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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.

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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
  • 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.

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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 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.

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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

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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

Explore Our Personal Loan Lenders

HDFC BANKHDFC BANKAxis BankAxis BankKotak Mahindra BankKotak Mahindra BankICICI BankICICI BankFederal BankFederal BankIDFC First BankIDFC First BankIndusind BankIndusind BankRBL BankRBL BankTata CapitalTata Capital
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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.

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