Download AppWin Assured Cashback
Paisabazaar Logo - Compare loans and credit cards

HDFC Personal Loan EMI Calculator

Looking to take a personal loan from HDFC Bank? Understanding your monthly repayment in advance can help you plan better. Whether you're comparing multiple loan options or deciding on a tenure, this HDFC Personal Loan EMI calculator makes the process quick, accurate, and hassle-free.

Select Your Bank

50K50L
8%30%
1Y 10Y

Your Monthly EMI Payment

0

Principal Amount0
Interest Amount0
Total Amount0

Find Best Personal Loan Offers

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
  • Interest rates starting from 10.99% p.a. onwards.
  • Loan amount of up to Rs 40 lakh for tenure of up to 6 years.
  • Collateral-free loans.
  • Pre-approved personal loans offered to existing HDFC Bank customers with no documentation required.
  • Instant loan disbursal in just 10 seconds.
  • Personal Loan Balance Transfer facility available for existing borrowers of other banksand NBFCs.
Why Choose Paisabazaar?
image of Compare & Choose the <strong>Best Offer</strong>

Compare & Choose the Best Offer

image of Pre-approved Offers with <strong>Instant Disbursals</strong>

Pre-approved Offers with Instant Disbursals

image of Know Your <strong>Chances of Approval</strong>

Know Your Chances of Approval

image of End-to-End <strong>Digital Process</strong>

End-to-End Digital Process

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

HDFC Personal Loan EMI Calculator

HDFC Personal Loan EMI Calculator is an online tool offered by HDFC Bank, using which personal loan borrowers can calculate their EMI and interest cost.. The EMI amount may vary based on the HDFC Personal Loan Interest Rate, loan amount and repayment tenure chosen by the borrower. Borrowers can also use Paisabazar’s EMI Calculator for Personal Loan to choose the optimal tenure and EMIs for their HDFC Bank Personal Loan, depending on their repayment capacity.

HDFC Personal Loan Amortisation Schedule

Suppose you borrow a loan of Rs. 10 lakh @ 9.99% p.a. for a tenure of 5 years, then the following will be your amortization schedule for 1 year.

Month EMI (₹) Principal Paid (₹) Interest Paid (₹) Outstanding Balance(₹)
1 21,260 12,693 8,567 9,87,307
2 21,260 12,798 8,462 9,74,509
3 21,260 12,903 8,357 9,61,606
4 21,260 13,009 8,251 9,48,597
5 21,260 13,116 8,144 9,35,481
6 21,260 13,223 8,037 9,22,258
7 21,260 13,331 7,929 9,08,927
8 21,260 13,439 7,821 8,95,488
9 21,260 13,548 7,712 8,81,940
10 21,260 13,657 7,603 8,68,283
11 21,260 13,767 7,493 8,54,516
12 21,260 13,877 7,383 8,40,639

This table illustrates an estimate of the first 12 months of the loan. For the remaining period, the principal component will continue to increase at the same pace, while the interest portion will gradually decrease.

Instantly Calculate Your Personal Loan EMI Online

You can instantly calculate your personal loan EMI, total interest cost payable, and total loan amount using an EMI calculator - saving both time and effort. You can compare multiple loan options and plan your finances better with clear insights into your monthly payments.

Comparison of HDFC Personal Loan EMI with Top Banks

Lender Interest rate (% p.a.) EMI (Rs) Loan Amount. – Rs 5 lakh Tenure – 5 years EMI (Rs) Loan Amount. – Rs 1 lakh Tenure – 5 years
HDFC Bank 10.90-24.00 10,834-14,384 2,167-2,877
Tata Capital 11.99 onwards 11,120 onwards 2,224 onwards
ICICI Bank 10.85-16.65 10,834-12,332 2,167-2,466
Bank of Baroda 10.90-18.30 10,846-12,778 2,169-2,556
Axis Bank 11.25 onwards 10,896 onwards 2,179 onwards
Kotak Mahindra Bank 10.99-16.99 10,869-12,424 2,174-2,485
Bank of India 11.60-16.20 11,021-12,212 2,204-2,442
Canara Bank 10.45-15.90 10,722-12,132 2,147-2,426

The interest rates are updated as of 22 April 2025

Avail Personal Loan for
All Your Needs

Avail Personal Loan Banner

Avail Personal Loan for
All Your Needs

Missed Your HDFC Personal Loan EMI? Here's What It Could Cost You

If you miss personal loan EMIs, HDFC Bank levies late payment charges, which can add up to the total cost of your loan and may affect your credit score. Here’s what happens if you fail to repay your EMIs on time:-

  • Penal Rate: 1.50% per month (18% p.a.) plus applicable taxes on the overdue instalment amount.
  • This charge is applied if the instalment remains unpaid after the expiry of the grace period of 7 days after the instalment due date.

Stay vigilant with your payments to avoid unnecessary charges and keep your loan on track!

How You Can Reduce EMI on Your Personal Loan

  • Make Prepayments Whenever Possible: Paying a portion of your personal loan early gives you two options:-
    • Either reduce your EMI or
    • Shorten the loan tenure.

Borrowers should note that lenders levy prepayment charges on personal loans offered at fixed interest rates. Additionally, some lenders have a lock-in period of 1 year after which you can make partial or full prepayments.

  • Choose lower EMIs: If you are struggling to repay your existing EMIs, contact your respective lender to reduce EMI. But note that this can lead to an increase in your repayment tenure and thereby higher interest cost.
  • Transfer Your Personal Loan: Opting for balance transfer of your personal loan to another lender offering a lower interest rate can help reduce your EMI and save on interest cost. Borrowers should note the following before transferring the loan:-
  • The new lender may charge processing fees, administrative fees, etc., for the balance transfer.
  • Ensure that the savings on interest are significantly higher than the costs incurred during the loan transfer process. Use the personal loan EMI calculator to check how much you can save on EMIs before you opt for the balance transfer.

Benefits of Using Online EMI Calculator

  • Instantly calculate your EMI, total interest payable and interest cost based on the loan amount, interest rate, and tenure.
  • Instead of manual EMI calculation, the online calculator does the work in seconds, saving you valuable time.
  • Allows you to compare multiple loan options, interest rates, and tenures across multiple lenders, helping you choose your best deal.
  • By knowing your EMIs upfront, you can make informed decisions about the loan amount and tenure based on your repayment capacity.
  • Provides clarity on your monthly payments, helping you plan your budget and manage your finances better.
Why Choose Paisabazaar?
image of Compare & Choose the <strong>Best Offer</strong>

Compare & Choose the Best Offer

image of Pre-approved Offers with <strong>Instant Disbursals</strong>

Pre-approved Offers with Instant Disbursals

image of Know Your <strong>Chances of Approval</strong>

Know Your Chances of Approval

image of End-to-End <strong>Digital Process</strong>

End-to-End Digital Process

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

Avail Personal Loan for
All Your Needs

Avail Personal Loan Banner

Avail Personal Loan for
All Your Needs

FAQs

The EMI for a Rs 5 lakh personal loan depends on the interest rate and tenure chosen. You can calculate it using the HDFC EMI Calculator based on the specific loan terms. For instance, for a loan amount of Rs 5 lakh with an interest rate of 12% p.a. and a tenure of 5 years, the estimated EMI would be approximately Rs 11,122.

You can use the Personal loan EMI calculator for pre-approved HDFC personal loans to estimate the EMI based on the different loan amounts, tenures, and interest rates.

HDFC offers personal loans at fixed interest rates, i.e., EMI remains constant throughout the loan tenure.

When you prepay a portion of the loan, the outstanding principal balance decreases, leading to a lower interest component in your EMI. You can choose to either reduce your EMI or shorten the loan tenure after a part-prepayment.

HDFC offers personal loans at fixed interest rates, which means the EMI remains the same every month throughout the loan tenure.

quotes icon

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.

icon image of avatar
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.

icon image of avatar
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.

icon image of avatar
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

icon image of avatar
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.

icon image of avatar
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.

icon image of avatar
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

icon image of avatar
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.

icon image of avatar
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.

icon image of avatar
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.

icon image of avatar
Anuradha GuptaJan 21, 2026
View All Testimonials
Vandana Punj profile
Written ByLinkedIn icon
Vandana Punj
Shamik Ghosh profile
Reviewed ByLinkedIn icon
Shamik Ghosh

Paisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners

*Applicable for selected customers

Knapsack with coins

Check Best Personal Loan Offers
with Quick Disbursal

Scroll to top