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HDFC Bank Personal Loan 4.8/5

HDFC Bank Personal Loan

Interest Rate
10.50% - 16.50%
Loan Amount
Up to ₹ 40,00,000
Tenure
Up to 6 Yrs
Processing Fee
Up to ₹4,999 + GST
Apply on Official Portal
Direct official lender application

Calculate EMI for HDFC Bank Personal Loan

₹ 5,00,000
10.50%
3 Years
Monthly EMI
₹ 16,252
Total Interest Payable
₹ 85,072
Total Amount (P + I)
₹ 5,85,072

Key Loan Features & Benefits

Instant disbursal in 10 seconds for pre-approved customers; flexible repayment tenure up to 6 years.

Evaluation: Pros and Cons

Key Advantages
  • Instant loan disbursement for pre-approved accounts
  • Zero hidden charges
  • Minimal documentation process
Limitations
  • Processing fee applies
  • Prepayment charges applicable before 12 months

Eligibility & Documents Required

Who can apply?

Salaried individuals aged 21-60 years with minimum net monthly income of ₹25,000.

Paperwork Needed:

PAN Card, Aadhaar Card, Last 3 months salary slips, Last 6 months bank account statements.

Apply Directly with Bank

Check your pre-approved loan limit with zero impact on CIBIL score.

Check Eligibility & Apply
Last updated: August 2026. Interest rates depend on lender risk policies.