Multiple banks. Different interest rates. Call it a "conflict of interest".

HDFC Bank Personal Loan

HDFC Bank Personal Loan
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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
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03
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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
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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 18 Apr 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?

Taking a personal loan is no small undertaking, however, it need not be as painful, applying for one, as many people seem to believe. HDFC personal loans are designed to ensure that you have funds when you need them so that you can dispense them at your leisure. They have even introduced schemes that are meant to flatter the applicant and make the whole process of figuring out the eligibility for the HDFC personal loans quick and simple. There is some trepidation when it comes to applying for a personal loan for the very first time, but with HDFC all applicants are given a fair chance and all judgements, for the approval of the loan, are made on the basis of the same eligibility criteria as is applied to everyone else.

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 Rate

HDFC Personal Loan Interest Rates are very attractive and hard to overlook. If an applicant applied for, and was found eligible for, a personal loan from HDFC then he/she will pay an interest rate between 15.75% and 20% if they are salaried individuals. For those who default on payments the interest rate charged is 24% per annum on the outstanding amount from the date of default. If an individual chooses to cancel the loan the bank will retain the processing fee and will also charge an interest for the time between the issuing of the loan to the date it was cancelled on. No other charges will be levied in this case.


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.

  • If the applicant is salaried, which is to say that he/she is an employee of a private limited company or works for a public sector undertaking or a state or local body then they are eligible. Even doctors and chartered accountants are eligible to apply.
  • The applicant must be between the ages of 21 and 60 years old.
  • He or she must have a minimum of 2 years of work experience.
  • When applying for a loan, the applicant must have worked with the current employer for a minimum period of 1 year.
  • The net monthly income of the applicant should be Rs 12,000 per month or more.
  • If the applicant is a resident of any of the following cities then he/she should have a minimum net monthly income of Rs 15,000 per month. Ahmedabad, Bangalore, Calcutta, Chennai, Cochin, Delhi, Mumbai.
  • CIBIL scores will also be taken into account while deciding the eligibility of the applicant.

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.


News About HDFC Bank Personal Loan

  • New Mobile Solution for Merchants by HDFC Bank.

    India’s largest private sector bank, HDFC Bank is going to launch a mobile solution for merchants to help customers who like to buy goods and services over the phone. HDFC Bank develops this solution to hit the growing e-commerce market. This new service will be launched nationwide. As per this service, a merchant will get a console when he signs up for the service with HDFC Bank, which can be operated from his desktop and mobile. It enables merchants to send a bill or attach a picture to a customer from his mobile phone or desktop. The customer will receive a link through SMS or email which will lead to a payment page where the customer can safely enter his card details and make the payment.


    This new service offered by HDFC Bank will greatly benefit small merchants. The service comes with a plethora of benefits like receiving a merchant’s bill on mobile phones or desktops for which no app is required. Customers can pay instantly through their mobiles. This improves convenience for merchants and customers. The service will highly benefit restaurants, service providers, florists, grocers, small shops, e-tailers, chemists and professionals.

    13th March 2015

  • HDFC Bank Looks Towards Raising Fresh Capital

    HDFC Bank Ltd is planning to raise about ?4,500 crores through infrastructure bonds by the end of next month. Fresh out of a share sale earlier this month, HDFC Bank is all set to cash in on the expanding economy as well as falling rates – a trend that will continue for the next two fiscals.

    As retail demands gain traction, the applications for retail personal loans is also increasing. The banking sector is seeing a decline in stress as falling interest rates, lower inflation, and higher economic activity have helped raise capital.

    Following in the footsteps of Axis Bank Ltd, Kotak Mahindra Bank Ltd, Andhra Bank, and ICICI bank Ltd, HDFC Bank is all set to increase its presence in the infrastructure lending sector – currently amounting to 15% of its overall business. By doing this, the bank will feel no pressure from the RBI to give up to 40% of overall loans to small businesses, agriculture, and financially weaker sections of the country, as is the norm in all other sectors of lending.

    23rd February 2015

  • HDFC Bank’s Personal Loans Segments Prompt Credit Growth

    Even as HDFC Bank’s net profit showed a 20% increase for the third-quarter of its fiscal year, loan growth remains a point of focus for improvement. The country’s second-largest lender saw loans grow 17% in Q3, which was not comparable to growth in prior quarters but considering the backdrop of a poor economic environment in preceding years, loan growth across banks has been muted. This prompted many banks to push for growth in the unsecured loan segment.

    HDFC Bank’s retail loan book saw a rise in personal loans, as did most banks vying for business amidst poor uptake from corporate segments. Credit cards also presented opportunities for more business which the bank capitalised on. However, unlike many other banks, HDFC Bank maintained quality loan accounts and its bad loans remained at an admirable 1%.

    Although banks did witness rise in demand for credit from the corporate segment, it was mainly from the SME borrower-class which is considered riskier than large corporate borrowers.

    Until large corporates and secured retail loans show greater increase in demand, banks such as HDFC Bank will have to continue to strive for profits through quality retail loans and controlling operating costs.

    17th February 2015

  • HDFC Bank Posts 20.2% Growth In Q3 Net Profits

    HDFC Bank, India’s second largest lender after State Bank of India (SBI), posted a growth of 20.2% in net profits for the third quarter of the fiscal year. This increase is attributed mainly to an increase in loans, which saw a 17% increase for the quarter. Loan growth was prompted by demand for corporate credit, which saw an uptick in response to economic growth expectations. Retail credit also saw growth and both segments are expected to continue on an upward trend with more positive economic policy impetus from the government.

    The economic slowdown experienced during the Congress-rule was reflected in banks’ loan books. Lending to corporates had reduced with companies holding off on expansion activity. Banks, vying for business took on sketchy customers which resulted in an increase in NPAs. However, unlike many public-sector banks which faced this issue, HDFC Bank maintained its asset quality keeping bad loans at bay.

    Positive Q4 results are expected given a positive economic outlook and the strong capital stance of HDFC Bank to meet expected credit growth.

    16th February 2015

  • 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

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HDFC Bank Personal Loan Reviews

Customer Reviews
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  • Validated User
    (0)

    HDFC Bank personal loan process was very slow it took more than a month time actually for them to provide the loan. That too after repeated follow-ups. Actually I had some issues with my address and I have produced my company accommodation for the address proof however they did not accept that . They had some issues with that finally it was resolved. The interest rate and processing fee charged by them was okay.

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

    HDFC Bank personal loan was really good they took about a week time to process the loan. Everything was fine the rate of interest offered by them was okay which is 14%. I guess the processing fee charged by them was rs 2000 however HDFC bank is overall good.

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

    Overall HDFC Bank personal loan process is really good. Its much better than others as I got accurate information from them. I used to get calls from them for documents collection a. The rate of interest offered by HDFC Bank is 18.5% where as other banks were offering around 10%. It would be great if they reduce it so that they and gain more customers.

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

    Customer service is not good in HDFC bank for personal loan because I applied for personal loan but not yet received the loan amount. While I was applying HDFC said that in time period of four days amount would be disbursed but still waiting for the disbursal. Post documentation never got any response or status updates. Terms and conditions of HDFC are very flexible so that's the reason I have planned to take loan with them. Generally HDFC is fast in processing but not sure what happened in my present case.

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

    My feedback for HDFC Bank personal loan is good.. However the features of the loan are not that attractive. For example I am not allowed to foreclose the loan before a year. I am happy with the interest rate and processing fee charged by them. I have received all the documents pertaining to this loan.

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    neeraj took a Personal Loan from HDFC BANK on BankBazaar.com Reviewed on
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    , hyderabad
    Recommend Recommended by user
    Validated User
    (0)

    Customer service offered by HDFC Bank for the personal loan is really good. My only concern was what ever amount I expected I did not get that. I have been holding this account for years together. They were telling me that my credit score was not up to the mark as a result they were unable to provide the amount which was required by me. Everyone was helpful . The agent came to my place for documents collections and they infact gave some alternative for the missing documents. Interest rate offered by them was 18.4% and other banks were ready to provide 13%.

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

    I would like to rate HDFC Bank personal loan services as 4. The best part about them is the rate of interest offered by them was very low when compared with others. It is competitive as well. Processing fee charged by them was rs 2000 it is a little high as well. My only feedback for them is they have work on their times scales.

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

    I have closed a personal loan with HDFC and the service provided by HDFC through out the loan process was very good.I paid 24 EMI for the loan and the documentation process was average while compared to other banks they visited twice for collecting the documents.My whole transaction was through online and I use to track my loan status from online itself.I got a detail description about the amount which they deducted for fee and I am happy about the same. I felt I got a best service from HDFC because I hold a salary account with them for past 7years.

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

    The information which was provided online did not match with HDFC Bank. As they offered higher interest rate when compared with others. Similarly the processing fee charged by them was also high. Despite holding a savings account with HDFC Bank I am not allowed to foreclose the loan.

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

    HDFC Bank followed up very quickly . Everything was fine. The only thing was I was told that they will provide me a credit card based on the personal loan and I got transferred to other location they were unable to provide a credit card. I am very much happy with the interest rate and processing fee charged by them for the personal loan.

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

    HDFC Bank personal loan process is really good, my opinion is they did not provide the clear information about the product. I had to ask for the each and every information and get it from them . I got a good deal from them. Its been 2months now however I have not received proper documents yet , not even a soft copy.

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

    I was not very happy with the service provided by HDFC in the process of availing this personal loan. Initially they were ready to approve for 4lakh and after further discussion they reduced the amount to 2lakh and I am really dissatisfied with this happening. The documentation and other process was very fast and the customer service provided was also good.The fee that was collected was very high and the loan amount was disbursed on time.I will not recommend this Bank to my friends because I didnâ??t get the required amount of loan and I am not satisfied.

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

    HDFC Bank personal loan process is really good it is faster than others . As I got the loan within 10 days of time . There was some problem with the signature due which the entire process was delayed and it was fixed finally. The staff their was really good and they were very concerned as well.

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

    I personally went to HDFC Bank to submit the documents for the personal loan. That was the only issue I have faced. So far so good nothing much about it. I have mapped this personal loan with my savings account and the amount is getting transferred from my savings account every month and it is very convenient.

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

    Overall experience with HDFC Bank personal loan was really good. It is much better when compared with others. They totally took 10 days of time to provide this loan. However I was told that they will take only a week time to process the loan ,that was one of my concern. Good if they work on their time scales. When I was looking around for a better rate, I got to know that HDFC interest rate is competitive, however the processing fee charged by them was more. Good if they work on that so that they can try and gain more customers.

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

    It was a easy process to get this personal loan with HDFC because I hold a salary account with them.The documentation process was easy and they required only minimal documents from my side.I had a nice Experience with HDFC.The customer service provided was good and they were able to answer all my queries.The interest rate offered was very less which is 18% and the loan was disbursed very soon. I got the loan disbursed within 3-4 days and I am happy about the same.

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

    HDFC Bank personal loan is really good. I got a very good response from them on time. Processing is very fast I got the loan from them on time it took hardly 5 days of time for them to provide the loan. Interest rate offered by them was 14% approximately.

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    prasanta took a Personal Loan from HDFC BANK on BankBazaar.com Reviewed on
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    I had a pretty good experience with HDFC Bank. They were very fast, they kept their promises. Nothing much as everything was in place. It took hardly a weekâ??s time to get this personal loan and that is the best part about this loan. They did not ask for any additional documents they just asked for basic documents and that too it was a standard one.

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    nikhil took a Personal Loan from HDFC BANK on BankBazaar.com Reviewed on
  • Validated User
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    HDFC Bank personal loan executives are customer oriented. They came to my place for documents collection they collected all my documents and they responded well. There was a delay of 2 or 3 days for him to come for documents collection otherwise everything is perfect. I am happy with the interest rate offered by them which is 18% and it is good when compared with others.

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    dinesh took a Personal Loan from HDFC BANK on BankBazaar.com Reviewed on
  • Validated User
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    Though the person was always available with me over the phone HDFC Bank was not actually taking any action on time. Apart form that its been two months now since I have taken this personal loan I have not got any email communication from them confirming the loan details. It would be great if they lower the interest rate as well.

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    pushkar took a Personal Loan from HDFC BANK on BankBazaar.com Reviewed on
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