Multiple banks. Different interest rates. Call it a "conflict of interest".
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    We found 1 Fullerton Personal Loan

    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    14% - 33% Fixed
    1.5% to 6.0% One time fee
    15L Max
    1-4 Years
    Response Time Within 30 minutes
    Paperless approval option available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria

    Fullerton Personal Loan is Rated as "Pretty good" by 3035 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Personal Loan BYTES FROM OUR KITCHEN

    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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    At least 21 years old

    Less than 60 years old

    Salaried or self-employed
    with regular income

    Earn more than the minimum
    income required


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

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    03

    Minimum income required
    Rs.20,000 per month

    Maximum allowed personal loan is Rs. 25 lakhs

    EMIs of other loans lower
    your eligibility


    Increase your eligible HDFC Bank Personal Loan amount by these

    Fullerton India launched commercial operations in January 2007. Fullerton bank is a Non Banking Finance Company Fullerton India Credit Company Limited is a wholly owned subsidiary of Fullerton Financial Holdings Pte. Ltd., which in turn is a wholly owned subsidiary of Temasek Holdings Pte. Ltd., Singapore. Fullerton India Personal Loan can help in making a difference in your life by fulfilling your financial needs are such as unexpected expenses, a medical exigency, school or college admission, wedding in the family, home improvement or that long awaited vacation. The procedure is simple and quick. You do not have to hypothecate any collateral or property to avail this loan. All you have to do is to follow some simple steps to get attractive deals.


    You're probably eligible for an Fullerton Personal Loan if you are

    01
    02
    03
    04

    At least 21 years old

    Less than 65 years old

    Salaried / Self “ Employed
    with regular income

    Earn more than the minimum
    income required


    Your Fullerton Personal Loan amount eligibility is based on these factors

    01
    02
    03

    Minimum income required
    Rs.25,000 per month

    Maximum allowed personal loan is Rs. 15 lakhs

    EMIs of other loans lower
    your eligibility


    Increase your eligible Fullerton Personal Loan amount by these steps

    01
    02

    Pay off your credit card bills

    Choose longer tenure loan up to 4 years


    Documentation needed to apply for an Fullerton 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

    Fullerton Personal Loan Interest RatesUpdated on 25 Jul 2017

    Fullerton Personal Loan Details
    Interest Rate (Monthly reducing balance) 14% to 33% per annum
    Processing Fees 1.5 to 6.0 % of the Loan Amount
    Loan Tenure 1 year to 4 years
    Pre-closure Charges 7% of principal outstanding(plus GST) upto 1 months. 5% of principal outstanding(plus GST) from 18 to 23 months. 3% of principal outstanding(plus GST) from 24 to 35 months. No preclosure charges applicable afterwards
    Guarantor Requirement No guarantor required

    About Fullerton India Personal Loan

    Fullerton India is one of the most well-known non-banking financial companies offering personal loans apart from other lending and financial services. Launched in January 2007, Fullerton India today has over 398 branches across the country with services spread across 600 towns and more than 30,000 villages. Fullerton India Credit Company Limited, a wholly owned subsidiary of Fullerton Financial Holdings Pte. Ltd., offers personal loans up to Rs. 20 Lakhs for salaried and up to Rs. 30 Lakhs for self-employed individuals. Personal loans from Fullerton India follow a quick approval mechanism with minimal documentation and online loan application facility.

    Personal loans from Fullerton India do not require any guarantor or collateral security. Moreover applicants are free to use the funds availed from Fullerton India personal loan as per their personal need without any restrictions. Funds can be used to cater for any medical expenses, foreign trips, home renovations or any other miscellaneous financial expenses.

    Fullerton India offers a wide range of pre-approved personal loans to its pre-existing customers from time to time. The personal loans with Fullerton India come with a host of benefits and features including competitive interest rates and a loan tenure period extending up to as high as 48 months.

    Why choose Fullerton India Personal Loan?

    High Quantum of Loan: Fullerton India offers a high quantum of personal loan for all eligible borrowers. The maximum quantum of Personal Loan offered by Fullerton India is Rs. 20 Lakhs for salaried individuals and Rs. 30 Lakhs for self-employed individuals. The maximum personal loan available to applicants at Fullerton India is one of highest quanta compared to other non-banking financial companies or public sector banks in its class.

    Competitive Interest Rates: Fullerton India offers personal loans at competitive interest rates with a monthly reducing balance basis, thereby ensuring maximum benefit to the loan borrower.

    Easy Accessibility: With a large number of active branches in both urban and rural regions, Fullerton India makes sure that there is a loan centre easily accessible for citizens living in urban, semi urban and rural centres.

    Easy Loan Application Process: Fullerton India personal loans are easy to apply for with an online loan application process allowing for easy loan requests with minimal documentation and quick loan disbursal timeline.

    Special Benefits for Existing Customers: Fullerton India offers a series of special offers for their existing clients for pre-approved personal loans. Since a large number of people are associated with Fullerton India either using their commercial loan schemes, rural financing schemes or other financial products, they receive offers from time to time about pre-approved personal loans as per their financial history.

    Instant Approval: Personal loan applicants need not visit the Fullerton India branch physically and can simply apply for a personal loan online which will be approved within four working days for eligible applicants.

    Seasonal Offers: Fullerton India offers attractive seasonal discounts in interest rates and processing fees during festival season and from time to time.

    Apply for Fullerton Pesonal Loan
    Fullerton India offers a number of benefits and features for its personal loans including low interest rates, minimal documentation and quick approval. Some of the prominent features of Fullerton India personal loan include:

    Quick Loan Approval: Fullerton India offers one of the fastest loan disbursal rates compared to other non-banking financial companies. For pre-approved customers, personal loans can be disbursed in one working day, while for new customers, personal loans are approved and disbursed within a stipulated timeline extending to a maximum period of four working days.

    Low Interest Rates: Fullerton India offers competitive interest rates for its personal loan applicants. Since a large number of Fullerton India clients come from smaller centres and semi-urban centres, Fullerton India understands the importance of keeping interest rates low, offering maximum benefits to the clients.

    Part Prepayment Facility: Fullerton India allows part-prepayment facility for all its personal loans after a minimum period of six months. Fullerton India does not charge any prepayment charges for all personal loans that are prepaid after 36 months from the agreement date.

    Dedicated Customer Support: Fullerton India has a 24/ customer support helpline, allowing users access to complete information through both phone and email communication.

    Online Loan Application Facility: Users willing to seek a personal loan with Fullerton India need not visit the branch and can apply for a personal loan online. Such a facility not only saves time and offers convenience to the loan applicant, it also reduces the loan approval and disbursal time, leading to a win-win situation for both the customer and the company.

    Instant Loan Eligibility Check: BankBazaar.com offers an Instant Loan eligibility check using the personal loan tool. The tool automatically checks for user eligibility by tracking financial history and monthly salary records. Non-eligible applicants are filtered out and the tool offers customized personal loan quotes only for eligible applicants.

    Personalized Quotes: Bankbazaar.com offers customized personal loan quotes to all its eligible users keeping in mind their requirement, repayment track record, and tenure period of the loan.

    Low Interest Rates: BankBazaar.com has collaborated with Fullerton India allowing for a discounted rate of interest for all personal loans facilitated through the portal. Personal loan applicants with Fullerton India through BankBazaar.com get a discounted rate of interest reserved exclusively for BankBazaar.com members.

    Active Loan Comparison: Before finalizing the personal loan, users at Bankbazaar.com can compare various personal loan options, completely comparing on parameters such as charges, fees, interest rates and other loan essentials. Users can also compare personal loans depending on the feedback ratings of current personal loan holders.

    Instant E-Approval: All loan applicants get instant e-approval after successfully submitting their loan application. The e-approval corresponds to the fact that their loan application has been processed, approved and forwarded to the designated loan department of the bank or NBFC concerned.

    Assured Privacy: All personal data submitted by applicants to BankBazaar.com is transmitted in an encrypted format to the respective bank or NBFC, which ensures 100% safety.

    Applying for a Fullerton personal loan at BankBazaar.com involves three simple steps.

    Step 1: Each loan applicant seeking a personal loan at BankBazaar.com needs to duly fill his or her details in the personal loan eligibility calculator . The tool automatically checks for Fullerton India personal loan eligibility of each applicant and the eligible applicants are offered customized loan options from various personal loan service providers.

    Step 2: After the applicant is given a list of loan options as per his or her financial history, the user can compare various loan options and choose the most appropriate one. Customer Feedback from existing loan applicants is also displayed helping the applicant chose the loan service provider.

    Step 3: In the final step, the applicant receives instant e-approval from BankBazaar.com after successful submission of personal loan application online. The application is sent electronically to the nearest Fullerton India office and the company gets in touch with the applicant directly.

    Fullerton India Personal Loan Interest Rates

    Interest rates for personal loans vary from bank to bank. Fullerton Personal Loans come with affordable interest rates, making it a viable option for all sections of people. Fullerton India offers personal loans at floating rates.

    The rates charged by Fullerton India Personal Loan usually vary from 21% to a maximum of 40% per annum. Each loan offered by Fullerton India is tailor-made, depending on your profile and eligibility criteria. Therefore, the interest rate availed by your friend may be different from that of yours, depending upon your monthly income and nature of work.

    Like every financial institution, Fullerton will have lower rates for state and central government employees as well as employees of leading private companies or MNCs. Once you enter your company details and monthly income in the respective column of BankBazaar’s online application form, your Fullerton India Personal Loan interest rate and EMI will be automatically displayed by the system instantly, after considering the details entered. Applying through BankBazaar.com will also fetch you the benefit of discounted interest rates as exclusively applicable for all BankBazaar.com customers.

    Processing FeeUp to 6% of the Loan Amount
    Interest Rates21% to 40% per annum (monthly reducing balance)
    Loan Tenure12 to 48 months
    Foreclosure Charges4% of pre-closed amount
    Guarantor RequirementNo

    One of the main attractions of Fullerton India is that they offer personal loans with very flexible eligibility criteria. Fullerton India offers personal loans for both salaried as well as self-employed individuals. If you are a salaried individual with a minimum of Rs. 12,500/- as fixed monthly salary, you are eligible for a Fullerton India personal loan. For self-employed individuals (both professionals as well as non professionals), the minimum income criteria to avail Fullerton India personal loan is Rs. 15,000 per month.

    The company also mentions a criteria based on the age of the applicants. The minimum age for applying for Fullerton Personal Loan is 21 years, whereas, the maximum age limit is 58 years. This means, if you are 58 years old and are looking to apply for a Fullerton India Personal Loan, you will get the loan sanctioned for maximum tenure of 2 years (i.e., till you reach 60 years of age).


    Fullerton India Personal Loan Eligibility Criteria for Salaried Individuals
    AgeMinimum: 21 Years Maximum: 58 Years
    Minimum IncomeSalaried individuals with minimum monthly income of Rs. 12,500/- & above
    Total years in job/profession3 Years
    Years in current residence1 Year

    Fullerton India Personal Loan Eligibility Criteria for Self Employed Individuals and Working Professionals:

    AgeMinimum: 21 Years Maximum: 60 Years
    Minimum IncomeSelf Employed individuals or working professionals earning a above Rs. 15,000 per month
    Total years in Profession2 Years
    BankBazaar.com offers users a unique and easy-to-use financial tool which helps everyone understand their EMI beforehand while applying for any loans. This helps you with better financial planning, helping you choose an ideal tenure for your loan and aiding your understanding of expenses such as EMIs.

    With BankBazaar’s Personal Loan EMI Calculator , users simply need to add the amount they wish to take as loan, their preferred loan tenure and rate of interest as provided by the bank at the time of online enquiry. The EMI Calculator then instantly calculates and displays the EMI liability for the loan. This helps you in understanding the monthly money outflow towards the loan.

    Q: Am I eligible for Fullerton India personal loan?

    A: All Indian citizens between the ages of 21 to 60 years, fulfilling the minimum eligibility criteria, are eligible for Fullerton India personal loans. For salaried people, the minimum monthly income should be Rs. 12,500/- & above and for Self-Employed individuals or working professionals, the minimum income should be Rs. 15,000 per month

    Q: What is the maximum loan one can get from Fullerton India?

    A: Fullerton India offers personal loans as high as Rs. 20 Lakhs for salaried individuals and Rs. 30 Lakhs for self-employed individuals. The final loan amount availability depends on the applicant’s financial record and repayment history.

    Q: What is the tenure for Fullerton India personal loan?

    A: Fullerton India offers personal loan with a tenure period ranging from 12 months to 48 months, making it suitable for all loan seekers.

    Q: How do I repay Fullerton India personal loan?

    A: Fullerton personal loans can be repaid in equated monthly instalments, calculated using a monthly reducing interest rate. Users can pay their Fullerton India Personal Loan EMI online directly to Fullerton India using an online funds transfer facility or via cheque deposit.

    Q: How much would I need to pay as EMI for my Fullerton India personal loan?

    A: You can use the BankBazaar.com EMI calculator to understand the monthly payment you need to make against your Fullerton Personal Loan. All you need to do is to simply enter your loan amount and preferred tenure. The tool will automatically calculate your Fullerton India Personal Loan EMI and provide the result instantly.

    Q: Why should I apply for Fullerton India personal loan through BankBazaar.com?

    A: Fullerton India accepts online loan submissions and has collaborated with BankBazaar.com for personal loan submissions online. Applying for a Fullerton India personal loan online can get discounted interest rates, instant e-approval and online loan racking facility, along with a dedicated customer helpline for any queries or grievances.

    Q: What are the documents required to apply for Fullerton India personal loan?

    A:You don’t need to submit any documents online for applying for Fullerton India personal loan. You can approach your nearest branch with your e-approval and submit KYC documents (for address and ID proof), income documents and updated bank statement for further processing of the loan.


    Q: Does BankBazaar.com charge for loan Eligibility Tool?

    A: BankBazaar.com does not charge its members for using the online loan calculator tool. The services provided by BankBazaar.com are absolutely free.


    Q: Is My Data Safe while applying for a personal loan through Bankbazaar.com?

    A: BankBazaar.com uses a high degree of encryption while sending personal data of loan applicants to the respective banks. All data with BankBazaar.com is never shared with any third party except the loan department of the designated bank or non-banking financial company as per the case.


    Q: How can I foreclose my Fullerton India personal loan?

    A: You can foreclose your personal loan by issuing a cheque against your Fullerton India personal loan account. But remember, the company allows foreclosure only after successful payment of 6 EMIs.

    News About Fullerton Personal Loan

    • Fullerton to add 20 - 25 branches across India

      Fullerton India is planning to spread out its base by adding 20 - 25 branches across the country. The bank has already witnessed stupendous growth of 45 - 50% in the recent years. Expansion of the distribution network was one of the prime factors that led to its growth. According to Rakesh Makkar (Executive Vice-President and Head - Fullerton), the company aims to sustain the growth this fiscal also. The company is also planning to give special offers to the applicants in Tamil Nadu during the festive season. It will provide a waiver of 0.50% on interest rates for personal loans and 50% waiver on processing fees for the female applicants. Apart from this, special gifts will also be given to those customers who will apply for high value loans. The company will continue giving these offers till Diwali.

      ></p> <p><em>17th October 2016</em></p> </div> <div class=

    • Fullerton India receives Rs 150-cr capital from parent company

      Fullerton Financial Holdings, the parent company has given their non-banking financial company Fullerton India Rs. 150 crore of capital.

      According to a statement made by Fullerton, “The funds received will be used for investment in the company’s housing finance subsidiary — Fullerton India Home Finance Company and for the future growth requirements of Fullerton India.”

      “The investment from our parent company is a boost to our lending business in India. Through this investment we will be further able to meet the needs of our customers across housing finance and other credit instruments,” added Shantanu Mitra, MD and CEO, Fullerton India.

      Fullerton India, in its half-yearly financial results for the period of FY15-16 posted a 64% surge in its profit. Its assets under management (AUM) has also risen by 37% along with loan disbursals growing by 30%.

      The company currently employs over 7,600 employees across 445 branches, with nearly 60 per cent of the workforce serving their rural business. Servicing a customer base of over 12 lakh, Fullerton India’s product portfolio includes loans against property, SME and business loans, personal loans, rural livelihood loans, and rural mortgage.

      ></p> <p><em>17th December 2015</em></p> </div> <div class=

    eps

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    Pay off your credit card bills

    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 bankatement/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 Bankatement
      • Latest ITR or Form 16

    HDFC Bank Personal Loan Interest RatesUpdated on 25 Jul 2017

    HDFC Bank Personal Loan Details
    Interest Rate (Monthly reducing balance) 10.99% to 19.80%
    Processing Fees Up to 2.5% of the loan amount
    Loan Tenure 1 year to 5 years
    Pre-closure Charges Preclosure permitted after 1 year. 4% of principal outstanding (plus applicable tax) in 2nd year. 3% (plus applicable tax) in 3rd year. 2% (plus applicable tax) afterwards
    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,arting 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.

    Apply for Personal Loan

    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 Bankart 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.


    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 Bankart 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.


    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.


    With BankBazaar.com, applying for a HDFC Bank personal loan is a simple 3ep 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 thisage, 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 theatus of their loan application through SMS alters as well as emails.

    Personal loans offered by HDFC Bank will accumulate interest on the new MCLR based interest rate system. Existing loan borrowers can switch over to this system or can continue to pay interest as per the Base Rate system.

    HDFC Bank MCLR (For new borrowers)

    MCLR or Marginal Cost of Funds based Lending was recently introduced by the RBI and is the minimum lending rate. It is determined with the help of factors like tenor premium, CRR, cost of funds, operating costs, etc. MCLR rates applicable from June 7, 2016 are as follows.

    TenorMCLR Percentage
    Overnight MCLR8.90%
    1 month MCLR8.95%
    3 month MCLR9.05%
    6 month MCLR9.10%
    1 year MCLR9.15%
    2 year MCLR9.20%
    3 year MCLR9.30%

    HDFC Bank Personal Loan Interest Rates (MCLR)

    New loan borrowers will be expected to pay interest on the basis of MCLR. The bank is authorized to add a certain percentage over the applicable MCLR to arrive at the final rate of interest.

    HDFC Bank Base Rate & Prime Lending Rates (For existing borrowers)

    The Base rate offered by the bank is set at 9.30%, with effect from December 28, 2015.

    HDFC Bank Personal Loan Interest Rate (Base Rate)

    Existing borrowers have the option of paying interest on their loan as per the new MCLR rate or they can continue paying interest as per the existing Base Rate system. In both cases, the bank will levy a certain percentage over each rate to arrive at the final interest rate.

    Note: The MCLR rates given above are effective as of June 7, 2016. Interest rates for personal loans are subject to change with change in MCLR / Base Rate. To know the currently applicable interest rates for personal loans, please contact the bank at the time of applying for the same.

    BankBazaar.com offers users a unique andate-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.

    1. How do I know if I am eligible for HDFC Personal Loan?

      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.

    2. What are the advantages of applying HDFC Bank personal loan with BankBazaar.com?

      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.

    3. What is the minimum and maximum amount of Personal Loan that I can get with HDFC Bank?

      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.

    4. What is the tenure for which I can avail a Personal loan with HDFC Bank?

      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.

    5. Does BankBazaar.com Charge for its Loan Calculator Tool Facility?

      BankBazaar.com loan calculator tool is absolutely free to use and there are no hidden charges for all the services you avail through us.

    6. Is BankBazaar.com providing any assistance for tracking my loan application?

      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.

    7. How to use BankBazaar.com EMI Calculator Facility?

      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.

    8. I am skeptical of sharing my personal data online. Is it safe?

      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.

    9. What is the process of checking applicationatus online?

      You can check theatus of your application online on the official website of the bank if you have applied directly with the bank. You can track the applicationatus on the portal on entering a few details as required.

      In case you have applied through BankBazaar.com, you can track the applicationatus online during any point of the process.

    10. What are the limits of the loan amount?

      HDFC Bank offers personal loans from as low as Rs.50,000 to as high as Rs.15 lakhs. The amount of loan disbursed depends on multiple criteria such as credit history, age, other credits etc.

    11. How long can I borrow a loan for?

      The loan tenure depends on the category of borrowers. Salaried individuals can opt for a repayment tenure anywhere between 12 months and 60 months. Self-employed individuals are eligible for repayment tenures ranging from 12 months to 36 months.

    12. What are the income proof documents I have to submit while applying for the loan?

      You need to submit the following documents while applying for HDFC personal loan.

      • Latest salary slip or recent salary certificate with Form 16
      • Bankatements of the past 3 months or 6 months passbook entries

      Apart from these, you also need to submit an identity proof and address proof from the list of accepted documents.

    13. What are the processing charges I have to pay when applying for this loan?

      You need to pay processing charge of up to 2.50% of the overall loan amount. This is subject to a minimum amount of Rs.1,000 and maximum amount of Rs.25,000 for salaried individuals.

    14. Where can I get the personal loan application form?

      You can download the application form online or directly apply online by filling up the form and uploading supporting documents. Alternatively, you may approach any of the HDFC Bank branches and request for a loan application form.

    15. What is the foreclosure criteria?

      Salaried individuals cannot prepay their loans within the first 12 EMI payments. They can prepay the loan after this period by paying the following penalties:

      • Loan preclosure within 13 to 24 months will attract prepayment charges at 4% of outstanding principal balance.
      • Loan preclosure within 25 to 36 months will attract prepayment charges at 3% of outstanding principal balance.
      • Loan preclosure after 36 months will attract prepayment charges at 2% of outstanding principal balance.

    The transfer of your outstanding credit from one bank to another bank is generally referred to as loan transfer. Some of the reasons why people opt for loan transfer is to avail reduced EMIs and longer tenure of payments. You can transfer your HDFC Bank personal loan to a new lender if you have paid your EMIs for a prespecified duration as mentioned in the loan agreement. Your new lender may charge you a loan transfer fee which is usually equal to 1% of the outstanding amount. Similarly, you can also transfer your existing loan to HDFC bank to avail special offers and benefits. HDFC Bank offers interest rates as low as 11.49% on loan transfers and the processing fee charged is just Rs.999. However the individual applying for a loan transfer should meet the below mentioned conditions:

    • Should be above 21 years of age
    • Should be employed from the past 2 years out of which, 1 year should be with the current employer
    • Should have an income of Rs.12,000 per month (for cities Mumbai, Delhi, Bangalore, Chennai, Hyderabad, Pune, Kolkata, Ahmedabad, and Kochi it is Rs.15,000)

    Documents to be submitted for loan transfer

    • Identity proof of the applicant
    • Address proof
    • Bankatement for the last 3 months
    • Latest salary certificate along with Form 16

    Eligibility criteria:

    • To be eligible for personal loan, you must first be a salaried individual
    • The maximum loan amount sanctioned will be up to Rs.15 lakhs
    • It comes with flexible repayment options
    • Loan tenure can range from 12 months to 60 months
    • HDFC offers Personal Loan Diva for women customers which comes with a pre-approved amount of Rs.3 lakhs

    HDFC Bank has a faster turnaround time when compared to most other banks in the country. The bank recently launched the 10-second loan approval and disbursement mechanism, which is the first of its kind. Now customers can avail loans with the click of a button. The growing demands from digitally-savvy customers has pushed the bank to formulate new methods and expedite the loan sanctioning process. But generally, after submitting your application, the loan is sanctioned within 7 working days if everything is in order. Personal loans from HDFC Bank are available for first time customers as well, but the credit scores definitely matter. The bank charges a processing fee which is equal to 2.5% of the loan amount subject to a minimum of Rs.1,000 and a maximum of Rs.25,000. Note that all loan approvals are done at the sole discretion of the bank.

    When a borrower pays off his loans completely before the term, then it is known as preclosure or prepayment which attract certain penalties. Prepayment penalties are generally charged by HDFC at a flat rate or based on the interests for certain months. However, the option of prepayment is made available to customer after a specified period of loan ownership. The preclosure of your loan depends on a number of factors such as interest rate, currentatus of your loan, and tenure of payment. Also, the prepayment option is not available until repayment of 12 EMIs. Refer to the below table for prepayment charges.

    EMIs Paid Charges
    13 to 24 months 4% of principal outstanding
    25 to 36 months 3% of principal outstanding
    More than 36 months 2% of principal outstanding

    It normally takes 1 to 2 days’ time to examine the documents submitted by the borrower. Generally, the in-house verification team of the bank gets in touch with the applicant to verify details such as place of residence and other important information furnished. Verification of documents such as PAN card, Aadhar card, and Passport takes place online. Once the verification process is done, the application is sent to the personal loan officer who forwards the same to the concerned department for approval. Applications may also get rejected in case of mismatch of the information provided or if it is found that incorrect details have been furnished. The bank will however communicate the reason for disapproval which allows the applicant to make corrections and apply a second time.

    A top up loan comes in handy when you need an extra cash in addition to the loan amount sanctioned to you. You get a consolidated EMI for both existing loan and top up loan, covering the total value. It’s comparatively better than having two different loans and paying EMIs separately. Here are some of the key features of HDFC personal loan top up facility:

    • Simple and hassle free documentation
    • The option is available for both existing customers and new customers under the balance transfer facility
    • Easy repayments and attractive interest rates
    • Loans for a variety of personal needs
    • No collateral or security is needed
    • Quick approval and disbursal

    HDFC Personal Loan Tips

    How to avoid a Personal Loan rejection

    Personal Loans are so easy to get that people have fairy tale notions about it. Here are a few things to keep in mind to get your application approved.

    Poor Credit Score = No Loan

    Don’t believe whoever says this. If you have a poor credit score, you canill apply for a secured Personal Loan. It means you can take a loan against the security of a collateral.

    Amount = No Limit

    Just like with all loans, there is a limit on the Personal Loan amount you can borrow. The maximum amount will depend on your eligibility factors, such as income, age etc.

    Personal Loan Will Worsen Your Debt

    No, it does so otherwise. A Personal Loan is an excellent way to consolidate your debts under one interest rate. Personal Loan rates are cheaper than Credit Card interest rates.

    Tedious Approval Process

    We are living in the 21st century – technology, internet. You can now apply for a Personal Loan online and get approval the very same day. Disbursal follows soon.

    Don’t fear applying for a Personal Loan if you really need one. It is easy to get one and will help with your financial problems.

    Find HDFC Bank IFSC Code:
    Before you apply for the loan, Check your CIBIL Score for HDFC Personal Loan

    News About HDFC Bank Personal Loan

    • HDFC Bank will leverage the digital platform to focus on growth

      HDFC Bank will be using digital platforms to increase growth in semi-urban and rural sectors. According to its 2015 - 2016 annual report, the bank looks poised to achieve sustained growth in wholesale and retail segments. Recently, HDFC Bank had launched digital products like loans at ATMs, 10-second personal loans and missed called recharge. The bank will be achieving the growth through its core values of operational excellence, people, sustainability, and customer focus and product leadership. According to the Institutional Investor magazine, HDFC Bank is the most honoured company with the bank's Managing Director, Aditya Puri being named as the Best Chief Executive.

      /></p><p><em>14th July 2016</em></p></div><div class=

    • HDFC Expands Network to Northeast, Sets up 100th Branch

      HDFC, one of the nation's foremost banking institutions, recently recorded another notable milestone by expanding its presence in the north east region of India. The bank which crossed the 100th branch mark in the northeast region has opened 16 new branches alone on the financial year 2015-16. The total count of branches operative in the 7 northeasternates is 109, an achievement which has definitely placed the bank amongst the ranks of top performing private sector banks in the country. This expansion has taken place following the directive proposed by the bank's board to extend and make new age banking facilities and services available to individuals living in far-off regions of the country. Out of the total 109 branches located in the northeast, over half of those branches are located in rural and semi-urban areas. 55 branches are located in Assam itself. The newly set up physical distribution network of HDFC bank is accompanied by a number of digital banking facilities. This will help remove restrictions of time and place and enable customers to access banking facilities anywhere and anytime with the help of ATMs, net banking and the mobile application. Customers will be able to carry out more than 200 varied kinds of transactions via net banking, over 85 kinds of transactions on the mobile app and apply for loans via ATMs. Additionally, HDFC is also working towards empowering the women in the northeast region with the help of its Sustainable Livelihood Initiative (SLI). This is a holistic approach initiative which will reach out to women by providing them with vocational training, financial know-how and basic market related knowledge, along with financial credit.

      /></p><p><em>17th June 2016</em></p></div><div class=

    • Avail spot loans at HDFC Bank ATMs

      With over 11,907 ATMs and 2.27 crore customers using the bank's debit card across the country, HDFC Bank has decided to introduce spot loans through ATMs. With this functionality into operation, customers will be able to apply for and avail personal loans from the ATM kiosk itself. This move came after the bank's 10-second loan offer through the bank's portal became a huge success among its customers.

      Existing customers of the bank can avail this service of fast personal loan in the same way as withdrawing money from the ATM. The offer can be seen flashing on the ATM screens and with just a few clicks, a customer can withdraw the required amount. The bank has decided to initially launch this ˜Loan on ATM' service to customers holding salary or corporate accounts.

      /></p><p><em>16th October 2015</em></p></div><div class=

    • Get loans against shares under the ˜Design Your Own Loan' plan from HDFC Bank

      HDFC Bank rolled out its new digital banking initiative called ˜Design Your Own Loan'. A kind of secured personal loan, customers can avail loans against shares that they pledge as security. This loan can be availed online, via netbanking, by customers at HDFC Bank who hold a demat account with the bank. Loan amounts vary from Rs.1 lakh to Rs.20 lakhs. Once the required details are submitted online, a bank representative will go to the customer to obtain signatures on pre-filled documents. Processing time for loans against shares under this plan is as short as one day. It otherwise takes up to 8 days to get a loan against shares. This scheme forms a part of HDFC Bank's wider digital banking efforts Go Digital.

      /></p><p><em>23rd September 2015</em></p></div><div class=

    • Positive growth, profits and low NPAs help HDFC Bank bag Best Asian Bank award

      HDFC Bank was named the ˜Best Asian Bank' at the 2015 Finance Asia program. A leading private banking institution in India, HDFC Bank outranked its competitors with its impressive growth and profit figures in addition to low NPAs.

      Aditya Puri, the man at the helm of HDFC Bank, has been attributed with the distinction of driving the bank to success.

      HDFC Bank offers a host of retail products and services that are well-received by a wide customer-base. The bank boasts an asset book of $85.6 billion and a loan book of $53 billion. Its main competitor is private bank leader ICICI Bank.

      /></p><p><em>10th September 2015</em></p></div><div class=

    • HDFC Bank releases ˜Dhanchayat' to raise awareness among loan seekers

      HDFC Bank created and rolled out an educational film termed ˜Dhanchayat' to raise financial awareness among people who transact outside the purview of the organised banking sector. The film aims at educating the masses on the benefits of dealing with formal banks.

      Those with limited means or limited access to banking facilities or poor awareness of banking services, tend to deal with local money lenders who fleece borrowers. This is especially true for those seeking personal finance. These borrowers are charged exorbitant interest rates on personal loans. HDFC's campaign is aimed at dispelling doubts by highlighting the importance of the transparent methods adopted by banks such as HDFC Bank in transacting with customers.

      HDFC Bank's campaign will be rolled out across the north, south east and west of India. 6ates have now been covered with more in the fray.

      /></p><p><em>4th September 2015</em></p></div><div class=

    • HDFC bags place in Forbes Asia's top 50

      HDFC has been successful in securing a place in the prestigious top 50 list of Forbes Asia. The bank could not make it even once till 2006, after which the bank has consistently and consecutively featured for 9 long years. HDFC which is the second largest private bank in India has a market capitalization of 43 billion dollars and a market share of 32.7 million customers. Forbes ran a coverory on HDFC's 21 year long journey and the building of the bank from scratch.

      Other Indian companies to feature on the list were Tata Consultancy Services, Tata Motors, Lupin, Titan etc. China had the most number of companies in the list as compared to any other country.

      /></p><p><em>4th August 2015</em></p></div><div class=

    • HDFC Bank actively respond to the customer queries on social media

      The second largest private bank HDFC Bank is most active on social media to respond to the customer queries. Simplify 360 released a report that analysed 9 banks. The report collected data and counted the mentions all the 9 banks had on Twitter and Facebook.

      The report said that HDFC Bank replied to 45 per cent of the queries. HDFC Bank is most active on Twitter but they weren't able to get much attention.

      The report considered the social media interaction of all the 9 banks from June 13 to June 28. The 9 banks include SBI, HDFC Bank, Yes Bank, ICICI Bank, Kotak Mahindra Bank, Axis Bank, Citibank, IDBI Bank andandard Chartered Bank.

      /></p><p><em>15th July 2015</em></p></div><div class=

    • A new digital high by HDFC “ Watch Banking!

      Taking the digital banking to a new high, HDFC bank has launched watch banking for Apple watch users. Watch banking does not require a new app to be downloaded but can be availed by upgrading the existing HDFC mobile banking app. Rival bank ICICI had launched watch banking earlier this year when it announced iWear, an innovative banking app for smart watches.

      HDFC is looking to cash in the growing popularity of wearable devices and the potential demand for wearable gadgets in India. With watch banking HDFC will provide an initial 10 banking transactions in the current launch. Some of these include bill payments, recharges, viewing account information and requestingatements and chequebook etc.

      /></p><p><em>6th July 2015</em></p></div><div class=

    • New Mobile App for Corporate Clients by HDFC Bank

      HDFC Bank, one of the leading private banks in India launched its mobile application on last Thursday. This newly launched mobile application will help its wholesale customers to complete transactions online. The app can be used by these customers to carry out processes like letter of credit, remittances and bills processing etc. The bankrives to move its wholesale customers to mobile banking. The major motive behind the launch of this app is to help its corporate customers with enhanced and superior comfort and increase the speed of transactions.


      The bank has received a good response so far and it further expects to get customers from all segments ranging from big corporates to small and medium enterprises (SMEs). HDFC Bank claims to be the first bank in India to move trade finance operations to the mobile.

      /></p><p><em>24th June 2015</em></p></div><div class=

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  • Fullerton Personal Loan Reviews

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