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HDFC Personal Loan Payment

Customers can pay loan EMI through online or offline modes. To pay online, customers can simply visit the official website of HDFC Bank or download the mobile app. For queries, issues, and complaints related to personal loan repayments, customers can get in touch with the bank’s customer care department.
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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
ICICI Bank
100% Digital Process*Quick Disbursal
Max Loan Amt.Upto ₹25L
Rate of Interest11% - 13%
Tenure upto1-5 Years
Processing FeeUpto 2%
Axis Bank
Low Processing fee
Max Loan Amt.Upto ₹25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
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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

How to Pay Loan EMI Online

Making an online loan payment can be made through two different ways, i.e., Online and Mobile App.

1. Through HDFC Internet Banking

Customers can pay loan EMI through online mode by simply visiting the official website of HDFC Bank. You are required to enter your login credentials and then log in. After successful login, you can select the appropriate loan account and proceed further to make a payment of loan EMI using your HDFC Bank account balance.

2. Using HDFC Mobile App

HDFC offers a mobile app feature to its customers. Customers can download the HDFC mobile app on their Android or iOS devices through the Google Play Store or Apple Store, respectively. After logging in to the app, click on the payment tab and then click on personal loan. Now you can make the loan EMI payment through the mobile app.

3. Other Online Loan Payment Options: 

Customers are provided with multiple options to pay EMI. Mentioned below are some of the ways through which customers can pay EMI:

  • Paytm: For this, customers are required to log in to their Paytm account and then click on loan repayment. Now you are required to choose HDFC Bank and then proceed to pay EMI.
  • Bank Cheque: Post-dated cheques drawn on the same bank/any nationalised bank are accepted.
  • NEFT/RTGS: This process can also be adopted while making a loan EMI payment using a bank account other than an HDFC account.
  • Billdesk: Customers can also pay EMI through Billdesk. For this, they are required to enter the Loan no and Date of Birth as per the bank records in order to make a transaction for EMI payment. Then the payment can be made using any bank account in India.

Also Read: What factor has the biggest impact on a credit score?

Offline HDFC Bank Personal Loan Repayment

  • Cheque/Draft: Post-dated cheques and drafts drawn in favour of HDFC Bank loan account can be used to make HDFC Bank personal loan EMI payments offline. Do note that cash is no longer accepted by HDFC Bank for offline repayment if retail segment loans such as unsecured personal loans.
  • Standing Instruction/NACH Mandate: Another popular method of automatic payment of EMI directly from your bank account is the Standing Instruction (SI) or National Automated Clearing House (NACH) mandate. This has to filled out and submitted with the bank and the EMI will be automatically deducted from the HDFC or other bank account as per the EMI dues date. Now you can also register for e-NACH mandate through the HDFC Bank website.

How to check loan statement

Customers are required to follow the below mentioned steps to check loan statement:

  • Log in to NetBanking
  • Choose the Loan Tabs and select ‘Register New Loan’
  • Enter your details
  • Click on ‘submit’
  • You will get an OTP on your registered phone. Enter it to complete registration

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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

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FAQs

If you fail to pay EMI on time, it will adversely affect your credit score. In addition to this, the bank will charge a penal rate of interest at 2% per month on the outstanding principal amount till payment is made

Under these circumstances, customers are required to call the customer care number and get their issue resolved

No. Cash is no longer allowed as a payment option for HDFC personal loan EMI by the bank

You can either submit the filled-out NACH mandate paper form with HDFC Bank, or you can register your e-NACH mandate online on the HDFC Bank official website. This will enable automatic EMI payments from your bank account, so that you don’t have to worry about missed payments as long as you have a sufficient account balance

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