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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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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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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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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:

  • 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 Personal Loan Lenders

HDFC BANKHDFC BANKAxis BankAxis BankKotak Mahindra BankKotak Mahindra BankICICI BankICICI BankFederal BankFederal BankIDFC First BankIDFC First BankIndusind BankIndusind BankRBL BankRBL BankTata CapitalTata Capital
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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

Apne higher education ke liye loan liya tha

Muhje higher education ke liye loan chahiye tha. Paisabazaar pe apply kiya. Got it at the right time. Quite helpful.

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Puja DanuJan 22, 2026

Sabse jada helpful log the yaha

Maine bht jagah try kiya tha personal loan ka, yaha try kiya toh helpful log mille. Har steps mai aram se samjhaya or usse muhje loan lene mai jda dikkat nhi aayi.

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Anuradha GuptaJan 21, 2026

Meri shaddi thi

Shadi mai bht kharche hote hai. Maine shaddi ke liye personal loan paisabazaar se liya tha. Process smooth tha or interest bhi sahi milla.

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Sadia KhatunJan 15, 2026

Travel ke liye personal loan liya tha

Mai bohot din se out of India ghumne jana chahti thi lekin jab jane ka time mila toh budget kaam padh raha tha, Paisabazaar se personal loan leke bht acha trip kiya. Maza agaya. Mere upar koi burden bhi nhi padha

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Tarini RoyJan 14, 2026

Easy personal loan available

Took personal loan. Good experience.

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Ruchika TiwariJan 14, 2026

Medical Emergency thi, loan jaldi mil gya

Muhje ek medical emergency ke liye personal loan lena padha. Paisabazaar pe bht jaldi or smooth process tha. time pe kaam agaya.

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Raj SinghJan 13, 2026

Compare karke sahi rate mila

Loan offers jab comapre kiya toh pata chala konse loan lene se muhje sahi mai faida hoga. Isiliye Paisabazaar muhje best laga.

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Akrity PandeyJan 5, 2026

Personal loan fatfat mai mil gaya

Muhje paiso ki urgent need thi. Paisabazaar se loan jaldi or sahi rate pe mil gaya.

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Riya MehraJan 5, 2026

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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Tanmay BorkatakiDec 12, 2025

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
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