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HDFC Bank Personal Loan

HDFC Bank Personal Loan
 3.5 / 5.0   by 3796 users
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HDFC Bank, which was incorporated in 1994, is the fifth largest bank in India by assets. Over the years HDFC Bank has won the trust of its customers and has become a market leader in personal loans. Enjoy triple benefits when you take a personal loan from HDFC Bank - Faster loan, competitive pricing, transparency. On BankBazaar.com you can check your eligibility in seconds for a HDFC personal loan by filling in a short form and you can apply online. Read on to learn about the eligibility and documentation requirements for HDFC personal loan.


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

01
02
03
04
HDFC Bank Personal Loan Minimum Age

At least 21 years old

HDFC Bank Personal Loan Maximum Age

Less than 60 years old

HDFC Bank Personal Loan Eligible Employment Type

Salaried or self-employed
with regular income

HDFC Bank Personal Loan Minimum Income

Earn more than the minimum
income required


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

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02
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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 01 Mar 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 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.


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News about HDFC Bank Personal Loan

  • 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

  • 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
  • (0)

    it is like a crime, I wanted to re-pay ma loan in half tenure but found there penalties are more than my remaining principal . My point is its my loan and if I want to repay before tenure. why there is heavy penalty. other factor is why you deposit greater portion of my EMI into interest in the initial years of repayment

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

    Just now i struggled without cash and god's grace i found the Bankbazaar.com. It provides information where i have to go and what's my best. Today is the happiest day in life. this is right choice who need emergency and budgeted loans. Thank you Bankbazaar!

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

    The best banking service provided by HDFC Bank for the personal loan. This loan was taken a way back. I had paid off 36 instalments successfully and it was closed. I was paying through ECS. I had got the closure letter and NOC certificate also.

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

    Took personal loan two years ago and I did not compare fee with other banks however I am satisfied with HDFC bank. Good service offered by HDFC bank and so far no negative comments from my side. Interest rate is not much high where they offered something like 17.5%. Fore closure and processing charge is less in comparison to other banks. Top up loan option is there and also I have taken top up loan.

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

    I had taken a personal loan with HDFC Bank. I would like to rate them 5. The rate of interest offered by them was 18% to 19%. This interest was given based on my company. The processing fee charged by them is the least which is rs 400 or rs 500. The service offered by them is much better than ICICI as they have ask the customer to check the preferred EMI date while filling the ECS mandate itself. Where in case of ICICI Bank they will ask us to visit the branch.

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

    I appllied for 2.86000 pesonal loan I did not get proper response from the Basaveshwar nagar branch but when i approched to Malleshwarm branch I got the clear picture about my loan and again I reapplied with Basaveshwar nagar branch then finally its creadited.

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

    I had applied for the personal loan in the month of Jan'15, the sales executive called me up rigorously for the documentation which got completed by 30th Jan'15. Then on 10th feb i received a message that my loan has been sanctioned, i also received a call for the same from HDFC. on 11th i submitted the cheques and signed the agreement for the same, i was told by 13th evening or 14th morning i will get the disbursement. It didn't happen i called the executive i cut the call then i called up his supervisor he said he will look into the matter and revert next day. that day is yet to come. i called up customer service they told me my file is in disbursement process i will receive credit in next 48 hrs. that didn't happen then i received a call on last friday stating that the disbursement team just received my file and the amount will get credited on Saturday evening i asked for the delay they state that they were confused and gave lamest of reason, still awaiting for the disbursement.

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

    I have taken a personal loan from HDFC Bank. I am very much happy with the service offered by them. They took about 15 days of time to offer this loan. Documentation process was much better and simple. I am very much happy with the interest rate offered by them. Moreover HDFC Bank is the only Bank which offered me the loan when my salary is rs 15000 other banks are providing loan only if the salary is above rs 35000 so I am happy with them. They have offered me a loan amount of 1,50,000 the interest rate offered by them was 18.25% and they have only deducted insurance from the loan nothing else

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

    I have taken a personal loan with HDFC Bank. They were very much helpful. It was of great help to me when I was in need of that they provide that. The best part is there is no need for me to follow up with them. Things were pretty smooth and convenient. The only drawback is the same follow the same procedure for top up loan also.

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

    This is the best portal to see the interest rates of all banks and to apply. I applied for 1,50,000 amount and which it got disbursed in just one week. It has the best customer support and they will guide to the best deal. even if bank people doesn't respond properly, this customer support will follow up with bank if needed

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

    The amount that I have availed with HDFC bank was very less as it is just 20,000 and the interest rate is moderate. I did not inquire about fore closure because this is small amount. In the time period of 4 days the personal loan got disbursed without charging anything for service tax.

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

    I had taken a personal loan from HDFC Bank. They were very much informative. They have taken a very less time to provide the loan. Its an ongoing loan. I have given the instruction for the funds to get debited from my Axis bank account. It was only once I had an issue where I was unable to make the payment as I was not in station.

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

    Dear Radhika, I m sorry 2 say that but dis is d pathetic experience I ever had wid any bank. I ws one of d loyal customer of HDFC bank. However, in continuation of ur worst service first I withdrew my credit card frm u. Now u people find a word frm dictionary 4 me against my personal loan experience. I applied 4 personal loan on 13th of January 2015 n till date nobody get back 2 me wid my status of loan. 2 weeks before I spoken wid u abt d status but u said that my company verification is gng on n u ll get back 2 me on last Wednesday but still I m awaiting 4 ur call or response. U provided a mobile number but u people r champion enough 2 reject customer call. I salute HDFC bank 2 recruiting people 4 rejecting customer call. Its not about loan its all about customer experience. If my application ws nt eligible 4 loan dan u shld tell me instead of rejecting my call. Thank u team HFDC 4 directing me 2 change d taste of banking. Best Regards, Ambuj

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

    I have taken a personal loan from HDFC bank. They are very good in responding.This loan was actually taken at Mumbai. This is basically a top up loan. I was previously holding a loan for 75000 plus I have taken a top loan and the total amount offered by them was 2,80,000. This loan was transferred from Mumbai to Kerala. They have also provided preclosure options on this loan.

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

    I HAD TAKEN PERSONAL LOAN IN HDFC FIRST MONTH EMI GOT DEBITED FROM ACCOUNT, ON SECOND MONTH THEY SAID DUE TO ERROR WE COLLECTING CASH & GOT COLLECTED CASH & PROVIDED RECEIPT . IN THIRD MONTH THEY ARE TELLING YOU HAVE TO PAY PENALTY OF 650 RUPEES.

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    manjunath took a Personal Loan from HDFC BANK Reviewed on
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    (1)

    I had taken a personal loan from HDFC Bank previously. Even though I was staying a in a rented house they did not ask for address proof. They only asked for ID Proof and offer letter from my company. They did not ask to produce any letter from HR. The personal loan amount was around 50000. The rest was taken care by HDFC executive.

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

    The executive Ms. Neelam Shinde assisted me very well and she is giving quick response. I have taken loan of 2lakhs for the term of 3 years. Every month I have to pay 6300 in the date of 7th. Three thousand was collected from my side for insurance and insurance is mandatory for personal loan in HDFC bank. 15% is the interest rate.

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

    Fore closure charge is 2% of principal outstanding amount and this what offered to me for personal loan by HDFC bank. I have no issues with rate of interest as it is moderate. The interest rate for my loan is 18% and charge is 2%. Partial payment is possible post six months.

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

    I have taken a personal loan from HDFC Bank. They will come to our place to collect all the documents or we can send documents through mail as well they are very much co-operative they are ready to come to our place at any point of time. The turn around time is 4 working days. The processing fee charged by them was 3% the loan amount is 1 lakh. Foreclosure charges are 2% and the loan has been closed.

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

    I have taken a personal loan with HDFC Bank. The interest percent is very low which is 15% when compared with others as others are offering 18%. As my company is not listed as it is coming under b category. I have chosen this one and this loan was taken before 2 months and they took almost 4 days of time.

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