- Interest rate: 10% to 35% p.a.
- Loan amount: Up to Rs 20 Lakhs
- Loan tenure: 12 to 60 months
- Processing fee: Up to 5% of the loan amount + taxes
HDB Finance Personal Loan
HDB Financial Services offers personal loans of up to Rs 20 Lakhs at interest rates starting from 10% p.a. and for repayment tenures of up to 5 years. It offers personal loans to both salaried and self-employed professionals to meet their financial needs.It also offers New to Credit loans to borrowers with limited or zero credit history by using its borrower’s social profile to access their creditworthiness.The borrowers can avail personal loan online from HDB Financial Services ( HDBFS) by uploading a soft copy of their documents and fulfilling the eligibility criteria.

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Wide Choice
Curated offers from 30+ lenders

Quick Disbursal
Money in your account instantly

SmartMatch
Offers ranked according to eligibility

Digital Process
Hassle-free & paperless

Personal Loan EMI Calculator
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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
About HDB Personal Loan
HDB Personal Loan Interest Rates
HDB Financial Services offers personal loan at affordable interest rates of 10% to 35% p.a. based on the CIBIL score and other factors of an applicant’s credit profile. The final interest rates offered to the loan applicant for HDB Personal Loan would vary according to the monthly income, job profile, employer’s profile, etc. of the loan applicant.
HDB Personal Loan Fees and Charges
Application, Processing Fees and Prepayment and charges
Application fee | Nil |
Loan processing fee | Up to 5% |
Prepayment Charges | 4% of Principal Outstanding Amount |
Other Fees & Charges
Cheque/ECS Bounce Charges | Rs 600 |
Interest on late payment of EMI* | 3% |
Statement of Account Charges | Rs 500 |
Document Retrieval Charges | Rs 750 |
Loan Cancellation Charges | Rs. 1000 |
Copy of Sanction Letter | NA |
Installment Collection Charges | Rs 200 |
CERSAI Fees (per property) | Nil |
Delayed Installment Payment Charge | 30% |
PDC/ADC Swap Charge | Rs. 500 |
Note: The above charges are exclusive of GST. *Per month on Overdue EMI amount/Interest Amount
Types of HDB Personal Loans
Personal Loan for Salaried
Personal loan for Doctors
New to Credit Loan
- Purpose: HDB Financial Services offers New to Credit Loan to borrowers with limited or no credit history.
- Loan amount: Up to Rs 1.5 lakh
- Tenure: 6, 12 and 18 months
Micro-lending loan
HDB Personal Loan Eligibility Criteria
Personal loan for salaried individuals
Personal loan for self-employed professionals
Personal loan for self-employed non-professionals
Personal loan for self-employed individuals owning partnership firms and private companies
For Doctor’s Loan
For micro-lending loan
Documents required for HDB Personal Loan
For salaried individuals
For self-employed professionals
For self-employed non-professionals
For self-employed individuals owning partnership firms and private companies
Required Additional Documents for Private Limited Companies
For Doctor’s Loan
For Micro-lending Loan
For borrower:
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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*Applicable for selected customers