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User reviews
  • Personal loan with HDFC initially they informed well about the process, after arranging the documents they are not responding. The representative who was handling is not attending my calls. I would say they need to improvise on co ordination part and response.
    06:10 PM - Sep 20, 2014

    3.0/5 "Satisfactory"
  • Personal loan with HDFC they need to improvise on eligibility criteria, they require minimum 2 years of experience in current company in order to get approved for loan. Interest rate was nominal, response part is great. I would be great if they reduce the charges.
    04:13 PM - Sep 20, 2014

    ESUDAS SELVARAJ, chennai
    2.0/5 "Expected more"
  • I applied for personal loan with HDFC bank they offered very less loan amount it was not up to my expectation. They offered 70k, i am looking for 1.50lacs. Customer service was professional they informed all information clearly. It could have been great if they offered the loan amount as per my expectation.
    12:22 PM - Sep 20, 2014

    4.0/5 "Great!"
  • ICICI Personal loan it was smooth process my loan was approved in 7 days. They offered decent rate of interest at13.50% it was bit less when compare to other banks, service is very good. They charged rs2400/- including processing fee, it was quick process, i am happy with service.
    05:50 PM - Sep 20, 2014

    4.0/5 "Great!"
  • It was nice experience with HDFC bank in terms of personal loan. Service part is excellent, interest rate and charges is fine as per market value they offered. I am already their existing customer, the process is quite smooth as i have already taken personal loan from them.
    03:16 PM - Sep 20, 2014

    ATUL VASHISHT, bangalore
    5.0/5 "Blown Away!"
  • HDFC Personal loan they have collected all the documents, i am still waiting for the response, their was no proper information given, documentation part was bit difficult several times i need to submit. I would suggest they need to keep me informed abut my loan status. They have not informed about interest rate and charges yet.
    11:55 AM - Sep 20, 2014

    3.0/5 "Satisfactory"
  • I applied for personal loan with HDFC the loan amount which was offered was very less and rate of interest was bit high when compare to other banks. I would have taken the personal loan with them if they offered the loan amount as per my expectation with better interest rate.
    05:19 PM - Sep 20, 2014

    JOBI ABRAHAM GEORGE, bangalore
    3.0/5 "Satisfactory"
  • Personal loan with HDFC bank since my company was listed on their sheet they are not ready to provide the loan, they said interest rate will be 15%. I would suggest they need to consider for partnership farm companies in order to process loan. Response part was very quick.
    02:37 PM - Sep 20, 2014

    3.0/5 "Satisfactory"
  • Personal loan with HDFC bank they offered interest rate at 13.5% where as other private bank is offering me at 13% and charges is also comparatively high in terms of pre closure and partial payment. Their should have good co ordination and way of approach needs to improve. Their was no proper explanation given to me about the product.
    11:05 AM - Sep 20, 2014

    NAUSHAD ALAM, hyderabad
    2.5/5 "Just OK"
  • HDFC Personal loan i got loan approval in 8 days. I would suggest they need to be more faster on their process, they need to maintain what they commit initially they told i will be getting loan amount of 3.5 lacs at the time of disbursement they offered 2.10 lacs only. Interest rate was bit high when compare to other banks. It would be great if they improvise on commitment and interest rate.
    04:39 PM - Sep 20, 2014

    3.0/5 "Satisfactory"
  • It would be really great if hdfc bank may consider on interest rate in terms of personal loan. Since i am their existing customer i have many accounts with them. The communication part was great. Customer service and process is pretty good. I would like to say when other bank is offering without any relationship at less interest rate why cant HDFC.
    01:29 PM - Sep 20, 2014

    4.0/5 "Great!"
  • Personal loan with HDFC bank initially it was good the responded quickly and process was very fast but after collecting the documents their was no response. I tried calling at least 20 times in a day after that they responded. I would suggest they should keep me informed whether loan is approved or not.
    10:38 AM - Sep 20, 2014

    SUMAN SANYAL, kolkata
    4.0/5 "Great!"
BankBazaar Personal Loan is Rated as "Great!" by 5373 Users
 4.0 / 5.0   by 5373 users
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Fees & Charges

Promised Interest Rate

Customer Service



You're eligible for a Personal Loan if you:

That's 21 years old, same time that everything besides milk becomes legal too

Are legally adult enough to handle it

Less than 65 years of age, because sanguine golden years are for playing golf

Have still got it

Salaried or self-employed - whatever puts food on your table

Get a regular pay check

There's a minimum amount for that regular pay check

Make more than a basic buck

Your eligibility depends on

Personal Loan Minimum Salary

Minimum income required
Rs.17,500 per month

Personal Loan Maximum Loan Funded

Maximum allowed personal loan is Rs. 50K to Rs. 30 lakhs

Personal Loan EMI

EMIs of other loans lower
your eligibility

Boost your eligibility by

Personal Loan Payoff Outstanding Credit Card Bills

Pay off your credit card bills

Choose longer tenure loan up to 5 Yr years

Nothing gets done without that paperwork (which we'll happily carry over to the bank for you, no sweat). Here's what you'll need:

  • 1. Photo ID and age proof
  • 2. Signed application form with photograph
  • 3. Residence proof
  • 4. Last 6 months bank statement
  • 5. Documentation for salaried applicants:
    • Last 3 months salary - slips
    • Form 16 or Income Tax Returns
  • 6. Documentation for self-employed applicants:
    • Last 3 years Income Tax Returns with computation of Income
    • Last 3 years CA Certified / Audited Balance Sheet and Profit & Loss Account

Personal Loan Interest RatesUpdated on 23 Sep 2014

Personal Loan Details
Interest Rate (Monthly reducing balance) 13.49% - 34%
Processing Fees 0.5-2.5%
Loan Tenure 1 year to 5 years
Pre-closure Charges 2% - 5%
Guarantor Requirement No guarantor required

rated 4.0 /5.0
by 5373 users
Over 5,00,000 Happy Customers with loans & cards
Hdfc Bank CITI Bank ICICI Bank AXIS_BANK Bajaj Fin Serv Bank Magma Standard Chartered Bank Indusind Bank American Epress Bank DHFL SBI Card Tata Capital Fullerton Bank Credila HDFC TVS CREDIT SERVICES PNB Housing Finance Limited LIC HFL
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Offers to Compare
Over 25 offers to compare!

This is our forte- helping you compare the finest deals. Additionally, we'll handpick offers that suit your profile and present the best rates from several banks, so you can make a thoroughly-informed decision.

Breaking Down Offers
Breaking down offers

We're obsessed with giving you a 365 degree view of offers. So, we'll break it down for you - EMIs, eligibility, maximum amount that can be borrowed, fees, hidden charges... no more getting fooled by the fine print!

Why Apply Online
Emergency, Marriage or Travel

Be it a marriage, higher education, a personal emergency, shopping needs or just need extra cash - instant cash with the best rates & timely handheld support.

Cheaper then Dealer
Why apply online?

You don't have to fight for parking space! Jokes apart, applying online will help you save time and money; plus, you'll be able to use the services of our super-friendly customer service team at anytime and get all your queries answered.

Comparing Best Car Loans
Done comparing! Now what?

We showcase the best loan offers and help you compare them... what next? Well, we'll aid you in applying to the bank of your choice and work with you right up to the delivery of the loan!

Still have a gazillion questions?
Still have a gazillion questions?

Think of BankBazaar as your loan-savvy buddy! Our customer support team is at your service to clear doubts on eligibility, offers, procedures and documentation, and help you apply. They'll even co-ordinate with the bank to get you your loan on time.

Connect to the Bank
We'll connect you to the bank

We know the bank guys really well! So, if you want to talk to a bank representative or get help on your loan application, we won't just connect you to them; we'll also do the follow-up on your behalf.

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