HDB Finance Personal Loan

• HDB Financial Services offers personal loans at competitive interest rates to meet various planned and unplanned expenses.
• These collateral-free loans come with flexible repayment tenures which makes borrowing simple and stress-free.
• Minimal documentation, fast processing and swift disbursal of funds makes the entire process of borrowing from HDB Finance seamless.
• Consumers can also avail a top-up on their HDB Finance personal loans based on their repayment history with the lender.
• Consumers having a personal loan with a different lender can also opt to transfer their personal loan to HDB Finance at a lower interest rate or better loan terms.

• 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

Last Updated on 15th April 2026

• Purpose: HDB Financial Services offers personal Loan for salaried with quick documentation and instant loan approvals to renovate their home, purchase new gadgets, fund their child’s higher education, wedding or any other such need at short notice.
• Loan amount: Up to Rs 20 lakh
• Tenure: Up to 5 years

• Purpose: HDB Financial Services offers personal loan for doctors and medical practitioners can avail HDB Personal Loan for developing clinics, clinic-cum residences, nursing homes, pathological laboratories, purchasing ambulance, medical or diagnostic equipment, setting up operation theaters, office equipment (computers, fax air-conditioners, furniture, etc) expanding or renovating or modernizing existing medical facilities. Doctors and medical practitioners can also avail personal loan for doctors for working capital requirements including medicines stock.
• Tenure: Up to 5 years

• HDBFS offers micro-lending loans to households (individual family units meaning husband, wife and their unmarried children) having income of up to Rs 3 Lakhs. Members can get up to Rs 60,000 loan based on their loan cycle and eligibility.
• Borrowers can avail micro-lending loans only for income generating activities such as poultry, animal husbandry, fisheries, papad, vegetable vendor, small cottage industries, etc.
• Micro lending loan is based in JLG (Joint Liability Group) model where social collateral is required to avail loan from the organization. Except for disbursement, all activities in the micro-lending product is done at the member house of the village.
• HDBFS also provides insurance to the members and her husband till the loan tenure term. The loan amount is disbursed in the savings account of the borrowers in 3 days.

• Eligible individuals: Salaried doctors and CAs; employees of select public and private limited companies; government employees; and employees of public sector undertakings.
• Minimum age should be 21 years.
• Maximum age of borrowers at loan maturity should be 60 or retirement (whichever is earlier) and 65 years for government employees).
• The borrower should be minimum one year in employment with minimum one-month salary credit in their current organization.
• Minimum Net Monthly Income: Rs 20,000 for Metro Locations (Ahmedabad, Bangalore, Chennai, Delhi, Hyderabad, Kolkata, Mumbai & Pune) & Rs 15,000 for All Other Locations.

• Eligible individuals: Self-employed Doctors, Chartered Accountants, Architects and Company Secretaries.
• Minimum age of borrowers should be 22 years.
• Maximum age of applicants at loan maturity should be 65 years.
• The borrowers should also have a running self-employed business of minimum 3 years.
• Minimum annual income should be Rs 1 Lakh p.a for metro locations and Rs 75,000 for non-metro locations.

• Eligible individuals: Self-employed Sole proprietors and Directors and Partners in the business of trading, manufacturing or services.
• Minimum age of the borrowers should be 22 years.
• Maximum age of applicants at loan maturity should be 65 years.
• The borrowers should also have a running business of minimum 4 years with 2 years in the same business.
• Minimum annual income should be Rs 1 Lakh for metro locations and Rs 75,000 for non-metro locations.

• Minimum age of the borrowers should be 22 years.
• Maximum age of applicants at loan maturity should be 65 years.
• The borrower should have a minimum 4 years of business with 2 years in the same business.
• Minimum income for metropolitan cities should be Rs 1 Lakh per annum and Rs 75,000 for non-metro cities.
• The business of the borrowers should be making profit for the last 2 years.

• Maximum age: 65 years on date of sanction of loan.
• Minimum 4 years of post-qualification experience.
• Graduate Doctors (MBBS/BDS)/Post Graduate Doctors (MD/DM/MS/MCH/MDS)
• The borrower should own House/Clinic (Parental/own house in any location where HDBFS operates)

For micro-lending loan

• Proof of identity and address: Passport/voter ID/Driving license/PAN Card*/Adhaar or proof of possession of Aadhaar number (no voluntary basis)/Photo Image/Job card issued byu NREGA duly signed by a State Government Officer/Letter issues by National Population Register that contains details of name and address/Utility Bill (anything not more than two months old of any service provider—electricity, telephone, piped-gas, water bill)/registered Rental Agreement/Allotment Letter of Accommodation from employer/leave and license agreements with employers allotting official accommodation.
• Date of birth proof: Driving license/PAN Card/Birth certificate/10th/12th marksheet carrying date of birth.
• Latest bank statements/Bank passbook (updated within 90 days)
• Last 3 months salary slip with latest Form 16/ITR/Appointment letter.

• Identity and address proof: Passport/Voter ID/Driving License/PAN Card*/Aadhaar Card or Proof of Aadhaar number possession (on voluntary basis)/Utility bill (anything not more than two months old of any service provider—electricity, telephone, piped gas, water)/Registered Rental Agreement/Allotment letter of accommodation from employer/leave and license agreements with employers allotting official accommodation.
• Date of birth proof: Driving License/PAN Card*/Passport copy/Birth Certificate/ 10th/12th marksheet stating date of birth.
• Latest bank statements/Bank passbook which is updated within 90 days.
• Latest ITR with income computation, B/S and P&L account for the last 2 years certified by a CA.

• Address and Identity Proof: Passport/Voter ID/Driving License/PAN Card* of the Proprietorship Firm and Proprietor/Aadhaar Card of Proof of possession of Aadhaar number (on voluntary basis)/Photo/Utility bill (anything which is not more than 2 months old of any service provider—electricity, telephone, piped gas, water bill)/Registered Rental Agreement/Allotment letter of accommodation allotment from employer/leave and license agreement with employers allotting official accommodation/Registration Certificate.
• Date of birth proof: Driving License/PAN Card/Passport Copy/Birth Certificate/10th/12th marksheet stating date of birth.
• Latest bank statements/Bank passbook which is updated within 90 days.
• Latest ITR with computation of income, B/S and P&L account for the last 2 years certified by a CA.
• Proof of continuation: Trade license/Establishment/Sales Tax Certificate
• Other Mandatory Documents—for proprietorship concern, any two documents should be obtained (registration certificate, certificate or license issued by the municipal authorities under Shop and Establishment Act, Sales and Income Tax returns, CST/VAT/GST certificate (provisional/final), Certificate/registration document issued by Sales Tax/Service Tax/Professional Tax Authorities, IEC (Importer Exporter Code) issues to the proprietary concern by a professional body incorporated under a statute, Complete Income Tax Return (not just the acknowledgement) in the name of the sole proprietor where the income of the firm is reflected, duly authenticated or acknowledged by the Income Tax authorities, Utility bills—electricity, water and landline telephone bills.)

• Identity and address proof: Passport/Voter ID/Driving License and PAN Card* of all Partners/Directors/each authorized signatory/Aadhaar Card of Proof of possession of Aadhaar number(on voluntary basis)/Photo/Utility Bill(anything which is not more than 2 months old of any service provider–electricity, telephone, post-paid mobile phone, piped gas, water bill)/Registered Rental Agreement/Allotment Letter of Accommodation from employer/leave and license agreements with employers allotting official accommodation.
• Date of birth proof: Driving License/PAN Card/Passport Copy/Birth Certificate/10th/ 12th marksheet stating date of birth.
• PAN Card of the Private Limited Company or Partnership Firm is mandatory.
• Registration certificate of Partnership firm.
• Latest bank statements or bank passbook updated within 90 days.
• Power of attorney granted to a partner, managers, officers or an employee of the firm or a company to transact business on its behalf.
• Complete Income Tax Return (not just the acknowledgement) in the name of the Partnership Firm where the firm’s income is reflected, duly authenticated or acknowledged by Income Tax Authorities.
• Proof of continuation: Trade License/establishment/Sales Tax Certificate/SSI Registration.
• Other mandatory documents: Sole Prop. Decl. or Cert. copy of Partnership Deed (to be verified against original), Certified true copy of Memorandum and Articles of Association (certified by director) and Board resolution (original).

• Certified copy of Certificate of Incorporation and an updated Memorandum and Articles of Association (certified by Company Secretary or Director).
• Certified Copy of Resolution of the Board of Directors to open an account and identification of those who have authority to operate the account duly signed by two directors or a company secretary.
• Form 32/DIR 12 duly filed with Registrar of Companies—only in cases where the list of directors is is not original subscriber to MOA and AOA, and
• Certified copy of the Form 18/ INC 22 filed with the Registrar of Companies—only in cases where the address is different from the document listed in (a).

• Income Documents – ITR for last 2 years
• Education qualification certificates
• Identity proof & Permanent Address proof
• Property ownership proof( either office / residence).
• Medical Registration Certification

• Identity Proof: Voter ID or PAN Card
• Current residential proof: Voter ID or Aadhaar card with aadhaar masking feature.
• Bank passbook
• 2 recent passport size photographs