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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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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 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

Apply Now

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All Your Needs

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FAQs

What is the interest cost of 30 lakh personal loan availed from HDFC Bank for 5 years?

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

How can I calculate my monthly installments before applying for a 30 lakh personal loan from HDFC Bank?

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.

What is the lowest interest rate offered to applicants availing a personal loan of Rs 30 lakh from HDFC Bank?

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

At what minimum credit score can I avail lowest interest rates on 30 lakh personal loan from HDFC Bank?

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

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
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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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