HDFC Bank 1 Lakh Personal Loan

Name: HDFC Bank 1 Lakh Personal Loan pvamt
Brand: Paisabazaar
Rating: 4.2 (2839 reviews)

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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2839 Reviews

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800+Cities across India

Get up to ₹1,000*

Voucher on disbursal

Valid till 30^th September '25

Valid till 30^th September '25*T&C Apply

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Customer Rating

4.2_/5

2839 Reviews

51M+Satisfied Customers

65+Lending Partners

800+Cities across India

Paisabazaar Exclusive Benefits

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

Amount

₹

₹1 L

₹5 L

₹10 L

₹15 L

₹20 L

Amount

₹1 L

₹5 L

₹10 L

₹15 L

₹20 L

₹

50K50L

Rate of Interest(Per Annum)

8%30%

Tenure

1Y 10Y

Your Monthly EMI Payment

₹0

Principal Amount₹0

Interest Amount₹0

Total Amount₹0

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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 ₹40L

Rate of Interest9.99% - 17.15%

Tenure upto1-5 Years

Processing Fee1% - 1.5%

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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Pre-approved Offers with Instant Disbursals

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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.