HDFC Bank Personal Loan

Personal Loan at 9.99%*

Apply & Get Instant Approval


HDFC Bank Personal Loan Features

Eligibility Criteria Details
HDFC Bank Personal Loan Interest Rate 9.99% p.a.
Lowest EMI per lakh Rs 2124
Tenure 12 to 60 months
HDFC Bank Personal Loan Processing Fee 1% to 2% of Loan Amount
Prepayment Charges Allowed after 12 Months (2 – 4 %)
Part Payment Charges Allowed after 12 Months (2 – 4 %) 
Min Loan Amt ₹ 50,000
Max Loan Amt ₹ 75 Lakh

Why HDFC Bank Personal Loan

Hard times are unpredictable and can be faced by anybody. In that case, it is difficult to arrange cash and difficult to ask for money from relatives. Now overcome your crises without any difficulty or borrowing from any of your friends or relatives. HDFC Bank Personal Loan is here to solve all your problems and help you in your difficult times.


  1. Minimal paperwork
  2. Guidance throughout the process, making process hassle-free
  3. Doorstep service at your comfort
  4. Simplified documentation
  5. Flexible repayment options
  6. Apply Online and Get Quick Approval
  7. Loan disbursal in 72 hours after submission of documents
  8. Check your Personal Loan Eligibility.

HDFC Bank Personal Loan Eligibility

For Salaried Individuals

Criteria* Salaried
Age 22 years – 65 years.
Monthly Salery Salaried individuals with minimum monthly income Rs.15,000 (Rs.20,000 for applicants residing in Mumbai & Delhi; Rs.18,000 for applicants residing in Chennai, Hyderabad, Bangalore, Pune & Kolkata; For Others Rs. 12,000)
Total years in job/profession 2 Years
Years in current residence 1 Year (One Day if in a Super A Company)

For Self Employed Individuals

Criteria* Self Employed
Age 23 years (self-employed individuals) and 25 years (for doctors); Maximum age – 65 years
Minimum Turnover Rs. 40 lakh for non-professionals; Rs. 15 lac for professionals; as per audited financials
Minimum Profit After Tax Rs. 2 lac for Proprietorship Firm/Self-employed Individuals and Rs. 1 lac for non-professionals as per audited financials
Business Stability In current business for at least 5 years and a minimum of 3 years for doctors
Existing relationship with the bank Minimum 1-year liability relationship (current or savings account) or Asset relationship (loan) either live or closed in the last 36 months; repayment track as required


HDFC Bank Personal Loan Documents

List of documents for Salaried

  1. Proof of Identity:- Passport / Driving License / Voters ID / PAN Card (anyone)
  2. Proof of Residence:- Leave and License Agreement / Utility Bill (not more than 3 months old) / Passport (anyone).
  3. Latest 3 Months Bank Statement (where salary/income is credited).
  4. Salary slips for the last 3 months.
  5. 2 Passport Size photographs.
  6. List of documents for Self-Employed

KYC Documents: Proof of Identity; Address proof; DOB proof.

  1. Proof of Residence:- Leave and License Agreement / Utility Bill (not more than 3 months old) / Passport (anyone).
  2. Income proof (audited financials for the last two years).Latest 6 Months Bank statement.
  3. Office address proof.
  4. Proof of residence or office ownership.
  5. Proof of continuity of business.