• HDFC Personal Loan EMI Calculator

    HDFC Bank offers personal loans with EMIs starting at just Rs.2,162 per lakh.

    HDFC Bank had earlier provided a moratorium to its customers who had availed personal loans prior to 1 March 2020. According to the earlier directive issued by the bank, a moratorium period of three months was offered to the customers to defer the payment of EMIs till 31 May 2020. However, the bank has extended the moratorium period to 31 August 2020.

    The bank offers the loans at a rack interest rate which ranges between 10.75% p.a. and 22% p.a. However, before you avail a personal loan from the lender, you can use the Personal Loan EMI Calculator facility available on the official website of BankBazaar.

    Rs. 3 lakh @10.75% p.a.  2 years  3 years  5 years 
    Equated Monthly Instalment (EMI) (Rs.)  Rs.13,948  Rs.9,786  Rs.6,485 
    Total Interest Payable (Rs.)  Rs.34,741  Rs.52,301  Rs.89,123 
    Processing Fee (Rs.)  Rs.6,000  Rs.6,000  Rs.6,000 

    You can enter details such as loan amount, tenure, rate of interest, processing fee and check the EMI payable.

    HDFC Personal Loan - RBI EMI Moratorium

    HDFC Bank has announced an EMI moratorium for its personal loan customers. This is in accordance with the RBI’s guidelines. This is applicable for personal loans availed prior to 1 March 2020. Overdues prior to 1 March 2020 are also eligible for the moratorium. Equated Monthly Instalments (EMIs) do not have to be paid until 31 May 2020. The EMI moratorium can be taken for any number of HDFC personal loans that you have availed. Opting for the moratorium will not affect your credit score or credit rating.

    Interest will continue to accrue, at the contracted rate, on the principal outstanding amount during the moratorium period. The loan tenure will also get extended for the corresponding period of the moratorium. The interest accrued for the duration of the moratorium will be collected during the extended tenure.

    Features and Benefits of HDFC Personal Loan EMI Calculator

    • You can easily figure out your eligibility and optimum EMI in less than a minute online.
    • HDFC’s Diva Personal Loan, specially designed for working women, is indeed a boon. The eligibility criteria is slightly relaxed and is offered at a better rate.
    • First time applicants find EMI Calculator particularly useful as they find it easy to use.
    • EMI Calculator also takes your credit score into consideration (like how you repaid your house loans, vehicle loans etc.)

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