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HDFC Bank 30 Lakh Personal Loan

HDFC Bank Personal Loans of Rs 30 lakh are designed to provide instant financial support to individuals planning huge expenses, such as wedding, vacation, home renovation, education, medical emergencies, debt consolidation, etc. The lender offers interest rates starting from 9.99% p.a. depending on the creditworthiness of the applicant. With digital loan application, pre-approved offers, instant disbursal and paperless process, you can now enjoy a hassle-free borrowing with HDFC Bank.
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Get up to ₹50 Lakhs starting at 9.98%

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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

Interest Rates Offered by HDFC Bank for 30 lakh Personal Loan

HDFC Bank offers personal loan interest rates starting from 9.99% p.a. onwards. The lender offers personal loan interest rates depending on the credit score, job profile, loan types, employer’s profile, etc. of the applicants. Below-mentioned is the interest rate range of HDFC Bank Personal Loan for Rs 30 lakh.

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

HDFC Bank 30 Lakh Personal Loan- Fees and Charges

  • Processing Fees- Rs 3,499- Rs 6,500
  • Prepayment Charges-
    • 4% of outstanding principal (Up to 24 EMIs)
    • 3% of outstanding principal (24-36 EMIs)
    • 2% of outstanding principal (above 36 EMIs)
  • Amortization Schedule- Rs 50
  • Repayment Mode Change Charges- Rs 500
  • Payment Return Charges- Rs 450

Eligibility Criteria for Availing 30 Lakh Personal Loan from HDFC Bank

Below-mentioned is the personal loan eligibility criteria of applicants availing 30 lakh personal loan from HDFC Bank:

Eligibility Criteria Details
Age 21 to 60 years
Job Profile Employees of Private Limited Companies and PSUs
EMI/NMI Ratio 50-55%
Work Experience Total work experience of 2 years and 1 year with the current employer
CIBIL Score 720 and above

Documents Required by HDFC Bank During 30 Lakh Personal Loan Application

HDFC Bank requires the below-mentioned personal loan documents while availing a loan amount of 30 lakh:

  • ID Proof
  • Address Proof
  • Last 3 months bank statements
  • Recent salary slips for 3 months

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EMI Calculation for 30 lakh Personal Loan from HDFC Bank for Different Tenures

Below-mentioned is the EMI calculation of 30 lakh personal loan availed from HDFC Bank @ 9.99% p.a. onwards for different tenures. You can use a personal loan EMI calculator available online to evaluate the same.

Loan Amount (Rs) Interest Rate (p.a.) Loan Tenure EMI (Rs)
30,00,000 9.99% 1 year 2,63,734
30,00,000 9.99% 2 years 1,38,421
30,00,000 9.99% 3 years 96,787
30,00,000 9.99% 4 years 76,073
30,00,000 9.99% 5 years 63,726

Why is HDFC Bank a Good Choice for 30 lakh Personal Loan

  • Affordable interest rates starting from 9.99% p.a. onwards
  • Instant personal loans with disbursal in just 10 seconds
  • Completely digital process
  • No documentation required
  • Pre-approved offers for select existing customers
  • Personal loan balance transfer facility available

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

Avail Personal Loan for
All Your Needs

FAQs

The interest cost of 30 lakh personal loan availed from HDFC Bank for 5 years would be Rs 8,23,582.

You can calculate your monthly installments with the help of a personal loan EMI calculator. All you need to do is enter the loan amount, interest rate, and loan tenure and get your result instantly.

The lowest interest rate offered to applicants availing a personal loan of Rs 30 lakh from HDFC Bank is 9.99% p.a.

Applicants having a credit score of 720 and above have higher chances of availing a 30 lakh personal loan from HDFC Bank at lowest interest rates.

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What our customers say

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

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

Best Advisor for Personal Loan

I would like to share my feedback regarding my recent interaction with Mr. Vipin Singh (employee id EW12967) After discussing the financial matters with him, I felt very satisfied with his approach and professionalism. He explained everything clearly, handled the discussion patiently, and ensured that all concerns were addressed effectively. His communication skills, positive attitude, and dedication towards his responsibilities truly reflect his commitment to the organization.

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20th Jan 2026Jan 20, 2026

Meri shaddi thi

Shadi mai bht kharche hote hai. Maine shaddi ke liye personal loan paisabazaar se liya tha. Process smooth tha or interest bhi sahi milla.

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Sadia KhatunJan 15, 2026

Perfect for Loan Solutions

Recently I had a conversation with Mr. Harsh ji. Thanks Mr. Harsh ji for providing a better solution in a very short period of time with very nice behaviour. Thank You very much.

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Amit ChahalJan 15, 2026

Travel ke liye personal loan liya tha

Mai bohot din se out of India ghumne jana chahti thi lekin jab jane ka time mila toh budget kaam padh raha tha, Paisabazaar se personal loan leke bht acha trip kiya. Maza agaya. Mere upar koi burden bhi nhi padha

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Tarini RoyJan 14, 2026

Easy personal loan available

Took personal loan. Good experience.

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Ruchika TiwariJan 14, 2026

Stress-free Laon Borrowing Process

There was a complication with my KYC verification. Paisabazaar’s Shazeb handled it swiftly and professionally. He ensured that I received regular updates, explained the resolution steps clearly, and most importantly, resolved the issue quickly. His prompt assistance and communication made the entire experience smooth and stress-free. Thanks to his efforts, the loan process was completed without further delays.

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Abhishek ThakuraJan 14, 2026
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