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You can apply for HDFC bank personal loan on Paisabazaar to meet your urgent financial needs at an interest rate starting from 9.99% p.a. The loan amount for personal loan offered by the bank is up to Rs. 25 lakh with flexible tenures of up to 5 years. The HDFC bank also offers pre-approved personal loans to its existing and eligible customers, as well as for individuals applying through Paisabazaar. Existing personal loan borrowers of other banks can avail the balance transfer facility to transfer their outstanding loan to HDFC bank at lower interest rates.
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Voucher on disbursalCheck Personal Loan Offers Online
Customer Rating
2839 Reviews
Wide Choice
Curated offers from 30+ lenders
Quick Disbursal
Money in your account instantly
SmartMatch
Offers ranked according to eligibility
Digital Process
Hassle-free & paperless
Compare & Choose the Best Offer
Pre-approved Offers with Instant Disbursals
Know Your Chances of Approval
End-to-End Digital Process
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
The HDFC bank personal loan interest rate starts from 9.99% p.a. The specific personal loan interest rates applicable to you shall vary, as per 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 of 23 aug 2025.
The interest rate range offered by the HDFC bank for salaried account customers and non-salary account holders shall remain the same, which is 9.99% - 12.5% p.a. However, the eligibility criteria defined by the bank shall differ as further discussed:
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% - 12.5% p.a. However, the exact interest rate shall depend on your credit history and your relationship with the bank.
Below listed are the various types of personal loan schemes, along with interest rates offered by the HDFC Bank:
| Types of HDFC Bank Personal Loan | Interest Rates (p.a.) |
|---|---|
| HDFC Bank XPRESS Personal Loan | 9.99% - 12.5% |
| HDFC Bank Golden Edge Personal Loan | 9.99% - 12.5% |
| HDFC Bank marriage Loan | 9.99% - 12.5% |
| HDFC Bank Travel Loan | 9.99% - 12.5% |
| HDFC Bank Loan for Home Renovation | 9.99% - 12.5% |
| HDFC Bank Personal Loan Balance Transfer | 9.99% - 12.5% |
| HDFC Bank Personal Loan for Salaried, Women, Teachers, Govt. Employees, Pensioners, etc. | 9.99% - 12.5% |
Several factors affect the HDFC Bank personal loan interest rate. Read on to know the key elements:
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 your 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% of 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.
The personal loan interest rates are decided upon your credit score, income and job stability, loan amount and tenure, Debt-to-Income Ratio, etc.
The processing fees charged for HDFC personal loan is Up to Rs. 6,500 + GST.
Foreclosure Charges (For Full and Part Payment)
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
Last updated: 1 September, 2025
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