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HDFC Bank 5 Lakh Personal Loan

Looking for a loan of Rs. 5 lakh? Apply for an HDFC Bank Rs. 5 lakh personal loan and get quick approval. HDFC Bank offers instant personal loans with interest starting at 9.99% p.a.
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Valid till 31st March '26*T&C Apply
Instant Personal Loan

Get up to ₹50 Lakhs starting at 9.98%

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5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed
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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

HDFC Bank Rs. 5 lakh Personal Loan: Interest Rate

HDFC personal loan interest rates start from 9.99% p.a. onwards. The personal loan rate of interest that would ultimately be offered to the loan applicant would differ based on factors such as their credit score, monthly income, job profile, and employer’s profile.

HDFC Bank Rs. 5 lakh Personal Loan: Fees and Charges

HDFC Bank charges the following fees on a personal loan of Rs. 5 lakh.

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

Documents Required for HDFC Bank Personal Loan

For an HDFC Bank Rs 5 lakh personal loan, the following documents are required.

  • Identity Proof: Aadhaar card/driving license/voter ID/passport
  • Address Proof: Aadhaar card/driving license/voter ID/passport
  • Bank statement for the past 3 months
  • Latest salary slips/latest salary certificate with Form 16

HDFC Bank Rs 5 Lakh Personal Loan Eligibility

To apply for an HDFC Bank Personal Loan, you need to meet the following conditions:

  • Who can apply: Salaried employees of private limited companies, public sector undertakings, and central/state/local government bodies.
  • Age: Minimum 21 years at the time of application and maximum 60 years at the time of loan maturity.
  • Work experience: At least 2 years of total work experience, with a minimum of 1 year in the current organization.
  • Income requirement: Min. Rs. 25,000 monthly income
  • Credit score: A good credit score is also required for loan approval.

Check your eligibility now with Paisabazaar's Online Personal Loan Eligibility Calculator

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HDFC Personal Loan vs Other Personal Loan Lenders

Banks HDFC ICICI IndusInd Axis
Rates 9.99% p.a. onwards 10.60% p.a. onwards 10.49% p.a. onwards 9.99% p.a. onwards
Processing Fee Up to Rs 6,500 2% Up to 3.5% Up to 2%

EMI Calculation for HDFC Bank Rs 5 lakh Personal loan

Tenure 9.99% 12% 14%
1 year Rs. 43,956 Rs. 44,424 Rs. 44,894
2 years Rs. 23,070 Rs. 23,537 Rs. 24,006
3 years Rs. 16,131 Rs. 16,607 Rs. 17,089
4 years Rs. 12,679 Rs. 13,167 Rs.13,663
5 years Rs. 10,621 Rs. 11,122 Rs. 11,634

Use Paisabazaar's EMI Calculator for a personal loan to make well-informed decisions.

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

HDFC Bank personal loan interest rates generally start from around 9.99% p.a. and may vary depending on your income, credit score, and profile.

You can choose a flexible repayment tenure ranging from 12 months to 60 months.

The EMI depends on the interest rate and tenure chosen. For example, at 12% p.a. for 5 years, the EMI would be around Rs. 11,122 per month.

Applicants must be 21 to 60 years old, have a minimum of 2 years of work experience (1 year with current employer), and earn at least ₹25,000 per month.

Yes, charges include a processing fee (up to Rs. 6500), prepayment/foreclosure charges, and applicable GST.

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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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