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 Amount₹0
Interest Amount₹0
Total Amount₹0

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 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.

Quick Links

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

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

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
View All Partners

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.

Personal Loan Articles

Importance of No Dues Certificate in Personal Loan Closure - Article image

Importance of No Dues Certificate in Personal Loan Closure

icon image of Paisabazaar
Paisabazaar02 Sept 2025
Loan rejected despite high income? Here’s what you need to know - Article image

Loan rejected despite high income? Here’s what you need to know

icon image of Paisabazaar
Paisabazaar19 Aug 2025
Personal Loan for First Time Borrowers: What Customers Must Know - Article image

Personal Loan for First Time Borrowers: What Customers Must Know

icon image of Paisabazaar
Paisabazaar04 Aug 2025
How I Saved Rs 22,000 on My Personal Loan through Prepayment - Article image

How I Saved Rs 22,000 on My Personal Loan through Prepayment

icon image of Bhumika Khandelwal
Bhumika Khandelwal31 Jul 2025
How Have Personal Loans Advanced Over the Past few Years - Article image

How Have Personal Loans Advanced Over the Past few Years

icon image of Paisabazaar
Paisabazaar17 Jul 2025
Factors To Consider While Selecting a Personal Loan Lender - Article image

Factors To Consider While Selecting a Personal Loan Lender

icon image of Paisabazaar
Paisabazaar16 Jul 2025
Instant Personal Loan Apps: Avoid These 5 Pitfalls - Article image

Instant Personal Loan Apps: Avoid These 5 Pitfalls

icon image of Bhumika Khandelwal
Bhumika Khandelwal16 Jul 2025
Reasons for Delay in Personal Loan Processing - Article image

Reasons for Delay in Personal Loan Processing

icon image of Paisabazaar
Paisabazaar09 Jul 2025
APR vs Interest Rate in Personal Loans: What’s the Difference? - Article image

APR vs Interest Rate in Personal Loans: What’s the Difference?

icon image of Bhumika Khandelwal
Bhumika Khandelwal07 Jul 2025
Tips to Choose an Ideal Personal Loan Tenure - Article image

Tips to Choose an Ideal Personal Loan Tenure

icon image of Paisabazaar
Paisabazaar07 Jul 2025
View All Articles
quotes icon

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.

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

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

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.

icon image of avatar
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.

icon image of avatar
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.

icon image of avatar
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

icon image of avatar
Tarini RoyJan 14, 2026

Easy personal loan available

Took personal loan. Good experience.

icon image of avatar
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.

icon image of avatar
Abhishek ThakuraJan 14, 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