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HSBC India Personal Loan

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Competitive Interest Rates

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Quick Loan Approval

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Instant Loan Disbursal

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Digital Loan Application

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2839 Reviews

51M+Satisfied Customers
65+Lending Partners
800+Cities across India

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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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Compare & Choose the Best Offer

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Pre-approved Offers with Instant Disbursals

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Know Your Chances of Approval

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End-to-End Digital Process

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 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 Highlights

Interest rates 9.99% 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 For Corporate Employee Programme- Rs 4 LakhFor Other Customers- Rs 5 Lakh

HSBC India Personal Loan Interest Rates

Minimum Interest 10.15% p.a.
Maximum Interest 16.00% p.a.

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%

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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:

  • Voter ID
  • Passport
  • Aadhaar Card
  • Ration Card
  • Driving License
  • PAN Card
  • Defence ID Card
  • Government Employee ID Card
  • National Rural Employment Guarantee Act (NREGA) job card

Address Proof:

  • Society outgoing bill from registered societies only
  • Property tax bill
  • Gas bill
  • Driving License
  • Voter ID
  • Ration Card
  • Rent/lease agreement registered with State Government or similar registration authority
  • Domicile certificate with address issued by Municipal Corporation

Age Proof:

  • Birth Certificate
  • School Leaving Certificate
  • Passport
  • Driving License
  • PAN Card

Financial Documents:

For Salaried Individuals

  • Bank Statement with salary credit for last 3 months
  • Latest salary slip with statutory deductions
  • Form 16 (employer’s declaration with details of income and deductions, signed by the company’s authorized signatory)

For Self-Employed Individuals

  • Acknowledged ITR for last 2 years (mandatory)
  • Audited/certified P&L account and balance sheet
  • Bank Statement for primary account for past 6 months

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

Explore Our Hsbc Bank Lenders

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FAQs

HSBC offers personal loans only to its existing resident customers holding HSBC Liability Accounts (savings, current, fixed and recurring deposits), credit cards or home loan or those employed with select corporates.

The personal loan at HSBC is disbursed in one go. There is no option for partial loan disbursement.

Yes, the applicants can prepay the HSBC Personal Loan only after 6 months of loan disbursement. The applicant needs to intimate the bank in writing and pay according to the prepayment amount confirmed by the bank. Under the 30 Day Service Pledge Program, the borrower can close the personal loan within 30 days of loan disbursement, subject to the terms and conditions of 30 Days Service Pledge Program.

HSBC has not specified cut-off credit score for its personal loan applicants. However, the applicants with minimum credit scores of 750 and above have higher chances of availing personal loans at lower interest rates.

Yes, you can partially prepay up to 20% of the disbursed loan amount, only after 12 months from the date of loan disbursal. The partial prepayments can be made across two transactions in a year.

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What our customers say

Loan from Paisabazaar was actually paperless

I always used to think that the paperless loan is a myth. But on Paisabazaar, I applied for the pre approved loan from IDFC Bank and all documentation was already done. I just filled the form, did kyc and my loan was approved and disbuursed one the same day.

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Best place for a small loan

I have take loan of 60-70000 three times from paisabazaar in 4 years and every time it has been a very good experience. They provide the loan without failure and have also helped me improve my cibil.

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Aridaman Singh ParhichaDec 11, 2025

My loan got approved immediately

I wanted a loan and I was able to get it approved through Paisabazaar. It was instantaneous and I got the amount in my account in 2 days only.

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I get loan from here

I get loan from Paisabazaar here and it is very quickly given to me.

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Excellant EMI calculator and expert assistance available

The EMI calculator helped me choose the right repayment plan. Clear guidance at every step made the loan process really easy.

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Fully Digital Process for Real.

Loved the real-time loan status updates.Everything was handled online — didn’t have to visit any branch.

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Gautam BakshiDec 3, 2025

Lower Rate than My Own Bank

Got a lower interest rate than my bank was offering.Smooth digital verification and quick disbursal.

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Pre-approved offers with quick approval

I liked how Paisabazaar showed pre-approved offers without affecting my credit score. Customer support was prompt and helped me close the loan quickly.

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Suraj VermaDec 3, 2025

Same day approval. wow.

The loan was approved the same day — super smooth and transparent process.

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Shiv KumarDec 3, 2025

Best Loan Terms on My Credit Score in the Market

Paisabazaar helped me get a loan even with a borderline credit score. Really impressed with how smooth everything was.

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