- HSBC India offers easy, online instant personal loans at competitive interest rates.
- The loan proceeds can be used for wedding, vacation, education, home renovation, etc.
- The lender also offers balance transfer facility to existing borrowers of other banks and NBFCs.
- The application is processed quickly and loan is disbursed instantly if you have an HSBC salary account.
- Applicants can avail a loan amount of up to Rs. 50 lakh depending on their repayment capacity and creditworthiness.
HSBC India Personal Loan
4.5/5
15.6L Reviews
5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed
Competitive 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
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
About HSBC India Personal Loan
HSBC India Personal Loan Highlights
| Interest rates | 9.75% p.a. onwards |
| Loan Amount | Up to Rs 15 lakh For Select Customers- Up to Rs 30 Lakh |
| Tenure | 6 months-5 years |
| Processing Fees | Up to 2% of loan amount |
| Minimum Net Annual Income |
|
Last Updated on 15th April 2026
HSBC India Personal Loan Interest Rates
HSBC India offers personal loan interest rates starting from 9.75% p.a. onwards. The lender offers differential interest rates depending on the credit score, job profile, monthly income, employer's profile, etc.
HSBC India Personal Loan Fees and Charges
| Processing Fee | Up to 2% of the loan amount. |
|---|---|
| Full/Partial Prepayment charges | Within 1 year – 5% Within 2 years – 4% Within 3 years – 3% After 3 years – 2% |
Avail Personal Loan for
All Your Needs

Avail Personal Loan for
All Your Needs
Eligibility Criteria for HSBC India Personal Loan
- Profession: Customers working in preferred corporates and existing HSBC customers
- Nationality: Resident Indian
- Age: For Salaried: 21-60 years
For self-employed: 21-65 years - Minimum Net Annual Income: For Corporate Employee Programme- Rs 4 lakh
For Other Customers- Rs 5 lakh
Documents Required for Personal Loan Application
ID Proof:
Address Proof:
Age Proof:
Financial Documents:
For Salaried Individuals
For Self-Employed Individuals
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
I do not have an account with HSBC? Can I avail HSBC Personal Loan?
Is there an option for partial loan disbursement?
Can the applicants prepay the HSBC Personal Loan?
What is the minimum credit score required to avail HSBC Personal Loan?
Do I have an option for partially prepaying the HSBC personal loan?
Do you need any security, collateral or guarantors while applying for HSBC Personal Loan?
Personal Loan Articles
View All ArticlesPaisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners.
The APR (Annual Percentage Rate) of a personal loan is its annualised cost of borrowing, which includes the interest rate as well as the processing fees, documentation fees and other fees charged during the loan origination. The APR is expressed in the form of a percentage and thus, allows personal loan applicants to detect personal loan schemes offered at lower interest rates but with higher processing fees and/or other charges.
The APR of personal loans usually ranges between 11.29% to 35%. For example, assume that you have availed a personal loan of Rs. 5 lakhs @ 10.50% p.a. with a repayment tenure of 5 years. The processing fee charged for this loan is 1.5% of the loan amount, which amounts to Rs 7,500. Therefore, the total borrowing cost of your personal loan will be Rs 1,52,317 and its APR will be 11.16%.
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