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HDFC Personal Loan

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Loan Disbursal in 10 seconds

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Fully Digital Borrowing Process

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End-to-End Expert Assistance

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Highest Approval Chances

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4.2/5

2839 Reviews

51M+Satisfied Customers
65+Lending Partners
800+Cities across India

About HDFC Personal Loan

  • HDFC Bank offers personal loans at competitive rates to meet personal financial requirements.
  • HDFC Bank's deep integration with Paisabazaar is an industry first integration between a leading Bank and a loan service providing platform.
  • Select existing HDFC Bank customers can now avail instant personal loans in 10 seconds on Paisabazaar, powered by automated decisioning basis real-time data analysis.
  • Consumers can experience a fully digital, end-to-end personal loan journey on the Paisabazaar platform.
  • Applicants can avail a loan amount of up to Rs. 25 lakh for a tenure of up to 6 years.
  • The loan approval depends on the repayment capacity and creditworthiness of the applicant.
  • These loans can be availed for weddings, vacations, medical emergencies, etc.
  • New-to-bank customers can also seamlessly complete their entire digital journey supported by secure APIs and digital verification on Paisabazaar.

Find Best Personal Loan Offers

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HDFC Bank
10 Second Disbursal*100% Digital Process*Quick Disbursal
Max. Loan Amt.Upto ₹25L
Rate of Interest9.99% - 12.5%
Tenure upto1-5 Years
Processing Fee₹ 6,500
Axis Bank
Low Processing fee
Max. Loan Amt.Upto ₹25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
Kotak Mahindra Bank
Lowest Income requirement100% Digital Process*
Max. Loan Amt.Upto ₹25L
Rate of Interest9.98% - 17.2%
Tenure upto1-5 Years
Processing Fee1.1% - 1.5%

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End-to-End Digital Process

How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

HDFC Bank Personal Loan Interest Rates

HDFC personal loan interest rates start from 9.99% p.a. onwards. The final interest rates offered to the loan applicant will vary based on the credit score, monthly income, job profile, employer’s profile, etc., of the loan applicant.

Minimum Interest Rate 9.99% p.a.
Maximum Interest Rate 24.00% p.a.

Why Choose HDFC Bank Personal Loan

  • Paperless Personal Loan: The applicants can get instant funds through Xpress Personal Loan with a 100% digital process.
  • Pre-Approved Offer: The bank provides pre-approved personal loan offers to its eligible customers.
  • Minimum Paperwork: The loan application process requires less paperwork, especially for existing HDFC Bank customers.
  • Quick Disbursal: HDFC claims to disburse personal loans within 10 seconds to its select customers.
  • Balance Transfer Facility: Borrowers can transfer their personal loans to HDFC Bank at lower interest rates and better terms.

Why Apply for HDFC Bank Personal Loan via Paisabazaar?

  • You can easily compare HDFC Bank’s personal loan offers with other lenders to make an informed borrowing decision.
  • Check your personal loan eligibility, ensuring you apply for loans you’re most likely to get approved for.
  • The loan application process is end-to-end digital with minimal documentation..
  • Free credit score check, which helps you understand your loan eligibility.
  • Get end-to-end support, from application to disbursal, ensuring a smooth borrowing experience.

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HDFC Bank Personal Loan Processing Fees and Charges

HDFC Bank levies the following fees and charges on personal loans:-

Particulars Charges
Processing Charges Up to Rs. 6,500
Stamp Duty and other statutory charges As per the laws of the state
Legal/Incidental Charges At actuals
Amortization Schedule Charges Rs. 50 per schedule for a physical copyBorrowers can also download it from the bank’s website free of cost.
Repayment mode change charges Rs. 500
Loan Cancellation Charges Loan cancellation is allowed during the cooling-off period from the date of the loan disbursement. The interest charged from the disbursement date till the loan cancellation date will be the borne by the borrower
Rebooking Charges Rs. 1,000 plus taxes
Delayed instalment payment charge 1.50% per month (18% p.a.) plus taxes on overdue instalment amount. The charge will be applicable for all accounts where EMI remains unpaid after the expiry of the grace period of 7 calendar days from the due date of the EMI
Pre-payment in Part/Full Part-payment allowed up to 25% of Principal outstanding. It is allowed once in the financial year and twice during the loan tenure.
Pre-payment Charges on Principal Outstanding/Part Payment Charges Salaried:Up to 24 EMI – 4% of outstanding principalPost 24-36 EMI – 3% of outstanding principalAbove 36 EMI- 2% of outstanding principal

Also Read: HDFC Bank Personal Loan Terms and Conditions

Types of HDFC Personal Loan

Marriage Loan

Purpose: Consumers can avail themselves of a Marriage Loan from HDFC Bank to meet their wedding-related expenses, such as decorations, wedding outfits, catering, etc.

Loan Amount: Rs. 50,000-Rs. 40 lakh

Tenure: Up to 6 years

Loan for Salaried Employees

Purpose: Salaried individuals can avail a Loan for Salaried Employees from HDFC Bank to meet their personal requirements. Existing HDFC Bank customers or HDFC Bank salary account holders are offered competitive interest rates depending on their credit profile.

Loan Amount: Rs. 50,000-Rs. 40 lakh

Tenure: Up to 6 years

Medical Emergency Loan

Purpose: HDFC Bank offers Medical Emergency Loan to overcome any financial crisis related to medical emergency.

Loan Amount: Rs. 50,000-Rs. 40 lakh

Tenure: Up to 6 years

Golden Edge Personal Loan for Elite Customers

Purpose: Golden Edge Personal Loan is a premium loan product offered to individuals having a net monthly income of Rs. 75,000 to fulfil their personal financial needs.

Loan Amount: Rs. 10 lakh-Rs. 40 lakh

Tenure: Up to 6 years

Loan for Women

Purpose: HDFC Bank offers loans for women to fund their personal financial needs with easy application, instant approval and quick loan disbursal.

Loan Amount: Rs. 50,000-Rs. 40 lakh

Tenure: Up to 6 years

Loan for Home Renovation

Purpose: Prospective personal loan borrowers can avail a Loan for Home Renovation from HDFC Bank for kitchen remodelling, furniture replacement, etc.

Loan Amount: Rs. 50,000-Rs. 40 lakh

Tenure: Up to 6 years

Personal Loan for Government Employees

Purpose: HDFC Bank offers special personal loans to government employees to cater to their personal financial needs.

Loan Amount: Rs. 50,000-Rs. 40 lakh

Tenure: Up to 6 years

Loan for Travel

Purpose: Individuals planning for a vacation can also avail themselves of  a Travel Loan through HDFC Bank to meet their travel-related expenses, such as

Loan Amount: Rs. 50,000-Rs. 40 lakh

Tenure: Up to 6 years

Personal Loan Balance Transfer

Purpose: HDFC Bank Personal Loan Balance Transfer facility allows the existing personal loan borrowers of other banks and NBFCs to transfer their existing loan account to HDFC Bank at lower interest rates.

Xpress Personal Loan

Purpose: HDFC Bank Xpress Personal Loan is an instant digital personal loan offered to meet the urgent personal requirements of individuals.

Loan Amount: Rs. 50,000-Rs. 40 lakh

Tenure: Up to 6 years

Eligibility Criteria of Applicants Availing HDFC Personal Loan

  • The minimum age of the applicant at the time of loan application should be 21 years and the maximum age at the time of loan maturity should be 60 years.
  • Employees of private limited companies and public sector undertakings are eligible for HDFC Personal Loan.
  • To avail HDFC Personal Loan, the minimum monthly income of applicants having a salary account with HDFC Bank should be Rs. 25,000. However, the minimum monthly income of applicants not having a salary account with the bank should be Rs. 50,000.
  • Applicants should have a total work experience of 2 years with atleast in the current organization.

Eligibility Criteria for Golden Edge Personal Loan

  • Employees of private limited companies and public sector undertakings are eligible for HDFC Golden Edge Personal Loan
  • Applicant should be 21 years old at the time of loan application and 60 years old at the time of loan maturity.
  • The minimum monthly income requirement for availing HDFC Golden Edge Personal Loan is Rs 75,000.
  • Individuals having a total work experience of minimum 2 years and an experience of at least 1 year with the current employer can avail Golden Edge Personal Loan.

Documents Required

HDFC Bank requires the following documents during the loan application process.

  • ID Proof (Aadhaar card/driving license/voter ID/passport)
  • Address Proof (Aadhaar card/driving license/voter ID/passport)
  • Bank statement for past 3 months (updated passbook for last 6 months)
  • Latest salary slips/latest salary certificate with Form 16

For Golden Edge Personal Loan

  • Photo ID Proof and address proof
  • Company ID card
  • Copy of PAN card
  • Salary slip of preceding 3 months
  • Salary account statement for last 3 months
  • Form 16 of previous financial year

How to Apply for HDFC Bank Personal Loan through Paisabazaar App

  • Download ad login to Paisabazaar app.
  • Click on personal loans and fill in the required details.
  • View curated offers along with their interest rates, processing time, fees and charges, documents required, etc.
  • Check for HDFC Bank and apply.

Personal Loan Balance Transfer to HDFC Bank

Personal loan borrowers can lower their monthly outgo by transferring their personal loan balance to HDFC Bank at better terms and lower interest rates.

Key Features:

  • Interest Rates starting from 9.99% p.a. on balance transfers.
  • The facility is applicable for applicants with Net Take Home Salary (NTH) above Rs. 50,000.
  • Flat Processing Fee starting at Rs. 6,500 plus GST
  • Simplified process with minimal documentation and quick approval

How to apply for HDFC Instant Personal Loans

HDFC Bank offers instant personal loan only to its pre-approved existing customers based on their credit profile. Such eligible customers can apply for instant personal loans through the official website of HDFC Bank or HDFC mobile app without any documentation. Existing customers of HDFC Bank can also visit Paisabazaar.com to check their eligibility for HDFC pre-approved instant personal loans and apply accordingly.

HDFC Personal Loan vs Other Personal Loan Lenders

Name of Lender Interest rate

(p.a %)
HDFC Bank 9.99 onwards
Tata Capital 10.99 onwards
State Bank of India 10.05-15.05
ICICI Bank 10.45 onwards
Bank of Baroda 10.40-18.10
Axis Bank 9.99 onwards
Kotak Mahindra Bank 10.99 onwards
Bank of India 11.10-16.15
Canara Bank 9.95-15.40
Punjab National Bank 10.50-17.05
HSBC Bank 9.99 onwards
Federal Bank 11.99 onwards
Union Bank of India 10.35-14.45
Bajaj Finserv 10.00-31.00
Punjab & Sind Bank 9.85-14.10
Indian Overseas Bank 10.50 onwards
UCO Bank 10.20-13.45
IDFC FIRST Bank 9.99 onwards
Bank of Maharashtra 9.00-13.80
Central Bank of India 9.90-11.80
IndusInd Bank 10.49 onwards

*As on 19th November 2025

How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

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FAQs

The current interest rate for HDFC Bank Personal Loan starts from 9.99% p.a. and may vary based on the applicant’s credit profile.

Applicants require salary proof for income verification with the latest form 16, bank statements of last 3 months, Voter ID/Aadhaar Card/Passport/Driving license for identity and address proof. For a pre-approved offer, no documents are required.

You can avail HDFC Bank Personal Loan either through the official website of HDFC Bank or by visiting the HDFC Bank branches. Alternatively, you can also visit Paisabazaar.com to apply for HDFC Bank Personal Loan.

You can download your personal loan statement through HDFC NetBanking, HDFC Mobile Banking App or by visiting the bank branch.

Your loan eligibility depends on factors like income, credit score, EMI/NMI ratio, etc and the minimum income criteria set by the lender. HDFC offers personal loan to those applicants having a minimum monthly income of Rs. 25,000.

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What our customers say

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The EMI calculator helped me choose the right repayment plan. Clear guidance at every step made the loan process really easy.

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Loved the real-time loan status updates.Everything was handled online — didn’t have to visit any branch.

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