Bank customers

  • Quick loan approvals and disbursals for new customers

Personal Loan Features

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

Personal loan fees and charges

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:

  1. Credit Shield Cover equal to the outstanding loan amount

  2. Accidental Hospitalisation cover of up to ₹ 8 Lakhs*

  3. 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.

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)

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 10.40%* on the existing loan transfer

  • Flat Processing fess starting at Rs 3,999/- (+ GST)

  • To transfer your loan balance, apply now.

Personal Loan Eligibility


  • The following people are eligible to apply for a Personal Loan:

  • Employees of private limited companies, employees from public sector undertakings, including central, state and local bodies

  • Individuals between 21 and 60 years of age

  • Individuals who have had a job for at least 2 years, with a minimum of 1 year with the current employer

  • Those who earn a minimum of 25,000 net income per month.

Personal Loan Interest Rates & Charges
  • Senior Citizen Customers are eligible for discount of 10% on all service charges

Charges to avail a Personal Loan

Government taxes and other levies as applicable will be charged over and above the Fee and Charges. Loan disbursal at the sole discretion of HDFC Bank Ltd.

Fee & Amount to be paid

Fee & Amount to be paid

Fee & Amount to be paid

Personal Loan Documentation

Documents required

  • Identity proof / address proof (copy of passport/voter ID card/driving license/Aadhaar Card)

  • Bank statement of previous 3 months (Passbook of previous 6 months)

  • Two latest salary slip/current dated salary certificate with the latest Form 16

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