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HDFC Personal Loan Interest Rate

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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 ₹25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
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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HDFC Bank Personal Loan Interest Rate – Latest Update (November 2025)

The HDFC Bank personal loan interest rate starts from 9.99% p.a. The specific personal loan interest rates applicable to you may vary, depending on your credit score, monthly income, employment/business stability, employer’s profile and existing relationship with the bank.

Minimum Interest Rate 9.99% p.a.
Maximum Interest Rate 12.5% p.a.

Interest rates updated as on 8th October 2025.

Interest Rates on HDFC Bank Personal Loans for Salary Account Customers and Non-Salary Account Holders

The interest rate range offered by the HDFC Bank for salaried account customers and non-salaried account holders shall remain the same, which is 9.99% p.a. - 12.5% p.a.

HDFC Bank Personal Loan Interest Rate for Pensioners

If you are a pensioner or senior citizen and applying for the HDFC Bank personal loan, then your interest rate will range between 9.99% p.a. - 12.5% p.a. However, the exact interest rate shall depend on your credit history and your relationship with the bank.

Factors Affecting HDFC Bank Personal Loan Interest Rate

The following are the key factors that affect HDFC personal loan interest rate:

Credit Score

  • Usually, your high credit score (750+) qualifies you for low interest rates.
  • If you have a low credit score then try improving it, as it might lead to high interest rates on personal loan or even rejection of your personal loan application.

Income

  • Your high monthly income assures the bank of your repayment capacity, which makes you eligible to avail personal loan at low interest rates.
  • To avail personal loan from HDFC Bank, maintain a minimum net monthly income of Rs. 25,000 or above.

Employment Type & Stability

  • Salaried employees working with reputed companies, like corporates, MNCs or Public Sector Undertakings (PSUs) have higher chances of getting personal loans at low interest rates.

Loan Amount and Tenure

  • Generally, banks do offer low interest rates to salaried individuals for larger loan amounts, if you have a stable income or high salary.
  • Self-employed individuals with stable income are also offered competitive interest rates by the HDFC Bank.

Debt-to-Income Ratio

  • If you are already burdened with ongoing loans, the bank shall charge a higher rate of interest to minimize the risk of default.
  • Maintain your DTI ratio of 35% or below to avail personal loan at competitive interest rates.

Existing Relationship with HDFC Bank

  • If you are an existing HDFC customer (salary account holder or credit card user), the bank may offer preferential rates on personal loans.

How to Get the Best HDFC Bank Personal Loan Interest Rate

Applicants can follow the tips mentioned below to get HDFC Bank Personal Loan at lower interest rates:

  • Build and Maintain a Good Credit Score: Having a credit score of 750 or above is preferred by most lenders and can help you avail a loan at lower interest rates. Making repayments on time and handling credit responsibly can help improve your credit score.
  • Compare HDFC Bank Personal Loan Rates Online: You can use a financial marketplace such as Paisabazaar.com to compare HDFC Bank’s personal loan interest rates with other lenders and ensure that you get the best deal.
  • Check for Pre-approved Loan Offers: HDFC Bank provides various pre-approved personal loan offers to its eligible customers from time-to-time. You can reach out to HDFC Bank and find out if you're eligible for any pre-approved offers at preferential rates.
  • Look Out for HDFC’s Festive Offers: A lot of lenders offer special interest rate concessions during festive seasons. Try and peep an eye on such offers by HDFC Bank during the festive season to get the lowest rates on personal loans.

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HDFC Bank Personal Loan Interest Rate Calculation

Given below is a sample EMI calculation for two different interest rates offered on loan amounts of Rs. 2 lakh and Rs. 5 lakh respectively, over a tenure of 5 years:

Interest Rate Loan Amounts Loan Tenure EMI
9.99% p.a. Rs. 2 Lakh 5 Years Rs. 4,248
11% p.a. Rs. 2 Lakh 5 Years Rs. 4,348
9.99% p.a. Rs. 5 Lakh 5 Years Rs. 10,621
11% p.a. Rs. 5 Lakh 5 Years Rs. 10,871

Swipe to see more table data

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How Can I Apply for a Personal Loan Online?

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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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FAQs

The current HDFC Bank personal loan interest rate ranges between 9.99% – 12.5% p.a.

If the salary account holders have a high credit score and job stability with reputed employers, then they might get lower interest rates.

The minimum net monthly salary required for personal loans for salaried individuals is Rs. 25,000.

The processing fee charged by HDFC Bank on personal loan can range up to Rs. 6,500 plus applicable taxes.

Irrespective of the loan amount, the interest rate offered by HDFC Bank on personal loan remains the same, which at present can range between 9.99% p.a. - 12.5% p.a.

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