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HDFC Bank 10 Lakh Personal Loan

Looking for a personal loan of Rs. 10 lakh? Apply for an HDFC Bank Rs.10 lakh personal loan and get quick approval. HDFC Bank offers instant personal loans with interest rate starting at 9.99% p.a.
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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 Fee6,500
ICICI Bank
100% Digital Process*Quick Disbursal
Max Loan Amt.Upto 25L
Rate of Interest11% - 13%
Tenure upto1-5 Years
Processing FeeUpto 2%
Axis Bank
Low Processing fee
Max Loan Amt.Upto 25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
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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

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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

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

Apply Now

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All Your Needs

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All Your Needs

FAQs

What is the interest cost for Rs. 10 lakh personal loan from HDFC Bank for 5 years?

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

For what tenure can I get a personal loan of Rs. 10 lakh from HDFC Bank?

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

At what minimum CIBIL Score can I avail a 10 lakh personal loan from HDFC Bank?

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

Is it possible to foreclose a personal loan availed from HDFC Bank?

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.

What is the turnaround time for a pre-approved personal loan from HDFC Bank?

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

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What our customers say

Smooth & hassle-free loan approval experience

I want to express my gratitude for your exceptional support & guidance throughout my loan application process to Aman (EW17239). Your professionalism & clear communication made the journey smooth and manageable. I appreciate how you helped during loan approval & fast-tracked the documentation. It is rare to find someone so committed to their clients. I truly value the effort you put into ensuring a successful outcome. Thanks again for your invaluable help.

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Sanjay Kumar GuptaMar 30, 2026

Exceptional guidance throughout the process

I’d like to express my sincere appreciation for Mr. Aman Kumar (EW32023) for the excellent assistance provided. His professionalism & willingness to help made the experience smooth & pleasant. Aman Kumar demonstrated patience & clarity while addressing queries and ensured that everything was handled efficiently. Such dedication & customer-focused service truly deserve recognition. Please convey my thanks and appreciation to him for his outstanding support.

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Jyotirmoy SinghaMar 23, 2026

Very helpful and easy to reach

I really wants to appreciate Mohankumar Dhandapani for closing my loan requirement in such a short time and nice manner. He is very much approachable helped me based on my requirements. He explained me all the options in very short time even one option failed immediately helped me to get other options worked. Excellent job done by Mohankumar Dhandapani all the best keep you same way approachable you will get more customers. Thanks to Paisabazar too.

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Kirubagaran GanesanFeb 24, 2026

Reliable help when i needed it most

I am writing this email to express my sincere thanks for your excellent support and guidance on Paisabazaar. My experience was very smooth and satisfying because of your help. You explained everything clearly and made the whole process easy and comfortable for me. I truly appreciate your professionalism, patience, and quick response. I am very happy with the service and would definitely recommend to others because of the great support I received from you. Thank you once again

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DharmeshFeb 22, 2026

Committed support that made everything easy

I’d like to appreciate the Paisabazar team for the excellent loan service. I especially want to recognize one of your agents, Mr. Prince Kumar, for his outstanding support. For more than a month, he continuously followed up with me and assisted me. His commitment & professionalism made the experience smooth & hassle-free. I appreciate his efforts and dedication. Kindly acknowledge his performance and consider rewarding such a sincere employee.

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BhupendraFeb 18, 2026

My Trust in Paisabazaar has Increased

I would like to take a moment to share my sincere feedback regarding the support I received from your team. The executive who assisted me was extremely professional, polite, and knowledgeable. They patiently understood my concern, explained the process clearly, and guided me step by step toward the right solution. I truly appreciate the transparency, timely responses, and genuine effort shown to help me.

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Lalit MaviFeb 12, 2026

Best Place for Taking Loans

I contacted customer care with a few queries, and I am very satisfied with the support I received. The representative was polite, patient, and explained everything clearly. My questions were resolved properly, and the overall experience was smooth and helpful. Thank you for the excellent customer service

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Kokil BarnwalFeb 12, 2026

Easy loan approval with good guidance

Thank you for the support provided for getting personal loan approval. During this process I worked with Mr. Aman Bajpai (EW17239) who was co-ordinator for this entire process of Personal loan, I was incredibly impressed by his efficiency and problem-solving skills. He went out of their way to ensure all my questions were answered and that the disbursement timeline stayed on track. His coordination was really appreciable.

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Riyaj AtarFeb 9, 2026

Apne higher education ke liye loan liya tha

Muhje higher education ke liye loan chahiye tha. Paisabazaar pe apply kiya. Got it at the right time. Quite helpful.

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Puja DanuJan 22, 2026

Sabse jada helpful log the yaha

Maine bht jagah try kiya tha personal loan ka, yaha try kiya toh helpful log mille. Har steps mai aram se samjhaya or usse muhje loan lene mai jda dikkat nhi aayi.

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Anuradha GuptaJan 21, 2026
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Anubhuti Agrawal profile
Written ByLinkedIn icon
Anubhuti Agrawal
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Shamik Ghosh

Paisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners.

The APR (Annual Percentage Rate) of a personal loan is its annualised cost of borrowing, which includes the interest rate as well as the processing fees, documentation fees and other fees charged during the loan origination. The APR is expressed in the form of a percentage and thus, allows personal loan applicants to detect personal loan schemes offered at lower interest rates but with higher processing fees and/or other charges.

The APR of personal loans usually ranges between 11.29% to 35%. For example, assume that you have availed a personal loan of Rs. 5 lakhs @ 10.50% p.a. with a repayment tenure of 5 years. The processing fee charged for this loan is 1.5% of the loan amount, which amounts to Rs 7,500. Therefore, the total borrowing cost of your personal loan will be Rs 1,52,317 and its APR will be 11.16%.

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