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HDFC Bank 1 Lakh Personal Loan

HDFC Bank offers personal loan of Rs 1 lakh @ 9.99% p.a. onwards. Individuals looking for a personal loan of Rs 1 lakh can visit Paisabazaar app and apply for HDFC Bank Personal Loan through Paisabazaar.

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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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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

Interest Rates for 1 Lakh Personal Loan from HDFC Bank

HDFC Bank offers personal loan interest rates starting from 9.99% p.a. onwards depending on the credit profile of the applicant. Below-mentioned are the interest rates offered to HDFC Bank personal loan applicants availing personal loan of Rs 1 lakh.

Minimum Interest Rate 9.99% p.a.
Maximum Interest Rate 12.50% p.a.

Fees and Charges for 1 Lakh Personal Loan from HDFC Bank

Particulars Charges
Processing Fee Up to Rs 6,500
Foreclosure Charges
  • Up to 24 EMIs- 4% of outstanding principal
  • 24-36 EMIs- 3% of outstanding principal
  • More than 36 EMIs- 2% of outstanding principal
Part-prepayment Allowed after 1st EMI, up to 25% of the outstanding principal
Amortization Schedule Charges Rs 50 per schedule
Repayment mode charges Rs 500
Payment Return Charges Rs 450

Eligibility Criteria for Individuals Availing 1 Lakh Personal Loan from HDFC Bank

Individuals planning to avail personal loan of Rs 1 lakh should meet the below-mentioned personal loan eligibility criteria:

  • 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, PSUs, including central, state and local bodies are eligible for 1 lakh personal loan from HDFC Bank
  • The minimum monthly income of eligible applicants should be Rs 25,000.
  • Applicants should have a minimum work experience of 2 years, with an experience of  atleast 1 year with the current employer.

Documents Required for HDFC Bank Personal Loan of Rs 1 Lakh

  • ID Proof- Aadhaar card, passport, driving license, PAN card, voter ID
  • Address Proof- Aadhar card, PAN card, driving license, passport
  • Salary slips for last 3 months
  • Bank statement for last 3 months

For pre-approved customers of HDFC Bank, no documentation is required since the lender already has their KYC details.

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EMI Calculation for Personal Loan of Rs 1 Lakh

Below-mentioned is the EMI calculation for personal loan of Rs 1 lakh offered @ 9.99% p.a. For different tenures. Applicants planning to avail a personal loan can use the personal loan EMI calculator available online to calculate the EMI and interest cost and plan their budget accordingly.

Loan Amount (Rs) Interest Rate (p.a.) Tenure EMI(Rs)
1,00,000 9.99% 1 year 8,791
1,00,000 9.99% 2 years 4,614
1,00,000 9.99% 3 years 3,226
1,00,000 9.99% 4 years 2,536
1,00,000 9.99% 5 years 2,124

Swipe to see more table data

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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What our customers say

Highly recommended platform

I applied for a personal loan for medical emergency through Paisabazaar and got amazing service like nowhere else. The team was extremely cooperative and followed up with me until I had my loan amount in my account. My loan was disbursed within 24 hours. It is indeed an excellent platform for taking loans.

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Sunil YadavOct 29, 2025

Instant loan disbursal

I applied for a personal loan through Paisabazaar and got my loan disbursed in no less than 24 hours. The team was extremely cooperative, guided me through the entire process and followed up with me until I had my loan amount in my account. I highly recommend this platform to everyone looking for an urgent loan.

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Neha JainOct 29, 2025

Excellent platform

Excellent platform for personal loan comparison! Their EMI calculator helped me pick the best tenure & my monthly emi.

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Manish KumarOct 23, 2025

Got personal loan instant

I was a medical emergency &amp; need funds instantly I applied for loan at Paisabazaar &amp; see I have a pre approved offers &amp; apply to it &amp; amount disbursed in 48 hours thanks to paisabazaar teams

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Mansi SharmaOct 17, 2025

Got loan yesterday

I got a loan of 2 lakh from Paisabazaar. Until now, I didn&#x27;t know that it was so easy to get loan through Paisabazaar. They helped me with all documents and process and my loan was sanctioned yesterday itself.

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Priyanka SharmaOct 15, 2025

Got personal loan in a few minutes

I had pre-approved offers. When I applied through Paisabazaar, I got my personal loan approved within a few minutes. The process was very hassle-free and the team was extremely cooperative.

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Preeti SinghSep 26, 2025

Cibil kam tha fir bhi loan dila diya

Mera cibil kam tha fir bhi paisabazaar walo ne loan dila diya mujhe jo bohot jaruri tha.

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Pawan SehrawatSep 25, 2025

Personal loan quick approved

My personal loan was quick approved on Paisabazaar. Everything was online and I was not required to submit any more documents.

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Vivaan ShahSep 24, 2025

Loan Approved in on day

I confused between HDFC & Axis personal loans, but Paisabazaar showed me all the offers side by side. I apply in 10 minutes and got approval the next day!

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Rahul MehtaSep 23, 2025

Personal loan mila yahaan se

Mujhko personal loan mila yahaan se bina koi dikkat hue. Maine toh online apply kiya aur 3 lakh ka loan mila 2 saal ke liye.

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Pankaj SinhaSep 22, 2025
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