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HDFC Bank 10 Lakh Personal Loan

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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 10 Lakh Personal Loan from HDFC Bank

HDFC personal loan interest rates range between 9.99% p.a. to 12.5% p.a. However, the personal loan rate of interest offered to a loan applicant varies based on factors such as their credit score, job profile, monthly income and employer’s profile.

Fees and Charges for 10 Lakh Personal Loan from HDFC Bank

  • Processing Charges: Up to Rs. 6,500 + GST
  • Stamp Duty and Other Statutory Charges: According to the laws of the state
  • Repayment Mode Change Charges: Rs. 500
  • Pre-payment in Part/Full: Part-payment permitted up to 25% of principal outstanding. It is allowed once in the financial year and twice during the loan tenure.
  • Payment Return Charges: Rs. 450 per instance

Eligibility Criteria for 10 Lakh Personal Loan from HDFC Bank

Individuals planning to get a personal loan of Rs 10 lakh should meet the following personal loan eligibility criteria:

  • Should be a salaried employee of private limited company, PSU or central/state/local government bodies
  • Should be aged at least 21 years at the time of loan application and the maximum age at the time of loan maturity should not exceed 60 years
  • Should have a minimum total work experience of  2 years with at least 1 year in the current organization.
  • The EMI/NMI ratio of the applicant should be 50-55% including the current EMIs and EMI of the proposed personal loan.
  • A good credit score is also required for loan approval

Documents Required for HDFC Bank Personal Loan of Rs. 10 Lakh

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

Note that, pre-approved customers of HDFC Bank documentation is not required since the lender already has their KYC details.

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EMI Calculation for Personal Loan of Rs. 10 Lakh

The following is the EMI calculation for a personal loan of Rs. 10 lakh offered @ 9.99% p.a. for different tenures. Applicants planning to get 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.)
10,00,000 9.99% 1 year 87,869
10,00,000 9.99% 2 years 46,099
10,00,000 9.99% 3 years 32,220
10,00,000 9.99% 4 years 25,315
10,00,000 9.99% 5 years 21,198

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

Explore Our Personal Loan Lenders

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FAQs

The interest cost of Rs.10 lakh personal loan from HDFC Bank for 5 years would be Rs. 2,71,872.

You can avail a personal loan of Rs. 10 lakh from HDFC Bank for a tenure of up to 5 years.

A minimum CIBIL Score of 720 is considered good for availing an HDFC Bank Personal Loan of Rs. 10 lakh.

Yes, you can foreclose your HDFC Bank personal loan. The lender levies foreclosure charges of up to 4% of the principal outstanding +GST in case you decide to do so.

The lender usually takes around 10 seconds to 4 hours to disburse a pre-approved loan.

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