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User reviews
  • I had availed a personal loan from HDFC bank in the year 2010 which would be ended in the next four months. The documentation process was very simple & completed very soon. It was a quick processing and my loan was disbursed within 10 days of time. They offered me a loan of rs1.50 lakhs at a rate of interest around 15%. Best thing is the rate of interest was reduced from 18% to 15% on negotiating.
    06:02 PM - Sep 29, 2014

    5.0/5 "Blown Away!"
  • I had availed a personal loan from HDFC bank before 4 months. First of all I had contacted the phone banking of HDFC bank for a personal loan. One of the bank executive came to my place and collected my documents. After 4 days of processing they disbursed my loan at a rate of interest of 14.5%. However I don't recommend the bank due to high rate of interest & processing fees.
    05:49 PM - Sep 29, 2014

    ARUP DATTA, kolkata
    4.0/5 "Great!"
  • There was a good follow up from the customer service representative of HDFC inspite of me not availing loan from them. There was a detailed description provided in terms of my loan status, terms and conditions etc. Overall its a excellent experience.
    04:52 PM - Sep 29, 2014

    5.0/5 "Blown Away!"
  • My personal loan application was forwarded after submitting on line. However, there was not even a single call received from HDFC customer service team. As there was not proper response provided, I decided to approach some other banks.
    05:55 PM - Sep 29, 2014

    CHANDRA MOHAN, hyderabad
    1.0/5 "Really Bad"
  • I am currently working for a MNC company, earlier with that I had applied for Personal loan with ICICI. I was so happy that I have been offered 4 lakhs by ICICI. It has been approved as well, I am about to pay my 2nd EMI with ICICI. I still require a top up loan for 2 lakhs , hence I have contacted HDFC for the same. They have taken all my documents, however there was no reply from the Bankâ??s end. It would be great, if they respond to the customer on time.
    05:45 PM - Sep 29, 2014

    ANIL KUMAR REDDY, mumbai
    5.0/5 "Blown Away!"
  • Couple of years ago I had applied for a personal loan online and availed the loan from HDFC bank. The documentation process was very fast and my loan of rs1.5 lakhs was disbursed within 10 days of time at a rate of interest of 15.75%. I was recently looking for a loan transfer however HDFC bank has rejected my recent personal loan application since the physical verification was not successful. After few days they contacted me back for offering the loan however I refused to avail the loan.
    04:43 PM - Sep 29, 2014

    JEYA KUMAR, new delhi
    4.0/5 "Great!"
  • I have a good relationship with Bajaj finserv, so that's why I got the personal loan. I did apply on line and only 2 days was the overall processing. They charged 12% interest rate and also provided health insurance along with loan. I felt awesome to be with them. Whatever the product i had purchased still now, its from Bajaj finserv.
    05:51 PM - Sep 29, 2014

    CHANDRA MOHAN, hyderabad
    5.0/5 "Blown Away!"
  • Response was not much quicker than other banks. I haven't got proper response in terms of personal loan request. There were one or two calls which I received, however it was not up to my expectations. Website is quite descriptive and easier website.
    05:43 PM - Sep 29, 2014

    3.0/5 "Satisfactory"
  • I had recently applied for a personal loan with HDFC bank. They had rejected my application stating some of the company license and other documents are found to be incorrect. The customer service and response are OK. I didn't know what was the exact reason for rejecting my application.
    04:33 PM - Sep 29, 2014

    3.0/5 "Satisfactory"
  • The executives from Fullerton they came collected the documents and explained me about the process. I did not get any response after the submission of the documents i called to the customer service executive to know the status of the personal loan. Then they said that the loan was rejected due to the CIBIL scores are less.
    05:51 PM - Sep 29, 2014

    HARISH NAMDEO, navi mumbai
    3.0/5 "Satisfactory"
  • Bajaj finserv personal loan processing was faster and quick. Within 4-5 days, my loan amount was also credited. 14% was the interest rate offered. Customer service representative was too cooperative in overall loan processing. Keep up the good work!!
    05:41 PM - Sep 29, 2014

    4.0/5 "Great!"
  • The personal loan application was rejected by Fullerton India and the reason for rejection was that as per the Fullerton policy that the customer should have taken the loan earlier or need to have a credit card usage more than 6 months to process for the loan however the service from the customer service executives was good.
    04:21 PM - Sep 29, 2014

    SINDAM SRINIVAS, hyderabad
    5.0/5 "Blown Away!"
BankBazaar Personal Loan is Rated as "Great!" by 5651 Users
 4.0 / 5.0   by 5651 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

Personal Loan Tenure

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 01 Oct 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 5651 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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