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HDFC Bank Personal Loan Interest Rate – Latest Update (April 2025)
The HDFC bank personal loan interest rate starts from 10.90% 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 | 10.90% p.a. |
| Maximum Interest Rate | 24% p.a. |
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-salary account holders shall remain the same, which is 10.90% – 24% p.a. However, the eligibility criteria defined by the bank shall differ as further discussed:
Eligibility Criteria:
- Salaried employees at select private limited companies and public sector undertakings (including central, state and local bodies) are eligible
- Age: Min. 21 years and max. 60 years at the time of loan maturity
- Minimum work experience: 2 years, and at least 1 year with current employer
Minimum Net Monthly Income
- HDFC Bank Salary Account holders: Rs. 25,000
- For Non-HDFC Bank Salary Account holders: Rs. 50,000
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 10.90% to 24.00% p.a. However, the exact interest rate shall depend on your credit history and your relationship with the bank.
Types of HDFC Bank Personal Loans & Their Interest Rates
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 | 10.90% – 24% |
| HDFC Bank Golden Edge Personal Loan | 10.90% – 24% |
| HDFC Bank marriage Loan | 10.90% – 24% |
| HDFC Bank Travel Loan | 10.90% – 24% |
| HDFC Bank Loan for Home Renovation | 10.90% – 24% |
| HDFC Bank Personal Loan Balance Transfer | 10.90% – 24% |
| HDFC Bank Personal Loan for Salaried, Women, Teachers, Govt. Employees, Pensioners, etc. | 10.90% – 24% |
Factors Affecting HDFC Bank Personal Loan Interest Rate
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.
How HDFC Bank Decides Your Personal Loan Interest Rate
The personal loan interest rates are decided upon your credit score, income and job stability, loan amount and tenure, Debt-to-Income Ratio, etc.
HDFC Bank Personal Loan EMI Calculator – Know Your EMI Before You Borrow
HDFC Bank personal loan EMI calculator can be accessed to calculate your EMIs and total interest cost payable throughout the loan tenure. You just need to enter the loan amount, interest rate and loan tenure in the personal loan EMI calculator and get instant results.
Monthly EMI ₹ 15,622
Total Amount Payble ₹ 5,62,395(Principal + interest)
Principal Amount ₹ 5,00,000
Total Interest Payble ₹ 62,395
Fees and Other Charges
The processing fees charged for HDFC personal loan is Up to Rs. 6,500 + GST.
Prepayment/foreclosure charges
Foreclosure Charges (For Full and Part Payment)
- Up to 24 EMI: 4% of principal outstanding + GST
- Post 24-36 EMI: 3% of principal outstanding + GST
- More than 36 EMI: 2% of principal outstanding + GST