एचडीएफसी व्यक्तिगत ऋण

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लोन की प्रमुख विशेषताऐं:

  • लोन राशि: ₹ 50,000 से ₹ 40 लाख तक
  • प्रोसेसिंग फीस: 2.5% तक 

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I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :18/02/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

CIBIL TERMS AND
CONDITIONS

To,
TransUnion CIBIL Limited
[Formerly known as Credit Information Bureau (India) Limited]
One Indiabulls building ,Unit No 1901 – 1905,
19th Floor, Tower 2A-2B, Jupiter Mill compound,
Senapati Bapat Marg, Lower Parel, Mumbai 400 013

Sub: Grant of Consent

Dear Sirs,

In connection with submission of the application for my credit information offered by CIBIL (“Consumer Credit Information”) through Paisabazaar (referred to as the “Company”) and delivery of the Consumer Credit Information to the Company, I hereby acknowledge and agree to the following:

A. The Company is my lawfully appointed agent and he / it has agreed to be my agent for the purposes, including, without limitation, to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, and the Company has granted its consent for being appointed for the aforesaid purpose.

B. I grant my unconditional consent to the Company to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, as the case may be, and the Company has granted its consent for being appointed for the aforesaid purpose. I hereby represent and acknowledge that: the Terms of Understanding in relation to the use of the Consumer Credit Information has been agreed between me and the Company.

C. I hereby expressly grant unconditional consent to, and direct, TUCL to deliver and / or transfer my Consumer Credit Information to the Company on my behalf.

D. I shall not hold TUCL responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of my Consumer Credit Information to the Company ; (b) any use, modification or disclosure by the Company of the contents, in whole or in part, of my Consumer Credit Information , whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of my Consumer Credit Information to the Company ; (d) for any use made by the Company which is contrary to the Agreement entered into between the Company and TUCL

E. I acknowledge and accept that: (a) TUCL has not made any promises or representations to me in order to induce me to provide my Consumer Credit Information or seek any consent or authorization in this regard; and (b) the implementation of the Agreement between TUCL and the Company is solely the responsibility of the Company.

F. I agree that I may be required to record my consent / provide instructions electronically and in all such cases I understand that by clicking on the "I Accept" button below, I am providing "written instructions" to Paisabazaar authorizing Paisabazaar to obtain my Consumer Credit Information from my personal credit profile from TransUnion CIBIL LIMITED, [formerly known as Credit Information Bureau (India) Limited]]. I further authorize Paisabazaar to obtain such information solely to confirm my identity and display my Consumer Credit Information to me. Further in all such cases “By checking this box and clicking on the ‘Authorize button, I agree to the terms and conditions, acknowledge receipt of TUCL privacy policy and agree to its terms, and confirm my authorization for Paisabazaar to obtain my Consumer Credit Information.

G. I understand that in order to deliver the product to me, I hereby authorize Paisabazaar, to obtain my Consumer Credit Information from TUCL.

H. By submitting this registration form, I understand that I am providing an express adhoc one-time written instructions for Paisabazaar to request and receive information about me from third parties, including but not limited to a copy of my consumer credit report and score from consumer reporting agencies, at any time for so long as I have an active Paisabazaar account. I further authorize Paisabazaar to retain a copy of my information for use in accordance with the terms of use of this service, Paisabazaar’s Terms of Use and Privacy Policy.

I. I UNDERSTAND THAT THE PRODUCT IS PROVIDED ON AN “AS-IS”, “AS AVAILABLE” BASIS AND TUCL EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

J. I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely release, waive and forever discharge TUCL , its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter “Releasee”), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) (“Losses”), whatsoever, in law or equity, whether known or unknown, which I ever had, now have, or in the future may have against the Releasee with respect to the submission of my Consumer Credit Information and / or my decision to provide TUCL L with the authority to deliver my Consumer Credit Information to the Company . I agree to defend, indemnify, and hold harmless the Releasee from and against any and all Losses resulting from claims made against TUCL L by third parties arising from and in connection with this letter.

K. I agree that the terms of this confirmation letter shall be governed by the laws of India and shall be subject to the exclusive jurisdiction of the courts located in Mumbai in regard to any dispute arising hereof. TUCL is entitled to assign its rights hereunder to any third person without taking my prior written consent.

Yours faithfully,
Name :

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :18/02/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

EQUIFAX TERMS AND
CONDITIONS

I Mr./Ms. -------------------- ---------------------residing at ------------------------ ---------------------------------------- do hereby authorise Paisabazaar Team ,to do all acts on my behalf as may be necessary including to execute/sign application(s), make payment of applicable fees* and generally to all other acts as may be necessary to receive, on my behalf and at my request, my Credit Information Report (CIR) from Equifax Credit Information Services Private Limited("Equifax") at the following address/email id:

I hereby confirm that all the powers hereby conferred may be exercised by officer(s) or manager(s) / agent(s) / employees of the Paisabazaar who is duly authorized by the Paisabazaar.

I hereby confirm, agree, undertake and accept that I shall at all times be solely responsible for all the above actions and omissions of the Paisabazaar shall be binding on me as though such actions had been carried out by me directly. I further confirm that my CIR shall be used only for the purpose as mentioned in the attached standard terms and conditions and I shall be solely liable for, and indemnify and hold harmless Equifax for and against, any and all third party claims or damages or proceedings of any kind, arising from or in connection with (a) any misrepresentations, incorrect information or omission of any critical information in my application, or (b) furnishing my CIR based on this authorization letter, and shall not at any time hold Equifax or its affiliates and their respective officers, directors, employees or representatives liable in this respect.

I hereby also confirm that I have only appointed Paisabazaar to be my authorized agent/representative for collection of my CIR.

I undertake to keep Equifax intimated and informed at all times, of any renewals or termination of the authorization to Paisabazaar or any amendments, modifications or changes in the terms governing the obligations or my relationship with Paisabazaar.

I shall at all times co-operate with Equifax and execute and deliver to Equifax such instruments and documents and take such other actions as may be required by Equifax from time to time in connection with this authority letter.

By signing on this authorization letter, I hereby acknowledge and accept the Standard Terms and Conditions mentioned above.

Date : 18/02/2020

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :18/02/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

EXPERIAN TERMS AND
CONDITIONS

YOU HEREBY APPOINT PAISABAZAAR AS YOUR AUTHORISED REPRESENTATIVE TO RECEIVE YOUR CREDIT INFORMATION FROM EXPERIAN.

YOU HEREBY IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY EXPERIAN TO YOU AND PAISABAZAAR AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN. YOU HEREBY ALSO AGREE AND ACKNOWLEDGE THAT FOR PAISABAZAAR TO SERVICE YOU AS A CUSTOMER, THE CREDIT INFORMATION SHALL BE SHARED BY EXPERIAN WITH YOU AND PAISABAZAAR ON A MONTHLY BASIS. YOU FURTHER ALSO AGREE AND CONSENT TO RECEIVE SUCH CREDIT INFORMATION DIRECTLY FROM EXPERIAN AND ALSO THROUGH YOUR PAISABAZAAR ACCOUNT AS PER YOUR INDEPENDENT REGISTRATION WITH PAISABAZAAR.

Please read the Terms and Conditions of this document carefully before accepting. By clicking on the "I ACCEPT" button below, you are expressly agreeing to access the Experian Credit Information Report and Credit Score (as defined in the Important Information Section below) (together referred as "Credit Information") and share a copy of the Credit Information with Paisabazaar in the "as is" format. Please click on the link below to read and understand the Important Information section below.

** This document is an electronic record in terms of the Information Technology Act, 2000 and Rules made there under, and the amended provisions pertaining to electronic records.

Information Collection, Use, Confidentiality, No-Disclosure and Data Purging

PAISABAZAAR/ We/ Us can only access your Credit Information as your authorized representative and we shall use the Credit Information for limited end use purpose consisting of and in relation to the services proposed to be availed by you from us on the Website. We shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein.

We shall protect and keep confidential the Credit information both online and offline and use best in class security measures in line with applicable laws. The Credit Information shared by You, or received on your behalf shall be destroyed, purged, erased promptly upon the earlier of: (i) your written request to terminate this relationship with Paisabazaar (ii) the completion of provision of the Services by us to you.

Governing Law and Jurisdiction The relationship between you and the Parties shall be governed by laws of India and all claims or disputes arising there from shall be subject to the exclusive jurisdiction of the courts of [Mumbai].

Definitions: Capitalised terms used herein but not defined above shall have the following meanings:
"Credit Information Report" means the credit information / scores / aggregates / variables or reports which shall be generated by Experian;
"Credit Score" means the score which shall be mentioned on the Credit Information Report which shall be computed by Experian.
"CICRA" shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.
PLEASE READ THE ABOVE MENTIONED IMPORTANT INFORMATION AND CLICK ON "ACCEPT" FOLLOWED BY THE LINK BELOW TO COMPLETE THE AUTHORISATION PROCESS FOR SHARING OF YOUR CREDIT INFORMATION BY EXPERIAN WITH YOU AND PAISABAZAAR, IN ITS CAPACITY AS YOUR AUTHORISED REPRESENTATIVE.
BY CLICKING "ACCEPT" YOU AGREE AND ACCEPT THE DISCLAIMERS AND TERMS AND CONDITIONS SET OUT HEREIN. THE TERMS AND CONDITIONS MENTIONED HEREIN MAY CHANGE IN ORDER TO COMPLY WITH GOVERNING LAWS OF THE COUNTRY AND THE CONSUMER SHALL BE BOUND TO ANY CHANGES TO THIS AGREEMENT

Name :
Date : 18/02/2020

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :18/02/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

CRIF HIGH MARK TERMS
AND CONDITIONS

This End User Agreement (the "Agreement") is made between you (the "User" or "You") and Paisabazaar Marketing and Consulting Pvt Ltd ("PaisaBazaar"), a private limited company having its registered office at Plot No 119, Sector-44, Gurgaon-122001, Haryana ("PAISABAZAAR", "Us" or "We", which term shall include its successors and permitted assigns). The User and PAISABAZAAR shall be collectively referred to as the "Parties" and individually as a "Party".

YOU HEREBY APPOINT PAISABAZAAR AS YOUR AUTHORISED REPRESENTATIVE TO RECEIVE YOUR CREDIT INFORMATION FROM CRIF HIGH MARK. BY EXECUTING THIS AGREEMENT / CONSENT FORM, YOU ARE EXPRESSLY AGREEING TO ACCESS THE CRIF HIGH MARK CREDIT INFORMATION REPORT AND CREDIT SCORE, AGGREGATE SCORES, INFERENCES, REFERENCES AND DETAILS (AS DEFINED BELOW)(TOGETHER REFERRED AS "CREDIT INFORMATION"). YOU HEREBY ALSO IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY CRIF HIGH MARK TO YOU AND PAISABAZAAR BY USING CRIF HIGH MARK TOOLS, ALGORITHMS AND DEVICES AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN. YOU ALSO ACKNOWLEDGE THAT YOU SHALL NOT RAISE ANY CLAIM OR HOLD LIABLE CRIF HIGH MARK CREDIT INFORMATION SERVICES PRIVATE LIMITED IN RELATION TO YOUR CREDIT INFORMATION REPORT AND CREDIT SCORE PROVIDED OR TO BE PROVIDED BY CRIF HIGH MARK TO PAISABAZAAR.

Terms and Conditions: Information Collection, Use, Confidentiality, No-Disclosure and Data Purging PAISABAZAAR shall access your Credit Information as your authorized representative and PAISABAZAAR shall use the Credit Information for limited end use purpose consisting of and in relation to the services proposed to be availed by you from PAISABAZAAR. PAISABAZAAR shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein.

The Parties agree to protect and keep confidential the Credit Information both online and offline. The Credit Information shared by you, or received on by us on your behalf shall be destroyed, purged, erased promptly upon request from the consumer or the consumer withdrawing the consent to retain such credit information / reports by deleting/deactivating the consumers account with Paisabazaar.

Governing Law and Jurisdiction Definitions: Capitalised terms used herein but not defined above shall have the following meanings:
" Business Day" means a day (other than a public holiday) on which banks are open for general business in Gurgaon and Mumbai.
" Credit Information Report" means the credit information / scores/ aggregates / variables / inferences or reports which shall be generated by CRIF High Mark;
" Credit Score" means the score which shall be mentioned on the Credit Information Report which shall be computed by CRIF High Mark.
" CICRA" shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.
IN CASE THERE IS ANY DISCREPANCY OR INABILITY IN COMPLETION OF ONLINE AUTHENTICATION, PLEASE SUBMIT YOUR SELF ATTESTED KYC DOCUMENTATION IN SCANNED COPIES FOR SHARING OF YOUR CREDIT INFORMATION BY CRIF HIGH MARK WITH YOU AND PAISABAZAAR (YOUR AUTHORISED REPRESENTATIVE).
ONLINE SUBMISSION - DOES NOT REQUIRE SIGNATURE AND EXECUTION"

Name :
Date :18/02/2020

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Read in English
Updated: 17-02-2020 05:39:02 AM

एचडीएफसी बैंक न्यूनतम कागज़ी कार्यवाही और जल्द मंजूरी के साथ व्यक्तिगत ऋण प्रदान करता है, जिससे व्यक्तियों के लिए आर्थिक इमरजेंसी के समय धन का उपयोग करना आसान हो जाता है। आप 40 लाख रु. तक की लोन राशि का लाभ उठा सकते हैं।जिसे 12 से 60 महीने कि आसान अवधि के भीतर चुकाया जा सकता हैं।

 इस पेज पर पढ़े:

एचडीएफसी बैंक के व्यक्तिगत ऋण की विशेषताएं

लोन राशि : एचडीएफसी बैंक 50,000 रु. से 40 लाख रु. तक की लोन राशि का पर्सनल लोन प्रदान करता है।

आसान अवधि : एचडीएफसी बैंक के व्यक्तिगत ऋण की अवधि 12 से 60 महीने  तक  होती  है  और  इसे  किसी  व्यक्ति  द्वारा  अपनी  भुगतान क्षमता के अनुसार चुना जा सकता है।

न्यूनतम दस्तावेज : एचडीएफसीबैंक के व्यक्तिगत ऋण आवेदन की पूरी प्रक्रिया आसान है और इसके लिए न्यूनतम दस्तावेज की आवश्यकता होती है।

पर्सनल लोन सिक्योरिटी : एचडीएफसी बैंक के ग्राहक लोन के साथ ‘सर्व सुरक्षा प्रो’बीमा लेकर निम्नलिखित लाभ प्राप्त कर सकते हैं:

  1. बकाया लोन राशि के बराबर क्रेडिट शील्ड कवर
  2. एक्सीडेंट होने पर 8 लाख रु. तक का मेडिकल कवर
  3. दुर्घटना में मौत/ विकलांग होने पर 1 लाख रु. तक का कवर

पर्सनल लोन बैलेंस ट्रांसफर : अपने मौजूदा व्यक्तिगत ऋण को एचडीएफसी बैंक में ट्रांसफर करके कम ब्याज दरों पर लोन प्राप्त करें। पर्सनल लोन बैलेंस ट्रांसफर के साथ, व्यक्ति निम्नलिखित लाभ उठा सकता है:

  • ट्रांसफर की गई मौजूदा लोन राशि पर ब्याज दरें 75% तक कम हैं
  • प्रोसेसिंग शुल्क पर छूट का लाभ रु 1999

एचडीएफसी बैंक पर्सनल लोन के साथ बीमा : मामूली प्रीमियम देकर, अधिकतम 8 लाख रु. तक का मेडिकल कवर और
गंभीर बीमारी  होने 1 लाख रु. तक के मेडिकल कवर का लाभ उठाएं।इन बीमा योजना के प्रीमियम को लोन राशि से काट लिया जाएगा।

एचडीएफसी व्यक्तिगत ऋण की ब्याज दरें

एचडीएफसी बैंक द्वारा व्यक्तिगत ऋण पर दी जाने वाली ब्याज दर 11.25% से 21.50% तक भिन्न होती है। हालांकि, पर्सनल लोन पर किसी व्यक्ति को प्रदान की जाने वाली ब्याज दर कई बातो पर निर्भर करती है जिसमें क्रेडिट स्कोर, आयु, रोज़गार, पुनर्भुगतान रिकॉर्ड, वर्तमान लोन, आदि शामिल हैं।

एचडीएफसी बैंक व्यक्तिगत ऋण – योगयता शर्तें

    • आपको एक नौकरीपेशा डॉक्टर, CA, प्राईवेट कंपनियों के कर्मचारी, केंद्रीय,राज्य और स्थानीय निकायों सहित
      पब्लिक सेक्टर में कर्मचारी होना चाहिए।
    • आपकी आयु कम से कम 21 वर्ष होनी चाहिए और आपकी अधिकतम आयु 60 वर्ष होनी चाहिए आपके पास कम से कम 2 साल का न्यूनतम कार्य अनुभव होना चाहिए और आपको अपने वर्तमान कंपनी के साथ कम से कम एक साल तक काम करना
      चाहिए।
    • आपकी न्यूनतम मासिक आय 15,000 रु. और यदि आप दिल्ली, मुंबई, बैंगलोर, हैदराबाद, चेन्नई, पुणे, अहमदाबाद, कोलकाता  और कोचीन में रह रहे हैं तो 20,000 रु. होनी चाहिए।

एचडीएफसी बैंक पर्सनल लोन/ व्यक्तिगत ऋण –आवश्यक दस्तावेज

  • पहचानका प्रमाण : पासपोर्ट/ वोटर आईडी/ आधार/ ड्राइविंग लाइसेंस
  • पते का प्रमाण : आधार/ वोटर आईडी / ड्राइविंग लाइसेंस / पासपोर्ट
  • अंतिम तीन महीने का बैंक स्टेटमेंट या अंतिम 6 महीने की बैंक पासबुक
  • फॉर्म 16 केसाथ- हाल की सैलरी स्लिप

ये भी पढ़े: एचडीएफसी पर्सनल लोन/ व्यक्तिगत ऋण दस्तावेज

पैसाबाज़ार में एचडीएफसी व्यक्तिगत ऋण के लिए आवेदन कैसे करें?

How to Apply for एचडीएफसी Personal Loan with Paisabazaar

  • आय, आवश्यक लोन राशि, शहर, फोन नंबर, आदि जैसे प्रमुख जानकारी के साथ पैसाबाज़ार.कॉम पर ऑनलाइन फॉर्म भरें
  • आपकी प्रोफाइल के अनुसार आपको कई बैंकों की लिस्ट प्राप्त होंगी
  • लिस्ट से अपनी सुविधा के अनुसार बैंक चुनें या सहायता के लिए पैसाबाज़ार.कॉम से संपर्क करें
  • अपना आवेदन जमा करें जो आपके चुने हुए बैंक को भेज दिया जाएगा
  • दस्तावेज़ अपलोड करें / दस्तावेज़ पिकअप शेड्यूल करें
  • बैंक के अधिकारी वेरिफिकेशन के लिए कॉल करेंगे
  • अप्रुवल और डिस्बर्सल

व्यक्तिगत ऋण वैरीफिकेशन प्रोसेस

    • आपके द्वारा पैसाबाज़ार.कॉम पर सभी आवश्यक फॉर्म भरने के बाद, आपका पर्सनल लोन/ व्यक्तिगत ऋण
      आवेदन बैंक द्वारा प्रोसेस किया जाता है
    • आपके लोन आवेदन को आगे बढ़ाने के बाद, बैंक प्रतिनिधि आपको लोन दस्तावेजों के पिक-अप शेड्यूल करने के लिए
      एक वेरिफिकेशन कॉल करेगा
    • एक बार जब आप सभी आवश्यक दस्तावेज जैसे KYC, आय प्रमाण, आदि दस्तावेज प्रदान करते हैं, तो बैंक उन्हें वैरिफाई करता हैं
    • वेरिफिकेशन के बाद, आपको अंतिम लोन राशि, ब्याज दर और आपके पर्सनल लोन की अवधि की पुष्टि के साथ बैंक
      से एक और कॉल मिलता है
    • एक बार जब बैंक आपकी तरफ से इस बात की पुष्टि कर देता है कि लोन की शर्तें स्वीकार्य हैं, तो लोन राशि ट्रांसफर कर देता है

एचडीएफसी व्यक्तिगत ऋण एप्लीकेशन स्टेटस जानें

  • आप आसानी से अपने एचडीएफसी व्यक्तिगत ऋण आवेदन का स्टेटस/ स्थिति की ऑनलाइन जान सकते हैं
  • आप या तो आवेदन नाम या रिफरेन्स नंबर दर्ज करें
  • जन्मतिथि या मोबाइल नंबर दर्ज करें
  • ‘Submit’ पर क्लिक करें

• Enter either date of birth or mobile number and click submit

फीस और अन्य शुल्क

लोन प्रोसेसिंग फीसलोन राशि का 2.50% तक न्यूनतम राशि ₹ 2,999 और अधिकतम नौकरीपेशा के लिए ₹ 25,000
प्री-पेमेंट या पूरा भुगताननौकरीपेशा:12 EMI के पुनर्भुगतान तक प्री-पेमेंट या पूर्व भुगतान की अनुमति नही है

बकाया लोन राशि का 25% तक ही EMI के अलावा कुछ अन्य भागों में चुकाया जा सकता है।

प्रीपेमेंट शुल्क
(मूल बकाया पर) /
आंशिक-भुगतान शुल्क[भुगतान राशि पर]		वेतन: 13-24 महीने – लोन मूलधन का 4% बकाया
25-36 महीने – लोन मूलधन का 3% बकाया
> 36 महीने – लोन बकाया का 2%
ओवरडुए EMI ब्याज2% प्रति माह EMI राशि सरप्लस पर
फ्लोटिंग दरलागू नहीं
फ्लोटिंग दर से फिक्स्ड रेट ब्याज़ दर में बदलने का शुल्कलागू नहीं
स्टाम्प शुल्क और अन्य वैधानिक शुल्कराज्य के कानूनों के अनुसार
चेक स्वैपिंग शुल्क₹ 500 + GST
अमोरटाइज़ेशन शेड्यूल शुल्क₹ 200 + GST
लोन रद्द कराने का शुल्कशुन्य (हालांकि ब्याज अंतरिम अवधि के लिए लिया जाएगा अर्थात लोन वितरण की तारीख से लोन रद्द करने की अवधि तक। लोन प्रोसेसिंग शुल्क को बरकरार रखा जाएगा।)
चेक बाउंस शुल्क₹ 550/- प्रति चेक बाउंस + GST
कानूनी / आकस्मिक शुल्कवास्तविक के अनुसार

एचडीएफसी बैंक पोर्टल पर लॉग-इन कैसे करें?

  • एचडीएफसी नेट बैंकिंग होम पेज पर जाएं
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Go to netbankking homepage and enter details

एचडीएफसी व्यक्तिगत ऋण स्टेटमेंट

  • नेट बैंकिंग में लॉग इन करें
  • लोन टैब चुनें और ‘Register New Loan‘ चुनें
  • अपनी जानकारी दर्ज करें
  • ‘Submit’ पर क्लिक करें
  • आपको अपने रजिस्टर्ड फोन पर एक ओटीपी मिलेगा। रजिस्ट्रेशन पूरा करने के लिए इसे दर्ज करें

EMI कैलकुलेशन

लोन मूलधन @ ब्याजअवधि
1 साल2 साल3 साल4 साल5 साल
2 लाख @ 11.25%₹ 17,699₹ 9344₹ 6571₹ 5193₹ 4,373
5 लाख @ 12%₹ 44,424₹ 23,536₹ 16,607₹ 13,166₹ 11,122
10 लाख @ 12.5%₹ 89,082₹ 47,307₹ 33,453₹ 26,579₹ 22,497
15 लाख @ 13%₹ 1,33,975₹ 71,312₹ 50,540₹ 40,241₹ 34,129

एचडीएफसी बैंक व्यक्तिगत ऋण की तुलना अन्य बैंको से

तुलना क्राइटेरियाएचडीएफसी बैंकबजाज फिनसर्वऐक्सिस बैंकसिटी बैंकICICI बैंक
ब्याज दर11.25% से 21.50%12.99% से शुरू15.75% से 24%10.99% से शुरू11.50% से 19.25%
अवधि12 से 60 महीने12 से 60 महीने12 से 60 महीने12 से 60 महीने12 से 60 महीने
लोन राशि₹ 40 लाख  रु. तक₹ 25 लाख  रु. तक₹ 50,000 से ₹ 15 लाख रु. तक₹ 30 लाख रु. तक₹ 20 लाख रु. तक
प्रोसेसिंग शुल्कलोन राशि का 2.50% तकलोन राशि का 3.99% तकलोन राशि का 2% तक GSTलोन राशि का 3% तकलोन राशि का 2.25% तक GST

एचडीएफसी बैंक कस्टमर केयर

आप एचडीएफसी बैंक के कस्टमर केयर नंबर 1800-258-3838 (टोल फ्री नंबर) पर कॉल कर सकते हैं।आप निम्नलिखित
नंबरों पर कॉल कर सकते हैं:

अहमदाबाद079-61606161
बैंगलोर080-61606161
चंडीगढ़0172-6160616
चेन्नई044-61606161
कोचीन0484-6160616
दिल्ली और एनसीआर011-61606161
हैदराबाद040-61606161
इंदौर0731-6160616
जयपुर0141-6160616
कोलकाता033-61606161
लखनऊ0522-6160616
मुंबई022-61606161
पुणे020-61606161

अनिवासी भारतीय इस पर कॉल कर सकते हैं :

अमेरीका855-999-6061
कनाडा855-999-6061
सिंगापुर800-101-2850
केन्या0-800-721-740
दूसरे देश91-2267606161
  • आप एचडीएफसी बैंक लिमिटेड, एम्पायर प्लाजा I, फर्स्ट फ्लोर, एलबीएस मार्ग, चंदन नगर, विखरोली वेस्ट, मुंबई – 400 083 पर बैंक को अपनी समस्या लिख सकते हैं
  • आप बैंक की नजदीकी शाखा में जा सकते हैं।

पैसाबाज़ार.कॉम में व्यक्तिगत ऋण के लिए आवेदन करने के लाभ 

सुविधाजनक : आप आसानी से अपने घर या कार्यालय में आराम से पर्सनल लोन/ व्यक्तिगत ऋण के लिए पैसाबाज़ार.कॉम के माध्यम से आवेदन कर सकते हैं। ऑनलाइन प्रक्रिया को पूरा करना आसान है और बहुत समय बचाता है

ग्राहकों के अनुकूल ऑनलाइन प्लेटफ़ॉर्म : उचित लोन विकल्प का निर्णय करने में आपकी मदद करने के लिए, पैसाबाज़ार लोन
राशि और प्रोसेसिंग शुल्क से लेकर फोरक्लोज़र शुल्क और अवधि विकल्पों तक की जानकारी प्रदान करता है

न्यूनतम दस्तावेज : जब आप पैसाबाज़ार.कॉम के माध्यम से लोन के लिए आवेदन करते हैं, तो आपको आय प्रमाण के साथ आईडी
और एड्रेस प्रूफ जैसे कुछ ही दस्तावेज उपलब्ध कराने के लिए कहा जाएगा

तुलना करें और चुनें : पैसाबाज़ार.कॉम पर आपको ब्याज दरों और अन्य विशेषताओं जैसे कि प्रोसेसिंग शुल्क, फोरक्लोज़र शुल्क, विभिन्न बैंक द्वारा दी जाने वाली छूट की तुलना करने देता है। इस तरह, आपको अपने EMI को सस्ती बनाने के लिए सबसे कम ब्याज
दर की पेशकश करने वाला बैंक चुनना होगा

महत्वपूर्ण पहलू

लोन राशि : जितना कम आप उधार लेंगे, उतनी ही आसानी से और आसानी से आप राशि का भुगतान कर पाएंगे। इसलिए, केवल आपातकाल के मामले में उधार लें और इसलिए नहीं कि यह आसानी से उपलब्ध है। इसके अलावा, अपनी भुगतान क्षमता
के अनुसार उधार लेना याद रखें क्योंकि जितना आप चुका सकते हैं उससे अधिक उधार लेना आपको कर्ज के जाल में फंसा सकता है

क्रेडिट स्कोर: यह बैंकों द्वारा आपके लोन आवेदन को मंजूरी देते समय सबसे महत्वपूर्ण कारकों में से एक है,आपका क्रेडिट स्कोर आपके पिछले लोन और क्रेडिट कार्ड के पुनर्भुगतान को दर्शाता है।इसलिए,अधिक क्रेडिट स्कोर होने पर पर्सनल लोन/ व्यक्तिगत ऋण के लिए अनुमोदन की आपकी संभावना में सुधार हो सकता है

ब्याज दरें और ब्याज भुगतान : ब्याज दरों का आपकी EMI पर प्रभाव पड़ता है। इसलिए, सस्ती EMI होने के लिए, न्यूनतम ब्याज दर की पेशकश करने वाले बैंक का चयन करना आवश्यक है।आप पैसाबाज़ार.कॉम पर विभिन्न बैंकों द्वारा ब्याज
दरों की तुलना कर सकते हैं। हालाँकि, यह भी ध्यान रखें कि लंबी लोन अवधि पर अधिक ब्याज का भुगतान करना होगा

अन्य शुल्क और फीस : ब्याज दर को छोड़कर, पर्सनल लोन / व्यक्तिगत ऋण से जुड़े कई अन्य शुल्क और फीस हैं। इनमें प्रोसेसिंग शुल्क, देर से भुगतान शुल्क, फोरक्लोज़र शुल्क, पार्ट प्री-पेमेंट शुल्क आदि शामिल हैं।भविष्य में किसी भी परेशानी से बचने के लिए
अपने बैंक से इन सभी शुल्कों के बारे में पूछना महत्वपूर्ण है

संबंधित सवाल

प्रश्न . एचडीएफसी बैंक से व्यक्तिगत ऋण के रूप में कितनी राशि ली जा सकती है ?
उत्तर : कोई व्यक्ति 50,000 रु. से लेकर 40 लाख रु. तक का व्यक्तिगत ऋण ले सकता है।

प्रश्न . क्या  एचडीएफसी बैंक में सैलरी अकांउट होने पर व्यक्तिगत ऋण प्राप्त करने में कैसे मदद मिलती है ?
उत्तर : हाँ, एचडीएफसी बैंक में सैलरी अकांउट होने पर कम ब्याज दरों पर व्यक्तिगत ऋण प्राप्त करने में कैसे मदद मिलती है।

प्रश्न . एचडीएफसी बैंक व्यक्तिगत ऋण बैलेंस ट्रांसफर क्या है ?
उत्तर : एचडीएफसी बैंक व्यक्तिगत ऋण बैलेंस ट्रांसफर की सुविधा प्रदान करता है, अगर आपने किसी अन्य बैंक से लोन
लिया हुआ है तो आप एचडीएफसी बैंक से कम ब्याज दर पर लोन लेकर उसे चुका सकते हैं।

प्रश्न . मुझे अपने लोन अकाउंट में परिवर्तित पता कैसे मिलेगा ?
उत्तर:यदि आप हमारे रिकॉर्ड में अपना पता बदलना चाहते हैं,तो आप निकटतम रिटेल लोन सेवा केंद्र पर जा सकते हैं और आवश्यक दस्तावेज जमा कर सकते हैं।

  • पते में परिवर्तन के लिए अनुरोध करें
  • सत्यापन के लिए आपके पते के प्रमाण की स्व-सत्यापित प्रति (आधार, ड्राइविंग लाइसेंस, मतदाता पहचान पत्र आदि)

प्रश्न . मैं एक स्व – नियोजित व्यक्ति हूं। क्या मैं  एचडीएफसी बैंक में व्यक्तिगत ऋण के लिए आवेदन कर सकता हूं ?
उत्तर :नहीं, एचडीएफसी बैंक योग्यता को पूरा करने वाले केवल नौकरीपेशा व्यक्तियों को व्यक्तिगत ऋण प्रदान करता है। स्व-नियोजित व्यक्ति हालांकि एचडीएफसी बैंक से बिज़नस लोन के लिए योग्य हो सकते हैं।

प्रश्न . मैं लोन के लिए आवेदन करने से पहले अपने  एचडीएफसी बैंक व्यक्तिगत ऋण  EMI की गणना कैसे कर सकता हूं ?
उत्तर :अपनी EMI जानने के लिए, आप पैसाबाज़ार.कॉम के पर्सनल लोन EMI कैलकुलेटर की मदद ले सकते हैं।यह एक ऑनलाइन टूल है जिसे मुफ्त में इस्तेमाल किया जा सकता है।

प्रश्न . एचडीएफसी बैंक व्यक्तिगत ऋण के विभिन्न प्रकार क्या हैं ?
उत्तर :वर्तमान में एचडीएफसी बैंक कई प्रकार के व्यक्तिगत ऋण की पेशकश नहीं करता है, हालांकि, इस लोन को विभिन्न उपयोगों जैसे यात्रा, चिकित्सा, होम रेनोवेशन खर्चों आदि के लिए लिया जा सकता है।

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