HDFC Bank Personal Loan

HDFC Bank Personal Loan
 3.5 / 5.0   by 3429 users
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HDFC Bank, which was incorporated in 1994, is the fifth largest bank in India by assets. Over the years HDFC Bank has won the trust of its customers and has become a market leader in personal loans. Enjoy triple benefits when you take a personal loan from HDFC Bank - Faster loan, competitive pricing, transparency. On BankBazaar.com you can check your eligibility in seconds for a HDFC personal loan by filling in a short form and you can apply online. Read on to learn about the eligibility and documentation requirements for HDFC personal loan.


You’re probably eligible for an HDFC Bank Personal Loan if you are

01
02
03
04
HDFC Bank Personal Loan Minimum Age

At least 21 years old

HDFC Bank Personal Loan Maximum Age

Less than 60 years old

HDFC Bank Personal Loan Eligible Employment Type

Salaried or self-employed
with regular income

HDFC Bank Personal Loan Minimum Income

Earn more than the minimum
income required


Your HDFC Bank Personal Loan amount eligibility is based on these factors

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02
03
HDFC Bank Personal Loan Minimum Salary

Minimum income required
Rs.12,000 per month

HDFC Bank Personal Loan Maximum Loan Funded

Maximum allowed personal loan is Rs. 15 lakhs

HDFC Bank Personal Loan EMI

EMIs of other loans lower
your eligibility


Increase your eligible HDFC Bank Personal Loan amount by these steps

01
02
HDFC Bank Personal Loan Payoff Outstanding Credit Card Bills

Pay off your credit card bills

“HDFC

Choose longer tenure loan up to 5 years


Documentation needed to apply for an HDFC Bank Personal Loan

  • 1. Signed application form with photograph
  • 2. Copy of passport/voter ID card/driving license
  • 3. Processing fee cheque
  • 4. Last 3 months bank statement/6 months bank passbook
  • 5. Documentation for salaried applicants:
    • Latest salary slip
    • current dated salary certificate with the latest Form 16
  • 6. Documentation for self-employed applicants:

    • Latest Bank statement
    • Latest ITR or Form 16

HDFC Bank Personal Loan Interest RatesUpdated on 20 Dec 2014

HDFC Bank Personal Loan Details
Interest Rate (Monthly reducing balance) 13% to 20%
Processing Fees 0.5 to 2.5% of Loan amount
Loan Tenure 1 year to 5 years
Pre-closure Charges 4% of pre-closed amount
Guarantor Requirement No guarantor required

About HDFC Bank Personal Loan

HDFC Bank is one of the most popular private sector banks in the country, known for its professional banking and financial services. HDFC Bank is a market leader in personal loans as it offers a triple advantage to all loan applicants. Minimal documentation, quick loan approval and assured transparency makes HDFC bank the preferred choice of thousands of satisfied loan borrowers. HDFC Bank offers personal loans for both salaried and self employed individuals ranging from Rs. 50,000 to a maximum limit of Rs. 15 lakhs. With a flexible loan tenure ranging 12 to 60 months and a competitive interest rate, HDFC Bank offers one of the best personal loan services in the country.

The money borrowed through HDFC Bank personal loan can be used as per the needs and requirements of the applicant as there are no restrictions regarding the end use of the amount availed. Personal loans from HDFC Bank can be used for any immediate or short term financial needs like wedding expenses, home renovation, medical expenses, overseas travel, starting a new business or even in times of unexpected financial crunch.

Personal loans from HDFC Bank require no guarantor, security or collateral prerequisites and the bank offers instant loans approved in less than a minute.HDFC Personal Loan comes with a number of added benefits including a Personal Accidental Cover of up to 8 lakhs along with a Critical Illness cover of 1 Lakhs.

Why choose HDFC Personal Loan?

Many people prefer HDFC personal loans due to some or all of the below mentioned factors:


Minimal Documentation: HDFC Bank personal loans come with minimal documentation and quick loan disbursal. HDFC Bank has one of the fastest loan approval time compared to a number of other public sector and private banks.


Attractive Rate of Interest: HDFC offers personal loans at very competitive interest rates. Personal loans with HDFC Bank start as low as 15.75% interest rate.


Special Offers for Women Applicants: HDFC Bank offers a specialized discounted scheme for women known as the Personal Loan Diva Scheme. This scheme offers pre approved personal loans of Rs. 3 Lakhs to women applicants along with more than 100 Diva offers across various premium brands and products.


Dedicated Customer Support Helpline: HDFC Bank understands the need of customer support and service and has a 24/7 support helpline across all formats. Applicants can reach out to the bank through SMS, Webchat, Click2Talk and Phone Banking.


Free Insurance Cover: All personal loans approved by HDFC Bank come with an added benefit of personal accidental cover of up to 8 lakhs along with a critical illness cover of 1 Lakhs without any extra charges.


Features of HDFC Personal Loan

Personal loans from HDFC Bank come with a number of added benefits and incentives. HDFC Bank is known for their easy loan application process and wide branch network in every small town and even in many Indian villages. HDFC Bank also ensures maximum quantum of loan is offered to each applicant as per their financial credential, repayment history and CIBIL score. Some of the main advantages that make HDFC personal loan such a popular choice with loan applicants include:


Quick Loan Disbursal: HDFC Bank makes sure that loan applicants do not have to go through any long delays and has one of the fastest loan disbursal time compared to a lot of their private sector as well as public sector banks in the country.


Low Interest Rates: HDFC Banks offer competitive interest rates with loans available for salaried, self employed individuals, working professionals. Loans from HDFC Bank start as low as 15.75% interest rate for salaried individuals.


Online Loan Requests: HDFC Bank has been one if the pioneer banks to embrace technological up gradation. Taking this trait forward, HDFC Bank offers online loan applications and submissions with instant approval.


Low Prepayment Charges: HDFC Bank offers substantially lower prepayment charges for personal loans compared to other banks. Prepayment charges are completely waived off after a period of 36 months.


Why apply for HDFC Personal Loan on BankBazaar.com?

HDFC Bank has collaborated exclusively with BankBazaar.com, India’s most popular and well known financial marketplace to offer loan applicants an online loan submission facility. Users seeking personal loans with HDFC Bank can now simply use the online loan application tool at BankBazaar.com to check their loan eligibility and submit their loan applications if eligible.


Instant Loan Eligibility Check: The loan calculator tool at BankBazaar.com checks for personal loan eligibility for each applicant as per his or her financial details. This quick loan eligibility makes sure users do not have to spend a couple of days to know their eligibility for a personal loan. They can also apply for the loan instantly without visiting a bank branch.


Personalized Loan Quotations: BankBazaar.com’s loan calculator tool offers personalized loan offers for each applicant depending on his or her desired loan amount, tenure and personal financial track record.


Low Interest Rates: Loan applicants using Bankbazaar.com personal loan tool are offered the best rate of interest for their personal loan due to the active collaboration between HDFC bank and BankBazaaar.com.


Instant Approval: Eligible candidates who apply for HDFC Personal Loan through BankBazaar.com are given an instant e-approval, making them assured that their loan application has been processed, approved and forwarded to the designated loan department of the bank.


Real Time Tracking Facility: Users who submit their loan application online using BankBazaar.com can track the updates of their submission form using both email and SMS updates.


24/7 Customer Support: BankBazaar.com has a dedicated 24/7 customer support and helpline which is always ready to help with any grievances or questions from loan applicants.


How to apply for a HDFC Personal Loan on BankBazaar.com?

With BankBazaar.com, applying for a HDFC Bank personal loan is a simple 3 step process.


Step 1: Fill up the loan eligibility form with correct personal and financial details. The tool checks for your personal loan eligibility instantly as per HDFC’s norms and offers customized loan options available for you.


Step 2: You need to choose a loan option as per your need and repayment capacity. At this stage, you can compare various loan options and choose the most appropriate one.


Step 3: After choosing the plan, click submit. Now you receive an instant e-approval from BankBazaar.com.


We forward your application electronically to the loan processing department of your nearest HDFC Bank branch and the bank gets in touch with you very soon. Users can also check the status of their loan application through SMS alters as well as emails.

HDFC Bank Personal Loan Interest Rates

Rack interest rate Salaried - 15.75% to 20%
Loan processing charges Up to 2.50% of the loan amount subject to a minimum of Rs. 1,000/- & Maximum of Rs. 25000/- for Salaried Customers.
Prepayment Salaried - No pre-payment permitted until repayment of 12 EMIs
Pre-payment charges Salaried - 13-24 Months - 4% of Principal Outstanding, 25-36 Months - 2% of Principal Outstanding >36 Months - NIL
Loan cancellation charges NIL (However client would be charged interest for the interim period between date of loan disbursement and loan cancellation and processing fees would be retained.)
CIBIL Report Copy Charges Rs.50 per copy

HDFC Bank Personal Loan Eligibility

HDFC Bank offers personal loans to all applicants fulfilling the basic eligibility criteria.

Eligibility Criteria for Salaried Individuals

Age 21-60 years
Minimum Monthly Income Be earning at least Rs. 12,000/- per month net income (Rs. 15,000/- in Mumbai, Delhi, Bangalore, Chennai, Calcutta, Ahmedabad, cochin)
Loan Amount Rs, 25000 to Rs, 15,00,000
Processing Fee Up to 2.50% of the loan amount subject to a minimum of Rs. 1,000/- & Maximum of Rs. 25000/- for Salaried Customers.
Tenure 12 Months to 60 Months
Interest Rate 15.75 to 20%

Eligibility Criteria for Self Employed Individuals and Working Professionals:

Age 25-65 Years
Minimum Income Rs 60000 p.a. taxable income for Doctors and CAs. Rs 100,000 p.a. taxable income for Engineers, MBA Consultants, Architects, CS.
Maximum Loan Amount Rs. 15,00,000
Tenure 12 Months to 36 Months
Interest Rate 14.5 to 15%

How to calculate EMI for HDFC Bank Personal Loans

BankBazaar.com offers users a unique and state-of-art tool to calculate EMI for their loans in one click. BankBazaar’s online Personal Loan EMI Calculator is instant as well as accurate. Users can thereby understand their expenses towards the planned loan and adjust the tenure or loan amount to avoid later surprises.

BankBazaar.com’s online EMI calculator tool is very simple to use. All you need to do is to type the preferred loan amount, loan tenure and the applicable rate of interest. The EMI calculator then calculates and displays your EMI liability for the loan.

HDFC Personal Loan FAQs

  1. How do I know if I am eligible for HDFC Personal Loan?

  2. If you wish to apply for HDFC Bank personal loan, you can apply it with ease at BankBazaar.com. You may fill the online quick application form with your personal and financial details. Our loan calculator tool automatically checks your Personal Loan Eligibility and sends you instant quote.

  3. What are the advantages of applying HDFC Bank personal loan with BankBazaar.com?

  4. There are many advantages of applying for a HDFC Personal Loan online through BankBazaar.com. You can avail the best possible rate of interest for all online loan application submitted to HDFC Bank through BankBazaar.com. Another advantage is instant e-approval of loan with real time tracking facility for the loan application.

  5. What is the minimum and maximum amount of Personal Loan that I can get with HDFC Bank?

  6. HDFC Bank offers personal loan after considering the monthly income and other liabilities of the applicant. Personal loans are available from a minimum limit of Rs. 50,000 to a maximum of Rs. 15 Lakhs depending on the repayment history and personal financial credentials of the individual borrower.

  7. What is the tenure for which I can avail a Personal loan with HDFC Bank?

  8. HDFC Bank offers a tenure period of 12 to 60 months for salaried individuals and 12 to 36 months for self employed individuals and working professionals. The bank can however expand the tenure up to 60 months for self employed people in some cases.

  9. Does BankBazaar.com Charge for its Loan Calculator Tool Facility?

  10. BankBazaar.com loan calculator tool is absolutely free to use and there are no hidden charges for all the services you avail through us.

  11. Is BankBazaar.com providing any assistance for tracking my loan application?

  12. BankBazaar.com offers loan applicants with an active tracking tool through both email and SMS allowing users to track daily updates of their loan application. Updates are also provided by SMS to each loan applicant.

  13. How to use BankBazaar.com EMI Calculator Facility?

  14. BankBazaar.com offers a unique EMI calculator tool allowing users to get a unique insight into their loan EMI. Users can use the tool to know the EMI breakup for all loans in one click, after entering the loan amount, tenure and rate of interest.

  15. I am skeptical of sharing my personal data online. Is it safe?

  16. BankBazaar.com is a premier financial portal and does not share any data with any third party other than the financial institution concerned. All data is sent in electronic form with high level of encryption making it safe and secure at all times.


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News about HDFC Bank Personal Loan

  • Comparison parameters for
    personal loans!

    Currently there is a plethora of loan products that are being launched on a regular basis by the competing financial institutions in order to woo the prospective borrower. The range of personal loan products that available in the market is wide and often confusing. Choosing the right personal loan product that suits your requirements best can be quite a daunting task. Here are a few parameters that can be used to evaluate the suitability of a personal by comparison among similar products available in the markedly currently. Read more

    3rd May 2014

  • How EMI break ups are done in
    personal loans?

    While it is not very difficult now to take a personal loan, it is not so simple to pay back the loan. This is because personal loans are unsecured loans, and come with high interest rates. As a result, the Equated Monthly Instalment factor (or the EMI) can be a drain on your salary, depending on the amount and tenure for which you borrow. Read more

    11th March 2014

  • RIL among Barclays' top 133 stock picks for 2015

    Reliance Industries, TCS and Bharti Airtel are among the six Indian firms that figure in Barclays top 133 stock picks from across the world for 2015.
    Other Indian firms in the list include HDFC Bank, homegrown pharma major Lupin and Voltas.

    In its report Global Top Picks, Barclays expects the current bull market in global equities to continue, generating a total return of 9 per cent in 2015.

    RIL was the only stock pick in energy segment in Asia, while Bharti and Lupin were the only ones in telecommunication and healthcare segments.

    HDFC Bank shared space with China Cinda Asset Management Co, China Life and China Resources while TCS had Lenovo, LG, Media Tek and Largan Precision for company under technology head.

    Barclays global picks included 54 US stocks, 40 from Europe and Middle East, 23 from Asia (excluding Japan) and 16 from Japan.

    Predicting nearly doubling of earnings per share (EPS) and return on capital employed (ROCE) for RIL by 2021, it said the catalysts for growth should fall into place in the next 6 to 12 months as the company completes its USD 16 billion refining and petrochemical projects and launches its USD 12 billion telecom project.

    "A rebound in domestic (oil and gas) exploration and production (E&P) may help too should the government reassess its gas price decision," it said, adding, "the macro environment appears supportive as well with downstream margins rising despite lower oil prices."

    It expects RIL to launch its telecom venture by early 2015, the first module of its pet-coke gasification project (one of its two key downstream projects) in September 2015 and the new refinery off-gas based olefin cracker by March 2016.

    On HDFC Bank, Barclays said the bank "remains well positioned to benefit from a macro recovery owing to its strong deposit franchise, clean balance sheet and increased investment spending."

    Retail growth has been broad-based across key segments (personal loans, credit cards), and about 80 per cent of its fees are retail-related (which is best-in-class), it said, adding that HDFC Bank had little exposure to project finance, an area of system-wide stress.

    On Tata Consultancy Services, Barclays said the company is likely to outpace industry growth led by strength in large deal wins and continued efforts in account mining.

    While TCS is well positioned to benefit from high-growth Infrastructure Management Services (IMS) and Business Process Outsourcing (BPO) space, the company management is also focusing on increasing presence in digital technologies - a key emerging area in the IT services space, it said.

    Bharti Airtel, it said, is likely to be the biggest beneficiary of constructive, competitive and regulatory dynamics in the Indian telecom sector.Read more

    Mon, Dec 8, '14


HDFC Bank Personal Loan Reviews

Customer Reviews
Page 1 of 50 1 2 3 4 5
  • Validated User
    (0)

    Initial process was good and they delivered loan amount as per commitment. Interest rate should be between 13% to 14% but not very accurate about it. It would be nice if HDFC bank reduce the pre closure charge for personal loan as they charges 4% of outstanding amount. Documentation process was faster and smooth. I did face few issues initially as I was not informed the required cheque at the start where I came to know it by later.

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    bharati took a Personal Loan from HDFC BANK on BankBazaar.com Reviewed on
  • Validated User
    (0)

    I am quite satisfied by the services from hdfc bank when I availed my personal loan from them. They are offering some offers at times however I am not using it so far. The best part was their online banking . It was user friendly and easy to transfer the funds in online

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    arijeet took a Personal Loan from HDFC BANK Reviewed on
  • Validated User
    (0)

    Good customer care service in HDFC bank and they credited loan amount as earlier to my account. Interest rate and other charges are as per market so I am glad. Offered rate is 18.25% and including tax and insurance they deducted 1400 for processing charge. As being existing customer of HDC bank highly satisfied with HDFC personal loan.

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    jayul took a Personal Loan from HDFC BANK on BankBazaar.com Reviewed on
  • (0)

    Good interface to communicate directly with the concerned persons. Good bank which understands the customer needs and satisfies with good service. I recommend this for all the needs and necessities.......... Here am writing an essay. this is not good.

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    sathish took a Personal Loan from HDFC BANK Reviewed on
  • Validated User
    (1)

    Faster response and experience was recommendable. Main feature is that top up loan thus can avail top up loan post six months. Cannot recall interest rate but they fulfilled the commitments. Interest rate is like monthly reducing balance basis. On the whole I am satisfied with HDFC bank personal loan.

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    anshuman took a Personal Loan from HDFC BANK on BankBazaar.com Reviewed on
  • Validated User
    (0)

    Compared with other bank offering personal loan, HDFC charges rate of interest at a very less rate. Pre closure charges is too higher around 2% of the loan amount which could be minimized. Overall services is satisfactory.

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    arvind took a Personal Loan from HDFC BANK Reviewed on
  • Validated User
    (0)

    Indeed ! I have taken a personal loan with HDFC Bank. Due to certain reason, the process of the loan was delayed. I applied online after 6 days I got a call from them after chasing them they started processing my loan request. Finally, with in 15 to 20 days of time the loan was processed.

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    subhadeep took a Personal Loan from HDFC BANK on BankBazaar.com Reviewed on
  • Validated User
    (0)

    Services is good in availing personal loan from HDFC. HDFC bank provides different policy terms and conditions in mode of payment via on line. My requirements got fulfilled by availing the loan at a very good interest rate.

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    rajni took a Personal Loan from HDFC BANK on BankBazaar.com Reviewed on
  • Validated User
    (0)

    There is no foreclosure charge and processing fee was 0.89%. I have no idea about partial payment but interest rate is 14.86%, it seems to be good. During personal loan process I inquired HDFC bank to sanction 3.5lakhs but they gave only 2lakhs thus I advise HDFC bank to process loan amount, what the customer request for.

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    subhash took a Personal Loan from HDFC BANK on BankBazaar.com Reviewed on
  • Validated User
    (0)

    Foreclosure is nil percentage and it can be done only after six months. Rate of interest is 14.5% thus I feel glad on it. There was some delay in personal loan process as the process prolonged for extra three days. I suggest HDFC executives to be more interactive as there was some communication gap initially.

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    swamy took a Personal Loan from HDFC BANK on BankBazaar.com Reviewed on
  • Validated User
    (0)

    As far as my concern hdfc bank was having low interest rates when I availed my personal loan. They are best when compete with other banks. Service was quite good and user friendly and quick response. They are really helpful .They offered me quite reasonable interest rates

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    gaurav took a Personal Loan from HDFC BANK on BankBazaar.com Reviewed on
  • Validated User
    (0)

    It was really good and HDFC bank disbursed the loan within 3-4 days which was too faster. Executive was really helpful and would like to appreciate him. However, when compared with other banks, rate of interest as well as processing charges is higher.

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    mohd took a Personal Loan from HDFC BANK on BankBazaar.com Reviewed on
  • Validated User
    (0)

    HDFC bank fulfilled my expectations so very much satisfied. Interest rate is very less comparatively as they processed with 13%. Foreclosure charge is 4% if we do close in one year and 3% after two years. My experience was extremely good with HDFC bank.

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    kiran took a Personal Loan from HDFC BANK on BankBazaar.com Reviewed on
  • Validated User
    (0)

    Services is good and loan was disbursed within 2-3 days. The only drawback was the policy through which the personal loan was disbursed.They could have been clear in terms and conditions and could be communicative. Initially, they did approached me at lesser interest rate however it was disbursed the same with few confusions.

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    rajesh took a Personal Loan from HDFC BANK on BankBazaar.com Reviewed on
  • Its good!!!
    https://cdn1.bankbazaar.com/images/customer_review/default-unknown-person.png
    , bangalore
    Recommend Recommended by user
    Validated User
    (0)

    For loan amount of 1.4lakhs, HDFC offered 18% of interest rate. Actually I quoted for 2lakhs and they too informed that I am eligible but post documentation process, I been informed as 1.4lakhs. Rs.3000 was deducted for processing fee including insurance amount but really I did not plan to take insurance along with personal loan however no issues.

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    malaiarasan took a Personal Loan from HDFC BANK on BankBazaar.com Reviewed on
  • Validated User
    (0)

    With HDFC, its quite disappointing in availing personal loan. The process was too slower and there were few issues in terms of documentation where they missed up. Rate of interest is bit higher than other banks. Even processing fees is higher. The pre closure option is quite delayed where I need to wait for 6 months to 1 year with few charges.

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    ravikanth took a Personal Loan from HDFC BANK on BankBazaar.com Reviewed on
  • Validated User
    (1)

    Quiet good service as I am being with HDFC bank for more than 10 years and faced no issues till date. Rate of Interest is very less in HDFC bank in comparison to market. Charges and fee are high for personal loan so I suggest HDFC bank to minimize the charges. Verification part should not be there for existing customers and this is my suggestion for HDFC. Deducted processing fee was around 0.8%.

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    suresh took a Personal Loan from HDFC BANK on BankBazaar.com Reviewed on
  • Validated User
    (0)

    Very supportive staff and the service was very fast in HDFC bank. Loan amount was delivered on time and whatever they promised with respect to interest rate, processing fee, and other stuffs, the same were executed. They are good in customer support but it could be improved better. Personal loan process was satisfactory.

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    samir took a Personal Loan from HDFC BANK on BankBazaar.com Reviewed on
  • Validated User
    (0)

    Awesome experience it was with HDFC bank for personal loan. I think the processing fee was high as it was above 2000. EMI date is 4th of every month and it is fixed, I am quiet comfortable. HDFC bank should give proper response to customers regarding application.

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    vimal took a Personal Loan from HDFC BANK on BankBazaar.com Reviewed on
  • (0)

    I had applied for Personal Loan. It was good experience for me to get the best deal compare to other bank. I was offered good services for pre loan disbursement, but post loan disbursed, I didn't got any call related to IR,Tenure, EMI Amt Etc. ROI is Little bit high.

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    honeykumar took a Personal Loan from HDFC BANK Reviewed on
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