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HDFC Bank Personal Loan Ratings
4.0 / 5.0 by 1063 users

Fees & Charges

Promised Interest Rate

Customer Service

Responsiveness

HDFC Bank Personal Loan Reviews

"HDFC Bank customer service and response was really good.It was simple to use and have not good benefits like converting my due payment into EMI option,EMI option are mostly offered by bank, if offer is available then it will be converted other wise pay whole amount, online portal is good at HDFC Bank. I will recommend HDFC Bank to my friends........ "

, Noida
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HDFC Bank Personal Loans

BankBazaar.com offers online application for HDFC Bank Personal Loan, with minimal documentation and quick approval.

HDFC Bank Personal Loan Rate

HDFC Bank personal loan interest rates start as low as 14.25%. Check your eligibility now!

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Compare HDFC Bank personal loan rates and fees customized for your profile, and apply online on BankBazaar.com to get quick approval.
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HDFC Bank Personal Loan

salaried self employed

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HDFC Bank Personal Loan Overview

HDFC Bank Personal Loan Apply on BankBazaar.com for a HDFC Bank Personal Loan

Need urgent cash? HDFC Bank personal loans can help you meet financial aspirations for any purpose. Apply online for a HDFC Bank personal loan at BankBazaar.com and save thousands. Get fast approval for your HDFC Bank personal loan with simple documentation process and low processing fees. Check your Eligibility Now!

Why Apply for a HDFC Bank Personal Loan on BankBazaar.com?
  • Customized Offers: BankBazaar.com has partnered with HDFC Bank to give you customized personal loan offers.
  • Low Interest Rates: We have negotiated with HDFC Bank to get you the best personal loan interest rates.
  • Comparison: BankBazaar.com helps you compare the personal loan offers of other banks with HDFC Bank on the basis of interest rate, EMI, processing fees & customer satisfaction.
  • Transparency: Based on your eligibility criteria and offers we show you the real time HDFC Bank personal loan interest rates, Processing fees, prepayment charges and your actual EMI on the loan amount.
  • Privacy: Once you apply for HDFC Bank personal loans at BankBazaar.com we send your application details electronically to HDFC Bank only. Your details are never shared with anyone else.
  • Trust:HDFC Bank, India's second largest private sector bank, uses BankBazaar.com-powered technology to give its customers the best personal loan experience on its website, www.hdfcbanksmartapply.com
Benefits of HDFC Bank Personal Loans:
  • HDFC Bank Personal loans can be taken for tenures of up to 5 years.
  • No security or collateral is required to get a HDFC personal loan
  • HDFC Bank Personal loan can be taken up to Rs. 15,00,000
  • Minimal documentation and quick approvals
  • Repayment through easy EMIs

HDFC Bank Personal Loan FAQs

1. How much loan can I avail of?

You can avail of a HDFC Bank personal loan from Rs 50,000 to Rs 15,00,000 depending on your income and repayment capacity. You can club the income of your spouse if you wish to increase your loan amount.


2. How do I repay my Personal loan?

You pay the loan in equated monthly installments. The loan will be paid through post-dated cheques or through Standing Instructions to debit your HDFC Bank account with the EMI amount.


3. What security do I need to provide to get the HDFC Bank personal loan?

There is no security or collateral required to get a HDFC Bank personal loan.


4. What are the loan tenure options?

You can repay your loan over a period of 12 to 60 months


5. How long will it take for me to get my loan?

Once you submit your application form and supporting documents, we shall give approval within 5 working days provided everything is in order. All loan approvals are at the sole discretion of the bank.


6. Is there any pre-closure charge for HDFC Bank Personal Loan?

HDFC Bank foreclosure fee is a nominal 4% as foreclosure charge of the principal outstanding on your loan.


7. Are there any benefits of having a HDFC Bank Salary Account for my Personal loan?

HDFC Bank offers special interest rates, instant processing and minimal documentation for HDFC Bank salary account holders.


8. If I already have an active personal loan with HDFC Bank, can I take another HDFC Bank personal loan?

Yes. HDFC Bank offers a top-up personal loan to customers who are currently running a personal loan with them. You will be eligible for a personal loan top-up, if you have paid all your EMIs on time and are still eligible for a loan even after accounting for your existing HDFC Bank personal loan.


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HDFC Bank Personal Loan Eligibility & Documentation

HDFC Bank Personal Loan Eligibility: You are eligible for a personal loan if you are:

  • Salaried individual
  • Self employed individual
  • Self employed professional like doctor, lawyer, etc.
  • Aged above 18 years
  • Have a good CIBIL credit score
  • Good repayment capacity with fixed & stable income source
  • Work for a stable company
  • Try our Personal Loan eligibility Calculator to check on the loan amount you are eligible for.

HDFC Bank Personal Loan documentation:HDFC Bank personal loan documentation process is minimal. Generally banks require the following documentation:

  • Identity proof (PAN card, Passport, etc.)
  • 3 to 6 months bank statement (if salaried then bank statement of your salary account)
  • Residence proof (rent agreement, property document, ration card, etc.)
  • Salary Slips
  • In case of self-employed applicants, banks require balance sheets, profit & loss accounts, partnership deeds & other documents etc.

HDFC Bank Personal Loan Interest RatesUpdated on 17 April 2014

Details of HDFC Bank Personal Loan

HDFC Personal Loan Interest Rate.(Monthly reducing balance)
14.25% to 22.5% fixed. Check Customized Interest Rates Now!
Processing Fees
2% to 2.5% of loan amount
HDFC Personal Loan Tenure
1 year to 5 years
HDFC Personal Loan Amount
Rs. 1 lakh to Rs. 15 lakhs
Pre-closure Charges
4% of pre-closed amount
Guarantor Requirement
No guarantor required

Personal Loan Articles

  • Pointers for your personal loan!
    Evaluate all loan offers. The first condition for loan offer selection is the total money outflow that the loan will cost. The second factor is the EMI. A loan offer with a lower EMI and a longer tenure may seem attractive, as it could be easy on your purse strings, however not all such loans prove to be cost effective in the long run.
  • Alternatives to a personal loan!
    Whenever people have a requirement for some urgent cash and cannot come up with the amount needed with the resources they have, they inadvertently apply for a loan from a bank. Getting a loan today has become very easy, what with the stiff competition prevalent among different banks.
  • A personal loan? Think twice!
    Personal loans are the one of the most widely chosen options, in case you are in a spot and need some urgent cash. However, personal loans are tricky and you need to know as much as possible about their basics before applying for one. Let’s start with some common questions.
  • Have more questions on loans? Ask us now!
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Personal Loan Forum

Comments: 37    Views:      September 26

Comments: 1    Views: 52     March 05

Comments: 1    Views: 25     February 28

Comments: 3    Views: 32     February 18

Comments: 2    Views: 32     February 12

Comments: 3    Views: 161     December 27

Comments: 0    Views: 3     December 16

Comments: 1    Views: 241     November 11

Comments: 4    Views: 91     October 17

Comments: 1    Views: 41     July 26

Comments: 2    Views: 34     July 28

Comments: 2    Views: 181     May 22

Comments: 2    Views: 161     May 17

Comments: 2    Views: 82     May 20

Comments: 3    Views: 62     April 22

Comments: 0    Views: 161     April 12

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Comments: 0    Views: 41     April 11

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Comments: 2    Views: 152     March 19

Comments: 1    Views: 11     March 14

Comments: 4    Views: 552     October 11

Comments: 0    Views: 51     October 01

Comments: 0    Views: 191     September 26

HDFC Bank  Personal Loan Reviews
Customer Reviews
Page 1 of 50 1 2 3 4 5
  • ' Good service'
    /images/customer_review/default-unknown-person.png
    UDAY YADAV, noida
    Yes, I recommend this bank.
    HDFC BANK Personal Loan
    4.0/5
    validated-source
    (1)

    HDFC Bank customer service and response was really good.It was simple to use and have not good benefits like converting my due payment into EMI option,EMI option are mostly offered by bank, if offer is available then it will be converted other wise pay whole amount, online portal is good at HDFC Bank. I will recommend HDFC Bank to my friends........

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    Fees & Charges
    Promised Interest Rate
    Customer Service
    Responsiveness
    took a Personal Loan from HDFC BANK on BankBazaar.com Reviewed on
  • HDFC Bank  Personal Loan
    /images/customer_review/default-unknown-person.png
    MOHANA RANGASWAMY, coimbatore
    HDFC BANK Personal Loan
    5.0/5
    validated-source
    (0)

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    took a Personal Loan from HDFC BANK on BankBazaar.com Reviewed on
  • HDFC Bank  Personal Loan
    /images/customer_review/default-unknown-person.png
    NAVEEN MALLIKARJUN, bangalore
    Yes, I recommend this bank.
    HDFC BANK Personal Loan
    5.0/5
    validated-source
    (1)

    I like HDFC Bank credit card because its easy to access and they have 'n' number of branches and atm. Though i had a salary account with HDFC Bank i have opted for HDFC credit card,customer service and response was good enough and i got my card disbursement also soon.

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    Fees & Charges
    Promised Interest Rate
    Customer Service
    Responsiveness
    took a Personal Loan from HDFC BANK on BankBazaar.com Reviewed on
  • Good job
    /images/customer_review/default-unknown-person.png
    ROYAL JOHN, pune
    Yes, I recommend this bank.
    HDFC BANK Personal Loan
    4.5/5
    validated-source
    (2)

    Iam very happy to say that am a credit card holder of HDFC Bank for 3yr's, i like their customer service,prompt response and their features are quite exciting.HDFC Bank gives me excess time limit to repay my amount back during festival time that was really good and i haven't faced any problem with them.

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    Promised Interest Rate
    Fees & Charges
    Customer Service
    Responsiveness
    took a Personal Loan from HDFC BANK on BankBazaar.com Reviewed on
  • ' Good service'
    /images/customer_review/default-unknown-person.png
    LEO AMARNATH, bangalore
    Yes, I recommend this bank.
    HDFC BANK Personal Loan
    4.5/5
    validated-source
    (0)

    HDFC Bank was good in terms of charges,customer service,quick response, benefits and their transaction options are good. I like HDFC Bank verification process its quite simple and am glad to say that am a credit card holder of HDFC!!!!!!

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    Promised Interest Rate
    Fees & Charges
    Customer Service
    Responsiveness
    took a Personal Loan from HDFC BANK on BankBazaar.com Reviewed on
  • Exiting Offers
    /images/customer_review/default-unknown-person.png
    DHANANJAY PATIL , surat
    Yes, I recommend this bank.
    HDFC BANK Personal Loan
    4.0/5
    validated-source
    (2)

    HDFC Bank credit card customer service is good.Till date i have not used phone or net banking services as i have not faced any problem with my card.They have lot of offers on credit card especially when transacted on flip kart site.HDFC Credit card is accepted in all merchant outlets which is also an added benefit.

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    Promised Interest Rate
    Fees & Charges
    Customer Service
    Responsiveness
    took a Personal Loan from HDFC BANK on BankBazaar.com Reviewed on
  • Good experience
    /images/customer_review/default-unknown-person.png
    SHAKTHI PANDURANGA, bangalore
    Yes, I recommend this bank.
    HDFC BANK Personal Loan
    4.0/5
    validated-source
    (1)

    HDFC Bank was good in terms of charges,customer service,quick response, benefits and their transaction options are good. HDFC Bank security system was awesome,i haven't faced any problem yet with them. But it take much time to reach customer service executive after long procedure ,it will be good if they introduce a toll-free number option otherwise overall am happy to deal with them.

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    Fees & Charges
    Promised Interest Rate
    Customer Service
    Responsiveness
    took a Personal Loan from HDFC BANK on BankBazaar.com Reviewed on
  • 'Improvisation on their service'
    /images/customer_review/default-unknown-person.png
    GAURAV JAGAT, new delhi
    Yes, I recommend this bank.
    HDFC BANK Personal Loan
    3.0/5
    validated-source
    (1)

    HDFC Bank customer service and charges are very good.But am pretty disappointed on their response towards commitment,i have placed a request for emi option but the executive from HDFC Bank failed to keep his promise otherwise overall it was fine to deal with them.

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    Fees & Charges
    Promised Interest Rate
    Customer Service
    Responsiveness
    took a Personal Loan from HDFC BANK on BankBazaar.com Reviewed on
  • 'Good Service'
    /images/customer_review/default-unknown-person.png
    RAKHI CHOUKSEY, gurgaon
    Yes, I recommend this bank.
    HDFC BANK Personal Loan
    4.0/5
    validated-source
    (1)

    HDFC Bank customer service was good,though i have a salary account with them it was easy for me to avail HDFC Bank Credit card.But i have a suggestion for HDFC Bank on their customer service,the executive who spoke to me his rate of speech was really high otherwise am quite fine with their cash on card facility and limit was also good.

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    Fees & Charges
    Promised Interest Rate
    Customer Service
    Responsiveness
    took a Personal Loan from HDFC BANK on BankBazaar.com Reviewed on
  • Better than other banks
    /images/customer_review/default-unknown-person.png
    MANIKUTTAN C, thrissur
    Yes, I recommend this bank.
    HDFC BANK Personal Loan
    4.0/5
    validated-source
    (3)

    HDFC Bank service was good, they processed my loan at lower rates with regard to processing fee and rate of interest was normal. Overall HDFC Bank's charges was better when compared with other banks.Only issue faced was they took 7 days to credit the loan amount whereas they promised that they will disburse the loan within 4 days initially.

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    Fees & Charges
    Promised Interest Rate
    Customer Service
    Responsiveness
    took a Personal Loan from HDFC BANK on BankBazaar.com Reviewed on
  • Good Service
    /images/customer_review/default-unknown-person.png
    BALAJI DURAISWAMI, chennai
    Yes, I recommend this bank.
    HDFC BANK Personal Loan
    5.0/5
    validated-source
    (3)

    HDFC Bank did a wonderful work in processing my loan.They understood my requirement and did the loan disbursement very quickly. I felt very comfortable in transacting with HDFC Bank. Whatever services they are doing is awesome and should continue doing the same.

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    Fees & Charges
    Promised Interest Rate
    Customer Service
    Responsiveness
    took a Personal Loan from HDFC BANK on BankBazaar.com Reviewed on
  • Prompt and Quick Services
    /images/customer_review/default-unknown-person.png
    ALOK KUMAR, mumbai
    Yes, I recommend this bank.
    HDFC BANK Personal Loan
    4.5/5
    validated-source
    (2)

    HDFC Bank provided me prompt and quick services and no problem was faced in getting the disbursement from start to end of the loan process.Executives were very co-operative and did not demand for any alternate documents.Since i applied for the loan via bankbazaar, a good follow up was done for my case and they also played a very major role in sanctioning my loan."

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    Promised Interest Rate
    Fees & Charges
    Customer Service
    Responsiveness
    took a Personal Loan from HDFC BANK on BankBazaar.com Reviewed on
  • Easy Process with HDFC Bank
    /images/customer_review/default-unknown-person.png
    ROHIT BHANDARI, new delhi
    Yes, I recommend this bank.
    HDFC BANK Personal Loan
    4.0/5
    validated-source
    (1)

    Getting loan from HDFC Bank was a easy process and not too complicated.There was no hidden charges and everything was communicated well before. Documentation was simple and normal like other banks.Only issue faced with HDFC Bank was they refused to send correspondence to my office address which was bit worrying

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    Fees & Charges
    Promised Interest Rate
    Customer Service
    Responsiveness
    took a Personal Loan from HDFC BANK on BankBazaar.com Reviewed on
  • Quick Response
    /images/customer_review/default-unknown-person.png
    RUMMY GUPTA, new delhi
    Yes, I recommend this bank.
    HDFC BANK Personal Loan
    5.0/5
    validated-source
    (0)

    HDFC Bank is very transparent and client oriented. They gave very quick response in processing my loan and was able to tak e the disbursements within 5 days. HDFC Bank's interest rate is very Normal and documentation process is very simple.Good thing about HDFC is they did every thing on time.

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    Fees & Charges
    Promised Interest Rate
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    Responsiveness
    took a Personal Loan from HDFC BANK on BankBazaar.com Reviewed on
  • Prompt Services by HDFC BANK
    /images/customer_review/default-unknown-person.png
    SINCHITA MUKHERJEE, mumbai
    Yes, I recommend this bank.
    HDFC BANK Personal Loan
    5.0/5
    validated-source
    (0)

    I Had a good experience with HDFC BANK.Executives were prompt in their work. Everything was explained in detail with regard to Processing Time,Charges etc. They did the loan process very quickly and got my loan disbursed within a very short time. My suggestion for HDFC Bank is it will be better if they send a responsible person for document collection. Executive who came for document collection was disconnecting my calls whenever he was contacted. Executive could have responded to my call rather than disconnecting the line.

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    Promised Interest Rate
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    Customer Service
    Responsiveness
    took a Personal Loan from HDFC BANK on BankBazaar.com Reviewed on
  • HDFC Bank should cut down the processing fees
    /images/customer_review/default-unknown-person.png
    KARTHICK ASHOKAN, chennai
    Yes, I recommend this bank.
    HDFC BANK Personal Loan
    4.0/5
    validated-source
    (0)

    HDFC Bank's processing fee is very high when compared with other banks,they should process the loan without any charges like Axis Bank. Rate of Interest was lower and comfortable too. HDFC Bank takes minimum processing fee and received good response from them.

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    Fees & Charges
    Promised Interest Rate
    Customer Service
    Responsiveness
    took a Personal Loan from HDFC BANK on BankBazaar.com Reviewed on
  • Good Banks for Loans
    /images/customer_review/default-unknown-person.png
    SHASHIKANT TRIPATHI, varanasi
    Yes, I recommend this bank.
    HDFC BANK Personal Loan
    4.0/5
    validated-source
    (1)

    HDFC Bank is very good bank for loans.They provide grace period upto 30days for making repayments for loans.My loan got processed within 1 weeks time.Rate of interest given by HDFC Bank was comfortable and executives were very co-operative.

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    Fees & Charges
    Promised Interest Rate
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    Responsiveness
    took a Personal Loan from HDFC BANK on BankBazaar.com Reviewed on
  • Fast Processing System
    /images/customer_review/default-unknown-person.png
    SUGUNA N, hyderabad
    Yes, I recommend this bank.
    HDFC BANK Personal Loan
    4.0/5
    validated-source
    (0)

    HDFC Bank provided a good service to me by picking up the documents immediately.Executive Anu from Ameerpet Branch did a wonderful job and gave a timely assistance in processing my loan.HDFC Bank processing system is much faster when compared with other banks with good customer support.

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    Promised Interest Rate
    Fees & Charges
    Customer Service
    Responsiveness
    took a Personal Loan from HDFC BANK on BankBazaar.com Reviewed on
  • Good response received
    /images/customer_review/default-unknown-person.png
    CHANDRA KALAHASTI BABU, bangalore
    Yes, I recommend this bank.
    HDFC BANK Personal Loan
    4.0/5
    validated-source
    (0)

    HDFC Bank's response was nice and their customer service is good but their processing fee is bit high.HDFC bank needs to work on reducing the processing fee alone. I got my loan processing done within 10 days. Bankbazaar.com is a good website and very informative.

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    Promised Interest Rate
    Fees & Charges
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    took a Personal Loan from HDFC BANK on BankBazaar.com Reviewed on
  • Good Co-operation by HDFC Bank
    /images/customer_review/default-unknown-person.png
    JANAKIRAM MUVVALA, bangalore
    Yes, I recommend this bank.
    HDFC BANK Personal Loan
    5.0/5
    validated-source
    (1)

    HDFC BANK disbursed my loan within 1 week's time, executives were very co-operative in getting my loan processed and what ever loan information was shared that was accurate. HDFC BANK's customer service is awesome and their interest rate are lower when compared with other banks. Since i took the loan via bankbazaar.com ,i got good discounts on Processing fees

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    Fees & Charges
    Promised Interest Rate
    Customer Service
    Responsiveness
    took a Personal Loan from HDFC BANK on BankBazaar.com Reviewed on
Customer Reviews
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