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Wide Choice
Quick Disbursal
SmartMatch
Digital Process
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15.5L Reviews
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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 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 1st January 2026
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.
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.
The following are the key factors that affect HDFC personal loan interest rate:
Applicants can follow the tips mentioned below to get HDFC Bank Personal Loan at lower interest rates:
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
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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