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    We found 1 HDFC Bank Personal Loan
    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    10.99% - 19.8% Fixed
    Up to 2% One time fee
    25L Max
    1-5 years
    Response Time : Within 30 minutes
    Paperless approval available
    What you'll love
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    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    HDFC Bank Personal Loan is Rated as "Great!" by 13238 Users

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    Promised Interest Rate

    Customer Service



    HDFC Bank Personal Loan

    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 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


    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


    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 steps


    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 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

    HDFC Bank Personal Loan Interest RatesUpdated on 25 Sep 2017

    HDFC Bank Personal Loan Details
    Interest Rate (Monthly reducing balance) 10.99% to 19.80%
    Processing Fees Up to 2% 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, starting 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.

    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 Bank start 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 Bank start 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, 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 to check their loan eligibility and submit their loan applications if eligible.

    Instant Loan Eligibility Check: The loan calculator tool at 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:'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 personal loan tool are offered the best rate of interest for their personal loan due to the active collaboration between HDFC bank and

    Instant Approval: Eligible candidates who apply for HDFC Personal Loan through 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 can track the updates of their submission form using both email and SMS updates.

    24/7 Customer Support: has a dedicated 24/7 customer support and helpline which is always ready to help with any grievances or questions from loan applicants.

    With, applying for a HDFC Bank personal loan is a simple 3 step 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 this stage, 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

    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 the status 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. offers users a unique and state-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.'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 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

      There are many advantages of applying for a HDFC Personal Loan online through You can avail the best possible rate of interest for all online loan application submitted to HDFC Bank through 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 Charge for its Loan Calculator Tool Facility? loan calculator tool is absolutely free to use and there are no hidden charges for all the services you avail through us.

    6. Is providing any assistance for tracking my loan application? 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 EMI Calculator Facility? 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? 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 application status online?

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

      In case you have applied through, you can track the application status 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
      • Bank statements 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
    • Bank statement 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, current status 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 can still 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 Shrinks its ATM Network

      HDFC Bank has decided to reduce its ATM network. The bank has been shutting down ATM machines which has not been getting enough footfalls. HDFC attributes this change to customers favouring electronic payments over cash. According to the deputy MD of HDFC Bank, Paresh Sukthankar, people who earlier used their debit cards only for cash withdrawals, are now using them at vendor POS. The bank is taking advantage of this change in behaviour to close down a few ATM machines. It plans to shift the machines to other centres where they might be more useful. As of the end of 2016-17 financial year, the distribution network of HDFC was at 12,260 ATMs and 4,715 branches in 2,657 centres. By the end of FY 2017-18 first quarter, the number of ATMs had reduced to 12,220 ATMs by 40 machines, although the branch number had increased to 4,727. ICICI, too, had shrunk its ATM network by almost 700 ATMs. However, most of these machines were brown label, display the bank's brand but owned and managed by service providers. However, the banking industry is continuing to increase the number of ATMs, although at a much reduced pace. Since last December, the number of ATMs has increased only by 2,616.

      2nd August 2017

    • HDFC to provide Instant Loans to Online Shoppers

      One of the largest players in the lending market, HDFC Bank has come up with technical innovations to expand its lending businesses to the digital world as well. HDFC is planning to provide instant loans to online shoppers, using its strong technology backbone. HDFC is planning to tie up with various online merchants and offer instant loans to those shopping or browsing for products online. The bank has developed a program to provide loan service to both its current and potential customers. It enables the bank to appraise a potential borrower instantly by pulling up social data and credit scores through APIs (application programming interfaces) in real time. Simultaneously, it delves into analytics to ensure there’s no duplication, and approves loan quantums between Rs.50,000 and Rs.5 lakh instantly. According to some sources, HDFC Bank, which has been providing automated retail loans to its customers, has built on their capacity to extend instant loans to non-customers as well. The same technology is being used to provide instant online credit with the backing of physical credit cards. HDFC Bank is also reinventing its 4.22 lakh (PoS) terminals to integrate multiple digital payments options like the UPI, Bharat QR, Aadhaar-based payments, credit/debit cards and HDFC’s own PayZapp wallet. All of its card swiping machine would be upgraded eventually to enable multichannel payments.

      19th July 2017

    • 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 northeastern states 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. 6 states 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 cover story 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 and Standard Chartered Bank.

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

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  • HDFC Bank Personal Loan Reviews

    • HDFC Bank Personal Loan
      "Overall good. Can be more sooner"
      0.5 4.0/5 "Great!"
      Though the process took some time like 14 to 16 days with HDFC Bank. Eventually and finally I got what I needed on the personal loan. They need to improve on the customer services and response. The interest rate and processing charges was also on the average side.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 23, 2017
    • HDFC Bank Personal Loan
      "Overall good"
      0.5 4.0/5 "Great!"
      I have taken a personal loan from HDFC Bank and the process was good. The executive came over to my place and collected my documentation and after which they were fast. The interest rate was around 15% and the processing charges was also on the higher side.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 23, 2017
    • HDFC Bank Personal Loan
      "Very good service"
      0.5 4.0/5 "Great!"
      I can give full rating to HDFC bank because they have given full information about the product, process and about the loan status. They disbursed my loan amount within 10mins of time. It was a pre approved loan, because I got a savings account with HDFC bank so I have got the personal loan via HDFC net banking , The rate of interest is nominal with the HDFC bank.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 23, 2017
    • HDFC Bank Personal Loan
      0.5 5.0/5 "Blown Away!"
      It was a very good process at HDFC Bank and I got 100% of the loan amount I needed. I have taken a personal loan and the interest rate was around 13.99% and the processing charges is also a bit high. I got the loan disbursal in one week. The after loan process is good.
      Was this review helpful? 0
      , kalka
      Reviewed on Sep 23, 2017
    • HDFC Bank Personal Loan
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has offered me a personal loan and the process is perfect. They have collected my paper work on time and the disbursement is also as needed. The interest rate and processing charges is nominal and the after loan services is good and smooth.
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      , kolkata
      Reviewed on Sep 23, 2017
    • HDFC Bank Personal Loan
      "Approachable bank"
      0.5 4.0/5 "Great!"
      I have taken a personal loan from HDFC BANK. I applied for 5 lakhs with 10.99% rate of interest.The tenure for the approved amount is for 5 years with an EMI of 10800. The follow up from the bank end was really good.
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      , mumbai
      Reviewed on Sep 23, 2017
    • HDFC Bank Personal Loan
      "Not satisfied"
      0.5 5.0/5 "Blown Away!"
      With HDFC bank, i have applied for a personal loan. The loan amount which the bank required was 2 lakhs. The tenure which the bank in need of was for three years which i was not satisfied with so i cancel the application with HDFC bank. I am not satisfied with the service of HDFC.
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      , chennai
      Reviewed on Sep 22, 2017
    • HDFC Bank Personal Loan
      "Approachable bank"
      0.5 4.5/5 "Excellent!"
      HDFC bank provide me the personal loan with 11.39% rate of interest. It just taken one week to disburse the loan amount. The total amount i received from bank was 3.94 lakhs were they deducted the processing fees and the GST. I had a negotiation to reduce the RIO from 12 to 11.39%. At last they gave me for the same.
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      , hyderabad
      Reviewed on Sep 22, 2017
    • HDFC Bank Personal Loan
      "Approachable bank"
      0.5 3.0/5 "Satisfactory"
      I had a requirement for a personal loan and i put up an inquiry with HDFC bank.They response was bit delayed and later my requirement was fulfilled from my own end. So i closed the application with HDFC bank. Service wise i always prefer hdfc bank.
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      , delhi
      Reviewed on Sep 22, 2017
    • HDFC Bank Personal Loan
      "High interest rate"
      0.5 3.0/5 "Satisfactory"
      With HDFC BANK i have taken a personal loan. The disbursed loan amount is 1 lakh 70 thousand with a rate of interest of 16 to 18%, that was too high for me. Two years back i closed that loan. The tenure is for 3 years with an EMI of 4500.
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      , angul
      Reviewed on Sep 22, 2017
    • HDFC Bank Personal Loan
      "Friendly service"
      0.5 5.0/5 "Blown Away!"
      From HDFC BANK i have taken a personal loan for 1 lakh 40 thousand. The monthly EMI is 47851 for 36 months. It just taken a week to approve my loan amount The processing fee that they charge me was 4000.They gave me good service and response. I can recommend this bank for personal loan to anyone.
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      , bangalore
      Reviewed on Sep 22, 2017
    • HDFC Bank Personal Loan
      "Good. Need to be more quick in the process"
      0.5 4.0/5 "Great!"
      HDFC Bank was good but there was a delay in the process. After the submission of documents, I got the personal loan after 12 days. I had to take the initiative and follow up with the executive for an update. The interest rate and processing charges is normal.
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      , pune
      Reviewed on Sep 22, 2017
    • HDFC Bank Personal Loan
      0.5 4.0/5 "Great!"
      There were no issues with HDFC Bank for the personal loan. I got the loan on time and the process was also very convenient and easy. I got the interest rate was of 11.1% and the processing charges was normal. The after loan services is also great.
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      , faridabad
      Reviewed on Sep 22, 2017
    • HDFC Bank Personal Loan
      "Average Service"
      0.5 4.0/5 "Great!"
      Experience with the HDFC BANK was an average one and even the service provided by them was the same. Too many wrong information was given to me and it was about the rate of interest . Firstly the executive called said that it was about 14% where as I saw it was around 10.99% lastly even the customer service was not that good .
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      , ghaziabad
      Reviewed on Sep 22, 2017
    • HDFC Bank Personal Loan
      "IT WAS OK ."
      0.5 4.0/5 "Great!"
      The experience and the service which I received from the bank was kind of OK . The bank delivered the information and contacted in a better way . My credit score was a showing a down flow of rupees 1860 i didn't pay some EMI after that they said we will recheck and come back to you and after that they never called back and it got cancelled .
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      , mumbai
      Reviewed on Sep 22, 2017
    • HDFC Bank Personal Loan
      0.5 4.0/5 "Great!"
      HDFC Bank processed my personal loan on time. I got the funds and the person came to my house and collected my documents. The interest rate and processing charges are good, not excellent. The after loan services are good and in all I was at ease.
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      , pune
      Reviewed on Sep 22, 2017
    • HDFC Bank Personal Loan
      0.5 4.0/5 "Great!"
      Rate of interest for the personal loan with the HDFC bank was around 13.5%, also am very well satisfied. I got the loan amount in ten days of time from the time, when I have applied. I would like to say that everything went in the good way.
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      , chennai
      Reviewed on Sep 22, 2017
    • HDFC Bank Personal Loan
      0.5 4.0/5 "Great!"
      Interest rate was okay for me with the HDFC bank for the personal loan. It took almost a week to get the loan. I have really felt that their customer service and other things are really fine one with the HDFC bank.
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      , navi mumbai
      Reviewed on Sep 22, 2017
    • HDFC Bank Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      The customer service of HDFC bank has told me that I got low credit score so that was the reason I haven't processes with the HDFC bank. The customer service of HDFC bank is good, they gave good response to the customers. The rate of interest is average with HDFC bank.
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      , chennai
      Reviewed on Sep 21, 2017
    • HDFC Bank Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I haven't got the loan from HDFC bank, because the document are not ready with me , so the executives were asking to submit the salary slips so that was the reason I haven't got the personal loan from HDFC bank. The rate of interest is high with HDFC bank.
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      , kottayam
      Reviewed on Sep 21, 2017
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