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HDFC Personal Loan

Get instant approval on your online Personal Loan at the lowest interest rates through IndiaLends. Find the best offers for yourself at IndiaLends. Whether you are salaried or self-employed, we provide personal loans starting from 10.99%. Get HDFC Personal Loans for whatever you need the money - a medical emergency, wedding, travelling, purchase of consumer durables, home renovation, buying a property, etc.

Apply HDFC Personal Loan

Please enter your NamePlease enter your full Name
Please enter a valid email address
Please enter a valid mobile number
Please enter a valid Residence Pincode
Please select your Employment Type
Please enter a valid Company Name
Please answer the above question
Minimum salary of Rs 10,000 is requiredMinimum annual income of Rs. 1.2 Lakh is requiredMinimum turnover of Rs. 1.2 Lakh is required
Please accept the terms & conditions

Why Choose HDFC Bank Personal Loan?

You can benefit from the attractive rate of interest and several other product features. Here are a few reasons for choosing HDFC Bank for a personal loan.

  • Affordable and Flexible Interest Rates
  • Special interest rates for women borrowers
  • Fast loan approval
  • Easy documentation process and 100% transparency
  • Maximum loan up to Rs. 25 lakhs for salaried individuals
  • Flexible repayment options, ranging from 12 to 60 months
  • Zero hidden charges and low processing fee
  • Convenient repayment options
  • Fast disbursal with money in your account within 2 days

HDFC Personal Loan Status

You can Check the HDFC Personal Loan Status of your application via official website of HDFC bank and click on TRACK MY APPLICATION

Enter the following details:

  • Name of the Applicant
  • his/her date of Birth
  • Loan Reference number

After entered all the details, you can check HDFC Personal Loan Status

HDFC Bank Personal Loan Interest Rate

Check HDFC Personal Loan Interest rates in 2018 and Apply with in 2 Minute for HDFC Personal Loans with the lowest Interest rates.

Salaried Individual

Loan Amount

Starting From Rs. 50,000 up to Rs. 25 lakhs

Interest Rate

10.99% - 20.00%

Loan Tenure

12 to 60 months

Processing Fee

2.50%, Minimum Rs. 1,000 Maximum Rs. 25,000

Foreclosure Charges

Allowed after 12 EMIs, Prepayment charges vary by year: 2nd year - 4%; 3rd year - 3%, after 3 years - 2%


21 years up to 60 years

HDFC Bank Personal Loan Features

HDFC offers a wide variety of financial products and services. HDFC Bank personal loan is one of the key offerings of the bank which is very popular. During its long tenure of 21 years, the bank has won the trust of customers. Being one of the oldest banks with sustained growth, HDFC has become a preferred financial service provider. It has customized personal loan offers to fulfill all your financial needs.

HDFC loan offers are equipped with several attractive features that lure customers. They are meant to provide you the maximum value when you avail a loan. Some of the salient features of HDFC Bank Personal loan are given below.

Competitive Interest rate

HDFC Bank offers attractive interest rates for its customers and people, in general. The interest rate starts from 10.99% and goes up to 20% depending on the credit score of applicants.

Specialized loan offers for working women

With its Personal Loan Diva offer, HDFC Bank provides a special loan scheme to women employees. 100+ Diva offers are available for working women to achieve their needs and goals. They can take a pre-approved personal loan upto Rs. 3 lakh. The procedure to avail this offer is very simple - you just need to intimate the bank through a call or email. After that, a unique Diva number is generated and sent to your email id. You need to verify the product code and follow further procedures to avail the offer.

Efficient Customer Support

You can take advantage of an efficient customer support throughout the lending procedure. You can contact the customer desk of the bank through a call, SMS, chat, click2talk. You don’t need to visit the bank physically as all the loan formalities can be completed online with ease.

Instant Calculators

You can get a clear idea of what amount of personal loan you can avail by using the HDFC bank eligibility calculator. Further, EMI calculator is a great tool to calculate your affordability and plan the repayment of your loan. You just need to fill in the loan amount, interest rate, and loan term while using the calculator and it will depict the exact monthly EMI.

Easy and Fast Personal loan

You can get a quick personal loan through a fast processing system. You can visit our website to check your eligibility and complete the documentation and other formalities. It is an easy and quick process.

Insurance Cover

You get an insurance cover along with your personal finance scheme for a nominal premium. It provides you an accidental cover up to Rs. 8 lakh. In addition, you also get covered for a critical illness up to Rs. 1 lakh.

Special Offers for HDFC Bank Customers

If you have an account in HDFC Bank, you are eligible for special offers and interest rates. The bank has several attractive offers exclusively for its own customers.

Online loan application

You can save your time and money by utilizing the online services of IndiaLends. In fact, you can complete the entire loan procedure online without visiting an HDFC branch.

Personal Loan Balance Transfer

If you already have a personal loan, you can transfer it to your HDFC bank account to get a lower interest rate. Further, you also get exclusive offers and benefits when you transfer your loan.

HDFC Bank Personal Loan Fees & Charges

Loan Processing Fees Up to 2.50% of loan amount, Rs 1,000 to 25,000
Pre-payment Charges 4% of principal outstanding - 13 to 24 months,
3% of principal outstanding – 25 to 36 months
2% of principal outstanding - >36 months
Penalty for late EMI payment 24% per year on outstanding amount From default date
Eligibility Criteria

HDFC Bank Personal Loan Eligibility Criteria

HDFC bank has laid down several terms and conditions for an individual’s personal loan eligibility. They are as follows:


HDFC offers Personal Loans to individuals who are atleast 21 years old at the time of loan approval and maximum 60 years at the time of loan maturity.


HDFC Bank Personal loan eligibility depends upon your employment type. HDFC Bank Personal Loans are given to professionals and salaried Employees. People who are working as a CA, Doctor or on any other profile can get a loan. Moreover, employees of private and public sectors are also eligible for a personal loan.


Job stability is important to get a Personal Loan from HDFC Bank. You should have at least 2 years of work experience and minimum of 1 year in the current job.


For being eligible for a HDFC Personal Loan, your minimum in hand salary should be Rs. 18,000. In many cities (Mumbai, Delhi, Bangalore, Chennai, Hyderabad, Pune, Calcutta, Ahmedabad and Cochin) the minimum salary requirement for a personal loan is Rs. 18,000.


HDFC personal loan emi calculator provides EMI for Personal Loan in 3 EASY Steps. Check Yearly and Monthly EMI's via HDFC personal loan eligibility calculator

HDFC Bank Personal Loans Documents Required

HDFC Bank requires a set of documents for authentication purposes for your personal loan.

Complete online Loan Application

Fill it up online within two minutes

Identity Proof

Voter Id Card/Passport/Driving License/Aadhar Card

Address Proof

Aadhar Card/ Passport/ Telephone or Electricity bill/ Ration Card/ Rental Agreement

Bank statement

Bank statement of last 3 months or bank passbook of 6 months

Salary Slip

Salary slip of the last 3 months with Form 16

Documents Required

Why Should You Apply for HDFC Personal Loans at IndiaLends?

HDFC Bank has collaborated exclusively with IndiaLends, an online marketplace which offers low-interest personal loans best suited for your needs. If you are seeking a Personal Loan with HDFC Bank, you can simply fill up an online loan application form after checking your HDFC Bank Personal Loan Eligibility. Moreover, you can use an online Personal Loan EMI calculator available at our website to calculate your affordability.

Personalised Loan Offers

At IndiaLends, you can receive personalised loan offers and best deals at the best rate of interest. This is due to a tie-up with HDFC Bank, which helps you get the best deal on your personal loan as per your profile.

Instant Approval

You will get an instant approval on your personal loan after you fill in an easy online application form.

Cash within 2 days

Soon after the loan is approved, the funds are transferred right into the borrower’s bank account within two working days. Thus, we need no room for delay.

Real Time Tracking Facility

After submission of your loan application at IndiaLends, you can track your application online and moreover, will receive updates of your submitted application form using both email and SMS.

Dedicated Customer Support

IndiaLends has a dedicated customer support team and helpline which is always ready to help with any grievances or questions from loan applicants.

HDFC Personal Loan Top Up

If you need extra cash in addition to the personal loan amount, you can avail a top up loan on existing personal loan. If you have not missed any EMI of your HDFC Personal loan, you are eligible for top up loan. You need to pay consolidated EMI for both existing as well as top up loan.

Here are some of the key features of HDFC personal loan top up facility:

  • Get HDFC Home Loan Top Up upto Rs. 50 Lac
  • Apply for Top Up after 12 months of final disbursement of your existing loan
  • Opt for balance transfer facility and get home loan top up on the same

How to Apply for HDFC Personal Loans at IndiaLends?

At IndiaLends, applying for a HDFC Personal Loan is a simple process.

Step 1

Fill up an online loan application form

Step 2

We will review your application and
give you a decision within minutes

Step 3

You will be receiving your Cash within few days

We will forward your loan application to your nearest HDFC Bank branch. You can also check the status of your loan application through SMS alerts as well as emails.

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