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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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Personal Loan EMI Calculator

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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 Fee₹ 6,500
Axis Bank
Low Processing fee
Max. Loan Amt.Upto ₹40L
Rate of Interest9.99% - 17.15%
Tenure upto1-5 Years
Processing Fee1% - 1.5%
Kotak Mahindra Bank
Lowest Income requirement100% Digital Process*
Max. Loan Amt.Upto ₹25L
Rate of Interest9.98% - 17.2%
Tenure upto1-5 Years
Processing Fee1.1% - 1.5%

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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%

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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.

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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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Last updated: 8 September, 2025

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Shamik Ghosh

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