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HDFC Personal Loan Interest Rate

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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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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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 Bank Personal Loan Interest Rate – Latest Update (October 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

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

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Excellent platform

Excellent platform for personal loan comparison! Their EMI calculator helped me pick the best tenure & my monthly emi.

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Manish KumarOct 23, 2025

Got personal loan instant

I was a medical emergency &amp; need funds instantly I applied for loan at Paisabazaar &amp; see I have a pre approved offers &amp; apply to it &amp; amount disbursed in 48 hours thanks to paisabazaar teams

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I got a loan of 2 lakh from Paisabazaar. Until now, I didn&#x27;t know that it was so easy to get loan through Paisabazaar. They helped me with all documents and process and my loan was sanctioned yesterday itself.

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Priyanka SharmaOct 15, 2025

Got personal loan in a few minutes

I had pre-approved offers. When I applied through Paisabazaar, I got my personal loan approved within a few minutes. The process was very hassle-free and the team was extremely cooperative.

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Preeti SinghSep 26, 2025

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Mera cibil kam tha fir bhi paisabazaar walo ne loan dila diya mujhe jo bohot jaruri tha.

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Personal loan quick approved

My personal loan was quick approved on Paisabazaar. Everything was online and I was not required to submit any more documents.

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Vivaan ShahSep 24, 2025

Loan Approved in on day

I confused between HDFC & Axis personal loans, but Paisabazaar showed me all the offers side by side. I apply in 10 minutes and got approval the next day!

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Rahul MehtaSep 23, 2025

Personal loan mila yahaan se

Mujhko personal loan mila yahaan se bina koi dikkat hue. Maine toh online apply kiya aur 3 lakh ka loan mila 2 saal ke liye.

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Pankaj SinhaSep 22, 2025

Great Customer support and response

Quick and efficient support team of Paisabazaar. Proper knowledge of product and good customer relationship by Abhishek Singh.

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ABhisekh BordoloiSep 21, 2025

Got personal loan from Paisabazaar

I applied for personal loan from paisabazaar and it was disbursed in 2 days. My immediate requirement was fulfilled just in time. Thanks guys for the prompt response and quick approval.

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Pranoy SenSep 19, 2025
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