Multiple banks. Different interest rates. Call it a "conflict of interest".
  • HDBFS Personal Loan Diwali Offers Nov 2018 is Rated as "Great!" by 289 Users

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    HDBFS Personal Loan Diwali Offers Nov 2018

    HDB Financial Services Personal Loan Diwali Offers November 2018

    HDB Financial Services Limited is a subsidiary company of The Housing Development Finance Corporation Limited (HDFC). With a speedy loan process, personal loans offered by HDB Financial services are popular among many loan seekers in India. So, if you have festival-related expenses to meet, HDBFS’s personal loan is your best option.

    You can apply for an HDBFS personal loan or an HDBFS Business Loan on the BankBazaar website and enjoy superb deals! This year, BankBazaar will enable you to celebrate the festival of lights merrily with your near and dear ones. Enjoy this joyous occasion with sweets, savouries, new goodies, and new clothes!

    Key Features of HDBFS Personal Loan

    • Loans of up to Rs.20 lakh can be availed as personal loan from HDBFS.
    • No security/collateral/guarantor is required to avail this loan.
    • The loan application procedure is quick and the documentation is hassle-free.
    • Salaried individuals wishing to avail this loan should be aged between 21 to 60 years while self-employed individuals should be aged between 22 to 65 years at the time of maturity.
    • Doorstep service is available for the loan application process of HDBFS.
    • The minimum tenure is 12 months and the maximum repayment period can go up to 60 months.

    Interest rates for HDBFS Personal Loan

    For HDBFS personal loans, a floating rate of interest is applied. In this case, a Floating Reference Rate (FRR) is charged on the facility with spread as agreed while taking the loan. This FRR is set every quarter.

    FRR as on July 1, 2018: 18% p.a.

    FRR as on October 1, 2018: 18.45% p.a.

    Next revision date: January 1, 2019

    There are also Short Term Floating Rates (STFR) for HDBFS short-term loans where loans are taken against securities or gold. Even STFRs are set every quarter.

    STFR as on July 1, 2018: 12% p.a.

    STFR as on October 1, 2018: 12.50% p.a.

    Next revision date: January 1, 2019

    Enjoy Diwali offers from BankBazaar on HDBFS Personal Loan 2018

    Apply for a personal loan product from HDBFS if you meet their eligibility criteria. You can check if you are eligible on the BankBazaar website itself. You can apply conveniently for an HDBFS personal loan on the BankBazaar website and even enjoy exclusive discounts when your loan gets sanctioned. When you apply for a personal loan via BankBazaar.com, you will receive an Amazon gift voucher worth Rs.750.

    Diwali Bonus Wali 2018 – HDBFS Personal Loan

    Avail a personal loan from HDBFS through BankBazaar and receive an Amazon Diwali Bonus Wali voucher worth Rs.750.

    How to apply for this offer?

    • Visit the website of BankBazaar site (www.bankbazaar.com) and click on the ‘Personal Loan’ section under the ‘Loans’ tab.
    • A list of banks offering personal loans will then be displayed. Choose the ‘HDBFS’ option and click on the ‘Get Approval’ button. You should be receiving a response in less than 30 minutes.
    • Once your loan is approved and disbursed, an Amazon Gift Voucher will be sent to your email ID which was provided during the loan application process.
    • You will also receive the voucher if you apply for a personal loan through the BankBazaar mobile app that you can download from Google Play Store or iOs App Store.
    • You can redeem the voucher received to shop online on www.amazon.in.

    Terms and conditions for this offer

    • Only the applicants whose loan is disbursed on or before 15 January 2019 will receive the gift vouchers from Amazon.
    • Customers who are eligible to receive the vouchers will receive the same within 30 working days of the loan disbursal. If the same is not received within the specified time, customers can call BankBazaar at +91 4466511800 or email support@bankbazaar.
    • Applicants should be over 18 years of age as on the application submission date to be able to avail the offer.
    • The offer will be applicable for 1 order per product for a customer.
    • The vouchers from Amazon once issued cannot be replaced or cancelled.
    • Once the voucher has been redeemed, it cannot be reused.

    How to redeem the gift voucher from Amazon?

    • Visit www.amazon.in/addgiftcard
    • Login to your Amazon.in account using your email ID and password. If you do not have an account, you can create one and login.
    • Enter the voucher code and select the ‘Add to your account’ button. Your Amazon account will reflect the balance of Rs.750.
    • The same process can be followed to add multiple voucher codes.
    • If you wish to know more about the voucher usage and its terms and conditions, you can check out www.amazon.in and https://www.amazon.in/b?ie=UTF8&node=7144934031.

    Things to Keep in Mind While Choosing a Diwali HDBFS Personal Loan Offer

    • Many financial websites may be offering various personal loan offers during Diwali as they know that people are looking for attractive deals for shopping. However, as a sensible online customer, you should be very cautious of these online promotions.
    • Make sure you check the Terms & Conditions of the offer thoroughly before you sign up for it.
    • Read the fine print of the offer and ensure that you do not miss out any details about the loan.
    • Check for the authenticity and the genuineness of the offer. Do not sign up for any random offer that you see on the internet.

    Choose BankBazaar.com for your HDBFS personal loan and get your funds in no time! This Diwali/Dhanteras, you can celebrate new beginnings by purchasing whatever you want. Be it a new furniture set, a new motorbike, or a new home theatre system, you can count on HDBFS for reliable funds.

    Personal Loan Reviews

    • HDB Financial Services Personal Loan
      "Good Loan experience"
      0.5 4.0/5 "Great!"
      I purchased a loan with HDB Financial services based on the interest rate. This is the least interest rate which i found in the website. I have purchased the loan through online. There was some processing fee which is very nominal. The loan got delayed by a week and they have sanctioned the loan as per their commitment.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 08, 2019
    • HDB Financial Services Personal Loan
      "Its Good"
      0.5 5.0/5 "Blown Away!"
      HDB financial service have fulfilled my loan requirement, they have issued the personal loan of Rs. 9 lakhs for the loan period of five years. The interest rate is low as per expectation, the processing fee is good and also the documentation is upto the mark.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jan 05, 2019
    • HDB Financial Services Personal Loan
      "Good service"
      0.5 3.5/5 "Pretty good"
      I have taken a personal loan with HDB financial services and my experience was good, the loan amount was for Rs 2 lacs with high interest rate when compared to others. Customer service was good and they responded on time. Tenure period for this loan is 3.5 years.
      Was this review helpful? 1
      , bangalore
      Reviewed on Dec 20, 2018
    • HDB Financial Services Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      HDB financial services and has a good job for me and they were on time to come over and take my documentation. The customer support is fine and they were responsive as well. The loan was processed was on time and the interest rate and charges is good.
      Was this review helpful? 1
      , mumbai
      Reviewed on Dec 16, 2018
    • HDB Financial Services Personal Loan
      "Not satisfied with the service"
      0.5 1.0/5 "Really Bad"
      The Personal loan experience with the has not been good where they had not been having a proper response with anything. They had also not intimated about the foreclosing charges as well which was around 4%. Their customer support response has also not been good and other charges has been there.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 11, 2018
    • HDB Financial Services Personal Loan
      "Not recommendable due to the Rate of Interest"
      0.5 4.0/5 "Great!"
      I used to make the payment on time and i have received any calls from their customer care people. Interest rates are high which is 18% and the processing fee was Rs. 8000. I have got the loan amount of RS. 3 lakhs and i have closed the loan with the tenure period of 24 months. I paid the EMI of Rs. 18500 every month.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 07, 2018
    • HDB Financial Services Personal Loan
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      The process in getting this loan has been quite simple where it did not took much time. The loan amount whcih they had provided has been sufficient and the interest rate with them has been a little high, but it was okay. There has not been any additional charges made by them.
      Was this review helpful? 1
      , pune
      Reviewed on Dec 04, 2018
    • HDB Financial Services Personal Loan
      "Not satiafctory service"
      0.5 3.0/5 "Satisfactory"
      My personal loan was taken with HDB INSTITUTION , the rate of interest and processing fees was too high with this bank . The tenure period is 5year and it is sufficient to me . They gave option of preclosere but it is applicable after 6month . Customer service is not up to the mark and there are no much additional charges.
      Was this review helpful? 2
      , mumbai
      Reviewed on Nov 20, 2018
    • HDB Financial Services Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      My personal loan was taken with HDB FINANCIAL SERVICE INSTITUTION , the tenure period is 3year . They charge 14% rate of interest and it is very nominal with this bank compare to other . The processing fee is 2% and it is good . Preclosere option is there but only after 6month i can use .
      Was this review helpful? 2
      , hyderabad
      Reviewed on Nov 14, 2018
    • HDB Financial Services Personal Loan
      "Its Average"
      0.5 3.0/5 "Satisfactory"
      While taking loan they have not properly mentioned about the documents, they keep calling and continuously asked for the different documents hence almost taken long time. They given me the cheque for the balance transfer but I done all the process from end rather they doing it. They should improve the loan process and avoid asking unnecessary documents.
      Was this review helpful? 3
      , bangalore
      Reviewed on Nov 05, 2018
    • HDB Financial Services Personal Loan
      "Interest rates should come down."
      0.5 4.0/5 "Great!"
      The best thing about "HDB financial" is that they are best in what they do. I had applied for a loan with a different bank and i had to wait for 3 weeks and even then it was rejected, but when i applied in HDB , guess What in a week it was approved. The rate of interest is high here compare to other Banks, well it could come down a bit. Apart from that my need was fulfilled by HDB.
      Was this review helpful? 2
      , mumbai
      Reviewed on Nov 03, 2018
    • HDB Financial Services Personal Loan
      "Best in service"
      0.5 4.0/5 "Great!"
      I have a running loan with HDB financial services. The interest rate is 21% here with 3 years of tenure period and i pay a monthly EMI of Rs 5651. My Emi gets deducted from my account on every 4 th date of every month. Till date never had issue and interest rate can come down a bit
      Was this review helpful? 1
      , vapi
      Reviewed on Nov 01, 2018
    • HDB Financial Services Personal Loan
      "Need to reduce the interest and procedures to be less"
      0.5 3.0/5 "Satisfactory"
      The customer service and response was okay. The personal loan got approved but am not at all happy with the interest rate. The process was too much of procedure and very long. They need to reduce the interest rate where other bankers are offering nowadays.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Oct 31, 2018
    • HDB Financial Services Personal Loan
      "Good. Can do better in ROI"
      0.5 4.0/5 "Great!"
      My process with HDB financial services is good. They are very fast in the process to get the persona loan. The customer support and response is good. The rate of interest and processing charges is not satisfactory. It is very pretty high when compared.
      Was this review helpful? 6
      , bangalore
      Reviewed on Oct 12, 2018
    • HDB Financial Services Personal Loan
      "Good Banking Service"
      0.5 4.0/5 "Great!"
      Got my personal form HDB financial service, as the rate of interest is nominal one of 14% . Making the payments through Ecs . Got approved as instant approval process. There is no processing fees for the personal loan with tenure period of 3 years . Their customer service and response is good regarding personal loan.
      Was this review helpful? 4
      , bangalore
      Reviewed on Sep 06, 2018
    • HDB Financial Services Personal Loan
      "Need to reduce ROI"
      0.5 5.0/5 "Blown Away!"
      My experience was very good with HDB personal loan, the process took 10 days to complete and it was smooth. The loan amount was for Rs 10 lacs with high interest rate and the tenure period for this loan is 5 years. Customer service was very good and they responded on time.
      Was this review helpful? 5
      , bangalore
      Reviewed on Aug 27, 2018
    • HDB Financial Services Personal Loan
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have taken a personal loan from the HDB Financial Services for 3 Lacs, the interest rate was in par with the market rate. It has been a hassle free personal loan experience with the HDB
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Aug 24, 2018
    • HDB Financial Services Personal Loan
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      I've take a personal loan from the HDB for 3 Lacs, the interest rate was very high, there was also a delay in processing the loan. They need to keep the interest rate in par with the market rate.It hasn't been a good personal loan experience with them.
      Was this review helpful? 4
      , coimbatore
      Reviewed on Aug 23, 2018
    • HDB Financial Services Personal Loan
      "GOOD LOAN"
      0.5 4.0/5 "Great!"
      It was a good experience with them, documentation was easy , i feel that rate of interest was nominal, it was on time process, customer service was good, EMI values also is ok, every month it get auto debited from my account, which is also easy.
      Was this review helpful? 2
      , thane
      Reviewed on Aug 14, 2018
    • HDB Financial Services Personal Loan
      "Very good"
      0.5 4.0/5 "Great!"
      My personal loan was taken with HDB FINANCE. The process was very nice but it took a longer time here. The interest rate was on a higher side . The tenure period was 5 years . The customer service and responses was good. They were calling up for many times.The processing fee was nominal and the documentation was smooth.
      Was this review helpful? 2
      , bangalore
      Reviewed on Aug 14, 2018
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