HDFC Bank Personal Loan

HDFC Bank Personal Loan
 4.0 / 5.0   by 2073 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

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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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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

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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 21 Aug 2014

HDFC Bank Personal Loan Details
Interest Rate (Monthly reducing balance) 13.49% to 20%
Processing Fees 1.5% 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

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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


HDFC Bank Personal Loan Reviews

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

    I applied for HDFC Personal loan they have good got facilities with them, its really good and even after negotiating with them or even if I apply for the new loan they will be providing only 15% interest rate which is much lower than the other Banks that its the only thing about HDFC otherwise its ok.

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

    HDFC Personal Loan my opinion is very good actually one thing has to be improved executives who calls us for the loan confirmation they did not furnish about the details it was auto debited from my account and after that i came to know that auto debit just show case to the customer tell the details about loan I have granted the loan I did not get any message send a copy of loan details just send the customer a copy of the loan tenure interest rate monthly payment emi date alt east one copy t the customer i furnished my details at bank bazaar then i got a call from hdfc.

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

    Actually i have the plan of taking a personal loan from HDFC Bank next month its ok kind of thing its neither high or nor too low range its a medium thing actually i know will get the closure letter and email and also we have to visit the branches and also branch is too far because the number of branches are very less

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    took a Personal Loan from HDFC BANK on BankBazaar.com Reviewed on
  • Validated User
    (2)

    HDFC Bank personal loan is very fast in picking up the doucments like increasing the cusotmer data base the executives visited my house he took all my documents they are demanding money there is condition for giving the money and after collecting the documents there was no response again called about 10 to 15 times and finally my loan was unapproved

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

    I have taken a personal loan from HDFC I took it from hdfc i have approached the bank directly it was good i mean service time line, low interest rate and service they provide with in a short time of span they disbursed the money overall its a good service

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

    I don't think they have not changed the status for my personal loan which I closed long back with HDFC bank from negative to positive. Due to some cheque issue few years back the remarks was happened after the complete settlement. Well comforatable with interest rates. No suggestions for them

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

    There was no issues i was just applying for a hdfc personal loan later on what i did was i just walked in to the branch and after inquiring with the bank and there was a little bit of confusion and finally from the main branch i took the personal loan from the main branch and not through the application submitted through bank bazaar.

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

    HDFC Personal loan it was good processing time was less with in 2 or 3 days it got processed and i am satisfied no suggestion its been good charges they took around rs 1000 if they reduce it will be good some processing fee this is what it is i will recommend hdfc personal loan

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

    I got the call from the HDFC Bank customer service executive only twice and the customer service executive came and collected the documents and after that there was no response from them till date, i made call back twice to the executives but there was no response, since no response i have canceled the personal loan application.

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

    The experience with the HDFC Bank was a disappointing service since i have applied for the personal loan for 3 lakhs but they said they can offer only 2 lakhs and the interest rate was also too high and there are no foreclosure options and since the rate of interest was too high i cancel my personal loan application with the HDFC Bank.

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

    I had a nice experience of applying for a personal loan with HDFC via bank bazaar website. It was a good offer, however the rate of interest good and the services & everything with HDFC are very good. Bank bazaar also supported well and I would rate them 5 out of 5.

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

    The experience was good HDFC Bank Customer service executive they contacted me regularly and make sure that all the process goes very smoothly and the documentation they made it very clear that what document i should submit and the person who came to collect the documents was also polite and after collecting the documents after four days i got the personal loan amount credited into my account.

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

    Recently I have applied for the personal loan through hdfc i have not received any loan or any money i just applied through bank bazaar and i received 2 or 3 calls from them and i have not taken that and the person said its 1,30000 is eligible for my salary need isaid only 150000 and that is why i have rejected not satisfied with hdfc calls previously my friends has taken a loan its not good.

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

    HDFC Personal loan i am not that interested for personal loan interest rate is more i required it that once not now i left it i dont required it now everything is fine and apart from interest rate no issues i did not get any calls after posting the request so i left that and i will recommend this to all.

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

    HDFC Personal Loan is good the reason was i already have a personal loan with Bajaj Alliance that is for 3 years and now my only understanding was 13.5% and currently the interest rate what am paying is 14.5% with Bajaj Finance and the offer was of 13.5% so i have to 24 pay emi from the current loan the emi is 17336 and i requested for a hdfc personal because of the interest as 13.5% when i checked the EMI its a high when compared with the existing amount and i have dropped the idea and hence Bajaj finance is cheaper than hdfc.

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

    Interest rate was very high, it was 18%, so I didn't get the loan. HDFC services was nice, but the rate of interest is high. Customer service is responsive, and nice. Very Quick response in terms of loan. If interest rate is lower, then it could be better.

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

    Person from HDFC had visited my residence and collected the documents as well. Earlier had applied for the AXIS and then later with HDFC bank and its in processing. Sometime, they charged interest rate of 18%, processing fees around 1000-2000. Overall the processing was OK. Customer must feel it must be lower interest rate.

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

    HDFC bank experience was good but I don't want to go for private banks. Government banks are offering good interest rates compared with banks. Response was very good, They don't see for my professional experience while getting my personal loan earlier. Simply they are giving the loan. Interest rates are high . No suggestions

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

    i have not applied for personal loan i have not taken it because i have got a better deal from othe rbank and that is why i h ave the droppped th idea of [esonal loan dcoumentaition realted process longe and i have directly contated iwth the b an k and i spoke wiht hte cusmer support with hdfc

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

    I applied within 3-4 days and I got immediately call, immediately collected documents and processed. HDFC bank no problem, it was quick processing and good support. Its 16% interest rate and processing charges for 5000. I applied for 1 lakh amount, I got 95,000 loan amount.

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