HDFC Personal Loan - Get Instant Loan Online
HDFC Bank Personal Loan gives you more freedom to enjoy yourself. HDFC Bank offers HDFC Instant Personal Loan @10.75 % p.a Interest Rate onwards.
You can avail HDFC Personal loan for all financial needs. Weather it’s planned events like weddings, vacations, home renovation, or unexpected emergencies such as medicals procedures, in all time HDFC Personal Loan stands with you.
Highlights of HDFC Personal Loan
Loan up to Rs. 40 Lakhs
Low Interest Rates
Minimal documents
Loan in 10 seconds
for Pre-approved
Transfer loan at Low EMI
Low Processing fees
HDFC Bank Personal Loan Features :
- Loan up to Rs. 40 Lakhs.
- Low Interest Rates starting with @10.75% to 24% p.a
- Interest on daily reducing balance.
- Low Processing Fees up to Rs. 4999 + GST.
- Flexible tenure from 03 months to 72 months.
- Minimum documents.
- Zero hidden charges.
- Gets fund in 10 seconds for Pre-approved.
- Other customers can avail within maximum working 4 days.
- Balance of transfer at Low Interest Rates.
- Insurance option available up to Rs. 8 Lakhs & Rs. 1 Lakhs.
- Provision for second loan.
- No security and no guarantor.
HDFC Personal Loan Eligibility
- Employee of private limited companies, employee form public sector undertakings, including central, state and local bodies.
- Age of Individuals between 21 years to 60 years.
- Working experience of at least 2 years with minimum 1 years of current employer.
- Net monthly income minimum Rs. 25000
- Better Credit History.
HDFC Personal Loan Documents
- 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).
- 2 latest salary slip / current dated salary certificate with the latest Form 16.
- Passport size photo.
HDFC Personal Loan Interest Rate
Fee & Charges
- Processing Fee – Up to Rs. 4,999 + GST
- Stamp Duty – As per applicable law of the state
- Interest Rate – Salaried 10.75% to 24%
- Delayed Installment – 10% plus applicable govt. taxes on Charges overdue installment amount. – 4% of principle outstanding (upto 24 EMI repayment)
- Pre-mature Closure – 3% of principle outstanding (upto 24 – 36 EMI repayment) – 2% of principle outstanding (post 36 EMI prepayment)
- Cheque Swiping Charge – Rs. 500 – 1st return : Rs. 450 + taxes
- Pre-mature Closure – 2nd return in a month : Rs. 500 + taxes EMI repayment) – from 3rd return onward : Rs. 550 + taxes
- Repayment Mode Change – Rs. 500
Personal Loan by Other Bank
SBI Personal Loan :-
Bandhan Bank Personal Loan :-
HDFC Personal Loan FAQs :
Q. What is the Repayment Tenure of HDFC Bank Personal Loan ? From 03 months to 72 months.
Q. How can I repayment my HDFC Personal Loan ? you pay the loan in equal monthly installment (EMIs) through ECS or a standing instruction to debit your HDFC Bank account with the EMI amount.
Q. What is the minimum Loan amount that can be take in HDFC Personal Loan ? If you become eligible for HDFC Personal Loan then you will have to take a minimum loan of Rs 50,000
Q. What is the maximum Loan amount that can be take in HDFC Personal Loan ? HDFC Bank can give maximum personal loan up to 40 lakhs to the customers.
Q. What is the CIBIL Score required to get a HDFC Loan ? A CIBIL Score is above 720 is considered good for sanctioning of personal loan.
Q. What is the eligibility criteria of HDFC Bank Personal Loan ? Employee of private limited companies, employee form public sector undertakings, including central, state and local bodies. Age of Individuals between 21 years to 60 years. Working experience of at least 2 years with minimum 1 years of current employer. Net monthly income minimum Rs. 25000 Better Credit History
Q. What will be my interest rate in HDFC Bank Loan ? HDFC Bank offers maximum Loan @ 10.75% to 24% of interest rates.
Q. Is there any stamp duty applicable for taking HDFC Personal Loan ? Stamp duty is levied by the Indian Government and its compulsory to be paid to the Government.
Q. Is there any option to get the processing fees waived ? The bank has to incur some costs while processing and sanctioning of loan and hence the processing fee is charged accordingly.
Q. How to check HDFC Personal Loan status ? You can check the status of your HDFC Personal Loan application by visiting the website of HDFC Bank. All you need to provide is the reference or proposal number along with the date of birth or mobile number.