HDFC Bank Personal Loan

HDFC Bank Personal Loan
 3.5 / 5.0   by 3745 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

01
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 01 Feb 2015

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)

    At the start of the November I applied for personal loan and got the amount at the end of the November. Very satisfied with the interest rate but processing charge is not up to the mark. The processing charge is 2000, which I never expected. My salary account is of one year old in HDFC bank but they were not ready to reduce the processing charge as they kept it as flat. I guess the interest rate is something around 14% which is competitive.

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

    HDFC bank is also good in personal loan processing but they are charging high interest rate where they offered more than 15%. They have taken 4000 of processing charge, which is around 2%. Other than that satisfied with customer service and response.

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

    I have account in HDFC bank so till date I never faced any issues. Interest rate is like 13% and all other banks are also under same range. I did not check with the pre closure for personal loan but they have some percentage for it. Due to existing account they just collected photographs and present address proof so there was no hassle in documentation process. HDFC collected something for processing charge but they have remitted it again.

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

    Except rate of interest HDFC bank is good in all the aspects. They delivered the loan amount as earlier that is in committed time period. Interest rate for personal loan is 12%. Three months ago I availed this loan and satisfied with HDFC bank.

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

    Recently I took personal loan from HDFC bank and for loan amount of one lakh they gave interest of 18.2%. For processing charge they have deducted around 4thousand. Did not face issues because they directly credited the amount in to my account. Overall I am happy with HDFC bank services.

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

    HDFC bank processed the personal loan on time. Actually this is like cash on call where I availed it through my credit card. The interest rate is 0.99% per month and I did not submit a single document. They just tracked my credit history and they approved the loan. Nil processing charge but the pre closure is 1%.

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

    Since 2010 I availed personal loan from HDFC bank and they processed the loan as soon as earlier. Amount that I have availed is 50,000 and received amount is 47,000. They have deducted 2000 and change for processing charge where this charge is also for insurance. Documentation process was smooth and I did not face any issues.

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

    I am privilege customer of HDFC bank and corporate account is running with them so the gave good service. Comparison to other banks in the market, HDFC bank is providing less interest rate for personal loan, which is 13%. The offered rate is fixed and charges are nominal. Approved amount is 2.3lakhs so for this they just deducted 3000. I have to maintain enough balance as the EMI date is 5th of every month. If they slow down the interest rate still, it would be nice.

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

    As I am holding a HDFC Bank account for the last 10 years. I did not face much problem with them. They have offered me a pre approved loan personal loan . Customer service offered by them was really good. I gave 3 cheque leaves nothing much it was just a top up loan. The same was processed within 4 days of time.

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

    Moderate rate of interest and charges. ROI is 13.5% and for processing charge HDFC bank collected 1200. I am concerned about time taken to process the personal loan amount because they have taken almost 20 days, which is too long. Documentation process was quick and I submitted all required documents. I would suggest HDFC bank to reduce the processing time and they have to process the loan in 6 days.

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

    I have taken a personal loan with HDFC Bank. I have closed it, because the DHFL asked me to close it as I had plans of purchasing a property as this was affecting my eligibility. Within a span of 4 days of time the executives came to my place to collect the documents within 3 days the entire process was completed. This was closed successfully. "

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    akash took a Personal Loan from HDFC BANK Reviewed on
  • nice
    https://graph.facebook.com/1250286388/picture?type=large
    , ahmedabad
    Recommend Recommended by user
    Validated User
    (0)

    its seems nice and helping so much to find any thing about bank.... and also i wish to give this reference to other also so that they can atleast search the best deal over here for once... I love this site really .............................................

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

    I am existing customer of HDFC bank so very satisfied with the time taken as they processed personal loan in a week time. I would say interest rate is nominal as it is 14%. Also fee and charges are reasonable. No part payment option in HDFC bank and this is one of the drawbacks.

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

    I have taken a personal loan with HDFC Bank. I am very much happy with their service. Within a span of 13 days they processed my loan . Documentation process was very simple. As I am already holding a savings account with HDFC Bank . It was very easy for me to apply and get the loan. I have received all my loan documents.

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

    It was good services rendered by HDFC in terms of personal loan. They provided a good deal for my needs and even the disbursal was quite good.I did get all regular SMS alerts regarding EMI payments.

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

    I got offer of 12% from HDFC bank for personal loan and I think it is fixed ROI. Each and every aspect is good in HDFC bank. Special benefit is that they have added insurance and they deducted around 5000 for it. Every month 5th I have to pay EMI and it is through salary account. Along with documents they have collected one PDC. Satisfied with HDFC bank as their approach was good.

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    Fees & Charges
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    kannoju took a Personal Loan from HDFC BANK on BankBazaar.com Reviewed on
  • Validated User
    (0)

    I have approached HDFC Bank for the personal loan. I never faced any issues with them. It is very easy for me to make on-line payment. Their technology is updated and everything is good. Key benefits about HDFC Bank personal loan are as follows firstly the interest rate charged by them was really good. Processing fee charged by them was very nominal which was rs 1100.

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    Fees & Charges
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    saroj took a Personal Loan from HDFC BANK on BankBazaar.com Reviewed on
  • Validated User
    (0)

    I provided all the documents that the executive asked but later they asked my address proof for several times apart from that everything is good. The process was slow where HDFC bank took almost three weeks to process the personal loan. Good rate of interest as I got for 13.9% and the pre closure charge is 3.5%. Post six months pre closure can be done, that is outstanding amount with 3.5%. Suggesting HDFC bank to process the application as earlier.

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

    I am holding a personal loan of HDFC Bank. It is a very good and easy way of taking loan. The documentation process was very good . This loan was taken before 3 years back . Disadvantages are during the start they charged me about rs 9000 for the loan amount of rs 3 lakhs which is relatively high. I am left with 4 years to complete this loan.

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

    I have taken a personal loan with HDFC Bank . They have waived off my processing fee that is one of the unique feature about HDFC Bank. Interest rate offered by HDFC bank is average. Only one instalment is left and that would be closed shortly.

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    amit took a Personal Loan from HDFC BANK Reviewed on
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