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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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Instant Personal Loan

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

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

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

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

Medical Emergency thi, loan jaldi mil gya

Muhje ek medical emergency ke liye personal loan lena padha. Paisabazaar pe bht jaldi or smooth process tha. time pe kaam agaya.

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Raj SinghJan 13, 2026

Compare karke sahi rate mila

Loan offers jab comapre kiya toh pata chala konse loan lene se muhje sahi mai faida hoga. Isiliye Paisabazaar muhje best laga.

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Akrity PandeyJan 5, 2026

Personal loan fatfat mai mil gaya

Muhje paiso ki urgent need thi. Paisabazaar se loan jaldi or sahi rate pe mil gaya.

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Riya MehraJan 5, 2026

Loan from Paisabazaar was actually paperless

I always used to think that the paperless loan is a myth. But on Paisabazaar, I applied for the pre approved loan from IDFC Bank and all documentation was already done. I just filled the form, did kyc and my loan was approved and disbuursed one the same day.

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Tanmay BorkatakiDec 12, 2025

Best place for a small loan

I have take loan of 60-70000 three times from paisabazaar in 4 years and every time it has been a very good experience. They provide the loan without failure and have also helped me improve my cibil.

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Aridaman Singh ParhichaDec 11, 2025
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