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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% - 20.75% Fixed
    Up to 2.5% One time fee
    25L Max
    1-5 years
    Response Time : Within 30 minutes
    Paperless approval available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    HDFC Bank Personal Loan is Rated as "Great!" by 13986 Users

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    Personal Loan BYTES FROM OUR KITCHEN

    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 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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    02
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    Minimum income required
    Rs.12,000 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

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    02

    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 21 Nov 2017

    HDFC Bank Personal Loan Details
    Interest Rate (Monthly reducing balance) 10.99% to 20.75%
    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, 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.

    Features and Benefits of HDFC Personal Loan

    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.

    Why apply for HDFC Personal Loan on BankBazaar.com?

    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.

    How to apply for a HDFC Personal Loan on BankBazaar.com?

    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 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 the status of their loan application through SMS alters as well as emails.

    HDFC Personal Loan Interest Rates

    When you take a personal loan from HDFC Bank, your interest rates will be very reasonable and competitive. Your interest rate will be determined by your loan amount, loan tenure, your income, and your credit score. The rack interest rate for salaried individuals is 10.99% to 19.8% p.a.

    Rates for April 2017 to June 2017:

    Internal rate of return (IRR) QI (2017-18)
    Minimum IRR 9.52%
    Maximum IRR 20.78%
    Average IRR 13.09%

    Annual Percentage Rate (APR) for April 2017 to June 2017:

    APR QI (2017-18)
    Minimum APR 9.52%
    Maximum APR 23.26%
    Average APR 13.32%

    HDFC Personal Loan Eligibility

    • In order to be eligible for a personal loan from HDFC, you will need to be a salaried employee or a self-employed individual.
    • If you are a salaried employee, you will have to be at least 21 years old and not more than 60 years old.
    • If you are a self-employed individual, you will need to be at least 21 years old and not more than 65 years old.
    • You do not need to make arrangements for a guarantor when you apply for an HDFC personal loan.
    • You do not have to furnish any security or collateral for this loan.
    • Your monthly income should range from Rs.15,000 to Rs.20,000.
    • For getting your HDFC personal loan application processed and approved, you will need to submit proof of address, identity proof, bank statements for the most recent 3 months, bank passbook for the most recent 6 months, your most recent salary certificate or salary slips, and your most recent Form 16.
    • For address proof, you can submit your electricity bill, rental agreement, ration card, telephone bill, or your passport. For identity proof, you can furnish your driving license, passport, Aadhaar, or your voter ID card.

    The above-mentioned documents will help in the verification process conducted by HDFC. If you submit appropriate documents accurately, your personal loan application and approval process will get done quickly. You can avoid wastage of time and get your funds from HDFC for meeting your various financial needs.

    HDFC Personal Loan for Salaried Employees

    • For a salaried employee, HDFC offers personal loans ranging from Rs.50,000 to Rs.90 lakh. A salaried employee who is interested in an HDFC personal loan should meet certain requirements that are imposed by the bank. The applicant will need to be at least 21 years old while applying for the loan and not more than 60 years when the loan matures.
    • He or she should be earning an income of at least Rs.15,000 every month. The applicant will be required to prove this income by giving a salary slip and Form 16. Whether the applicant is working in a private company or with the defence or with the government, he or she will need to furnish these documents.
    • Your credit history and credit score must also be good. If you have maintained good credit discipline by paying all your previous loan installments and credit card bills on time, then your loan eligibility will rise. Hence, before you apply for a personal loan from HDFC, make sure you have boosted your creditworthiness.
    • Apart from your income, the bank will also assess your job stability. If you have been moving from one job to another, your income flow could get impacted negatively. Hence, HDFC will check the number of years or months you have been with a particular company and then decide if your loan should be approved or not. They also prefer individuals who work full-time instead of part-time. Your employment status will also determine the interest rate for your personal loan.
    • HDFC will also evaluate your fixed obligations to income ratio (FOIR). The bank will compute the ratio of your fixed obligations (your other expenses, other prevailing loan EMIs, and financial commitments) to your income. To get your personal loan approved from HDFC, your FOIR should be at least 0.45.

    HDFC Bank Personal Loan for Self-Employed

    • If you are a self-employed individual and are looking for a reliable personal loan, you can check out HDFC personal loan. The bank offers loans of Rs.50,000 to Rs.50 lakh to self-employed applicants.
    • If you have been running a business for a period of at least 36 months, you will be eligible for a personal loan from HDFC. You will be required to furnish income tax returns for a period of 24 months in order to acquire this loan.
    • You can apply for any loan between Rs.50,000 and Rs.50 lakh as per your preference and ability to repay. The bank’s approval of your loan amount will depend on your monthly income as mentioned in your Income Tax returns and also your other fixed expenses including rent, office maintenance expenses, employees’ salaries, present EMIs that you have to pay for other loans, etc.
    • Apart from these above-mentioned aspects, HDFC will also check your FOIR to assess your repayment capability.

    How to calculate EMI for HDFC Bank Personal Loans?

    Before you apply for a personal loan from HDFC Bank, you can utilise an online EMI calculator to compute your EMIs. This will help you be aware of your total expenses for this personal loan. You can make use of any online EMI calculator provided by third-party financial websites or the official websites of HDFC.

    You can check out the personal loan EMI calculator offered by BankBazaar web portal. You will need to enter the loan amount, interest rate for your loan, and processing fee for different loan tenures. You will get different results for different loan tenures. You can change the loan amount and interest rate also. If you are planning to make a pre-payment, you can enter details associated with that also.

    The BankBazaar HDFC personal loan calculator is user-friendly and provides accurate results in just a few minutes.

    Let us take at the following table to understand how EMI is calculated for multiple years for various loan amounts. In the table given below, we have assumed that the interest rate is 10.99% and that the processing fee is 2%. The processing fee is usually a certain amount which is fixed by the bank or a certain percentage of your loan amount.

    Loan Amount Interest Rate EMI for 1 Year EMI for 2 Years EMI for 3 Years EMI for 4 Years EMI for 5 Years
    3 Lakhs 10.99% 26,513 13,981 9,820 7,752 6,521
    4 Lakhs 10.99% 35,351 18,641 13,094 10,336 8,695
    5 Lakhs 10.99% 44,188 23,302 16,367 12,920 10,869
    7 Lakhs 10.99% 61,864 32,622 22,914 18,088 15,216
    10 Lakhs 10.99% 88,377 46,603 32,734 25,841 21,737
    13 Lakhs 10.99% 1,14,890 60,584 42,554 33,593 28,259
    15 Lakhs 10.99% 1,32,565 69,905 49,101 38,761 32,606
    20 Lakhs 10.99% 1,76,754 93,206 65,468 51,681 43,475
    30 Lakhs 10.99% 2,65,131 1,39,810 98,202 77,522 65,212

    HDFC Personal Loan Balance Transfer

    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 Personal Loan Balance Transfer Offers

    If you are planning to save your money by minimising your EMIs for other loans, you can transfer your personal loan balance to an HDFC personal loan account. The balance transfer facility offered by HDFC Bank enables you to move the unsettled balance from your other personal loans and credit cards to a new personal loan account with HDFC. This will help you in minimising your financial burden. You can enjoy a lower interest rate with an HDFC personal loan balance transfer.

    You can enjoy additional benefits also with this facility. With this balance transfer feature, you can go for a top-up loan facility if you need additional funds for your various requirements. Moreover, you can enjoy a longer loan tenure with this facility.

    The documentation process for HDFC personal loan balance transfers is very minimal and quick. You can take the help of a bank representative at HDFC for completing the application process effectively.

    HDFC Balance Transfer Calculator

    The website of HDFC Bank has an advanced balance transfer calculator that helps you in understanding your balance transfer amount. In this calculator, you will need to key in your current personal loan amount, the rate of interest, your loan tenure, the number of EMIs that you have paid, and the new tenure that you want for your new HDFC personal loan. You will have to enter the loan tenure in months in this calculator. This calculator does not take foreclosure charges of a prevailing loan into account.

    Details regarding HDFC personal loan balance transfer

    Eligibility Criteria for HDFC Bank Personal Loan Balance Transfer
    Age of HDFC balance transfer applicant Minimum: 21 years Maximum: 60 years
    No. of years in employment 2 years and above
    Net monthly income Rs.15,000 and above (CAT-A companies) Rs.20,000 and above (Non-listed companies)
    Minimum work experience Work experience of at least 2 years out of which 1 year should be with present employer
    Loan details for HDFC Bank for balance transfer
    Minimum loan amount Rs.50,000
    Maximum loan amount Rs.15,00,000
    Minimum loan tenure for balance transfer 12 months
    Maximum loan tenure for balance transfer 60 months
    Turn Around Time of HDFC Bank balance transfer
    Salary below Rs.75,000 5 to 7 working days
    Salary higher than Rs.75,000 2 working days
    Salary available for making EMIs
    Up to Rs.25,000 per month 35% of salary is considered
    Rs.25,000 to Rs.50,000 per month 40% of salary is considered
    Above Rs.50,000 per month 45% to 50% of salary is considered

    HDFC Personal Loan Processing Time

    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.

    HDFC Personal Loan Preclosure

    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

    HDFC Personal Loan Verification Process

    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.

    HDFC Personal Loan Top Up

    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

    How are HDFC Personal Loans Different?

    HDFC personal loans are among the most sought-after options in times of financial emergencies as the interest rates offered by the bank can be as low as 10.99% p.a. Although you will have to incur costs on minor charges such as processing fee, service tax and the like, the implementation of the Goods and Services Tax (GST) has lowered the standard service tax rate from 18% to 15%, making HDFC personal loans the ideal bet for education, travel, or any other financial requirement.

    HDFC personal loans are offered at interest rates ranging from 10.99% to 16.75% p.a. The maximum amount you can avail through an HDFC personal loan is Rs.15 lakh, and the tenure can extend up to five years. Here are some of the main features of personal loans offered by HDFC Bank:

    • Attractive interest rates: HDFC offers personal loans for interest rates starting at just 10.99% p.a., making them the most attractive options in the market.
    • Free insurance cover: HDFC personal loans offer add-on benefits which include a personal accident cover of almost Rs.8 lakh. In addition to this cover, they also come with a critical illness cover of Rs.1 lakh.
    • Minimal documentation: The documentation process associated with an HDFC personal loan is minimal, and the disbursal is quite quick too. HDFC is considered one of the most convenient options due to the hassle-free manner in which you can avail a personal loan.
    • Special schemes for female applicants: HDFC offers personal loans to female applicants through a specialised scheme called Personal Loan Diva Scheme under which female applicants receive pre-approved loans worth Rs.3 lakh in addition to a number of products and brands.

    HDFC Personal Loan Status

    If you have taken a personal loan from HDFC Bank and want to track the status of your application, visit the official website of the bank and click on ‘Track My Application’. Once you open the link, a few details will have to be entered, such as the name of the applicant, his/her date of birth, and the loan reference number. After you have entered the details, you can view the status of your application.

    How CIBIL score affects HDFC Personal Loan Interest Rates?

    When you are applying for a personal loan from HDFC, it is very important that you are aware of your credit score provided by Credit Information Bureau (India) Limited (CIBIL). A CIBIL score indicates your previous credit history and your previous credit behaviour. The score denotes if you have made any late payments or if you have defaulted any loan installments in the past.

    Hence, it is very important that you focus on maintaining a high CIBIL score especially before applying for a new loan.

    The CIBIL score ranges from 300 to 900 in India wherein 300 is the lowest score and 900 is the highest. If you’re CIBIL score is 750, you are in the safe zone and you have high chances of getting your HDFC personal loan approved.

    If you’re CIBIL score is below 750, it is a bad sign. However, you do not have to worry if your HDFC personal loan will get approved or not. Your loan may get approved by the bank, however, you will have to pay an extremely high-interest rate. Hence, before you apply for the loan, ensure that you boost your credit score extensively. This will assist you in securing the loan that you really need for meeting your multiple financial needs.

    HDFC Bank Personal Loan Fees & Charges

    Processing fee 2.50% Minimum fee: Rs.1,000 Maximum fee: Rs.25,000
    Late payment penalty 24% for each year on the unsettled amount from the default date
    Pre-payment charges 2% of principal outstanding amount: More than 36 months 3% of principal outstanding amount: 25 to 36 months 4% of principal outstanding amount: 13 to 24 months
    Foreclosure charges Foreclosure is allowed after 12 EMIs Prepayment charges for different years: 2nd year: 4% 3rd year: 3% After 3 years: 2%

    HDFC Diva Personal Loan - Personal Loan for Women

    HDFC Bank specialises in providing personal loans to various individuals according to their specific requirements. The bank introduced an exclusive personal loan scheme to cater to the financial needs of women. Any working woman can apply for this loan and get the funds that they need. This loan scheme is aptly called ‘Diva Loan’.

    This loan product is designed to enable women to stand on their own feet without having to depend on others for financial support. A woman can handle any financial emergency or any other obstacle with the help of this loan scheme.

    Why Should Women Choose HDFC Bank Diva Personal Loan?

    HDFC Bank is dedicated to offering prompt and tailor-made financial solutions for all kinds of purposes. It is one of the banks in India that is striving to help women achieve everything that they dream of. The bank aims to help women so that they can stop depending on others for monetary assistance.

    When you go for the HDFC Bank Diva Personal Loan, you can be completely independent and make your wishes come true. You will not have to rely on your parents, spouse, siblings, or friends for funds.

    You can get a loan of up to Rs.3 lakh under this particular loan programme. Moreover, you can enjoy the Diva privilege when you purchase goods and services at select stores. You can also procure a pre-approved loan under this scheme.

    How Would You Redeem Your Privilege Points?

    With the HDFC Bank Diva Personal Loan, you will receive special Diva privilege points. These points will help you save money extensively and you can also enjoy exclusive offers. You can choose from online vouchers, M-coupons, and gift vouchers. You will need to follow a few important steps in order to redeem these privilege points.

    For redeeming gift vouchers or product vouchers

    • You first have to contact the HDFC team by calling their customer care centre or by sending an email to them and mention your unique Diva number.
    • Next, after your Diva number is verified, you will receive a verification email on your email ID.
    • You can then buy your gift or product voucher by paying through card or cash.
    • You will receive your gift or product voucher within 15 days. It will be delivered to your registered address.

    For redeeming online offers

    • You will first have to give your unique Diva number by contacting the HDFC customer care centre through call or by sending an email to the HDFC customer care team.
    • You will need to select the online offer that you are interested in. Next, you will get a verification email regarding the product that you have chosen.
    • You will then obtain your voucher code and information regarding the redemption in the form of an email.
    • You can then sign into your partner’s or merchant’s website and you can utilise the voucher code when you pay for your goods or services.

    For redeeming M-coupons

    • First, you will be required to mention your unique Diva number by calling the HDFC customer care centre or by sending an email to the customer care centre of HDFC.
    • After you get your Diva number verified, you will receive a verification email with details about the product that you have chosen.
    • Once you confirm the details, you will receive a promo code on your mobile number in the form of an SMS. You will be required to show this SMS at the store that you visit for purchasing a product or service.

    HDFC Professional Loan

    If you are planning to take a loan, you can approach HDFC Bank for several loan options. According to your specific preferences and needs, you can go for a loan from the bank. HDFC has a special category of loans for professionals. The documentation process for this loan category is quick and minimal. You can enjoy affordable interest rates for these loans. Whether you are a doctor, a teacher, a chartered accountant, a lawyer, or an advocate, you can cultivate your skills in your profession with the help of this loan.

    You can also build your business or firm related to your profession with the help of this loan scheme offered by HDFC.

    Features of HDFC Professional Loan

    • The rate of interest for HDFC Professional Loans ranges from 14.5% to 15.25% p.a.
    • You will need to apply for a loan of up to at least Rs.50,000 and the maximum amount for this loan product is Rs.40,00,000.
    • Your loan quantum will be determined as per your income, cap on your loan, and your repayment ability.
    • You will be required to pay a processing fee of 2.5% on your loan amount.
    • You can make a pre-payment of your professional loan only after completing 6 EMIs.

    Benefits of HDFC Professional Loan

    • Under this loan category, doctors can get special loan offers.
    • You do not have to furnish any security or collateral in order to avail this loan product.
    • The bank follows competitive pricing for this loan product.
    • These loan applications get approved very quickly.
    • You can apply for this loan scheme online conveniently on the official website of HDFC Bank.
    • You can check your eligibility for this loan online by visiting the bank’s website. This will help you have a clear idea if you can apply for the loan or not. If you find out that you are eligible for this loan, you can go ahead and apply. If you get to know that you are not eligible, then you can take necessary measures to improve your eligibility prospects. This will then assist you in applying for the loan successfully.

    Eligibility criteria for HDFC Professional Loan

    • You need to have at least 4 to 5 years of work experience after completing your professional courses such as chartered accountancy, medicine, law, architecture, company secretary, etc.
    • You should be at least 25 years old while applying for this loan and not more than 65 years old when your loan matures.
    • You should be earning profits at least for 2 years in your business or firm.
    • Your annual income should be at least Rs.1 lakh p.a.

    HDFC Personal Loans in 10 Seconds

    There is no doubting the importance of time in a fast-paced world, and to ensure that you do not waste too much time, HDFC Bank offers personal loans in just 10 seconds. Regardless of the reason for which you may require financial help, India’s second-biggest private lending institution has launched an attractive offer that has caught the eye of millions across the country. Here are some of the features of HDFC 10 Second Personal Loan Offer:

    • It is a paperless loan scheme.
    • The process for approval and disbursal is transparent and hassle-free.
    • It only takes 10 seconds to disburse the loan so that precious time can be saved.
    • Women customers can make the most of lower interest rates ranging from 11.49% to 19.50%.
    • The tenure ranges from one year to five years.
    • The maximum amount that can be borrowed against this loan is Rs.15 lakh.
    • There are no hidden charges and the processing fee is quite low.
    • Zero prepayment charges in case the loan amount is in excess of Rs.10 lakh and the customer earns a monthly salary more than Rs.75,000.

    Get Instant Personal Loan through HDFC Bank ATMs

    • Are you an HDFC account holder? You can now enjoy instant personal loans by stepping into any HDFC Bank ATM! According to your salary credits, card repayments, transaction information, you will receive your loan. You can obtain small instant loans at any HDFC ATM by simply providing your basic details. The HDFC ATM will serve as a credit officer for small loans.
    • HDFC Bank has an analytics engine that helps in monitoring the credit history and transaction history of the loan applicant. This engine also checks the credit score of the applicant and helps in deciding if the loan application should be approved or not.
    • The customer only has to touch a few buttons on the ATM machine or touch a few icons on the ATM screen and then choose the loan amount. Accordingly, the applicant will receive his or her loan in just a few minutes.

    Applying for HDFC Personal Loan in 10 seconds

    If you wish to apply for a personal loan from HDFC Bank, you will have to log in to your HDFC net banking account and visit the “Offers” page. On this page, you will have to look for a banner that says “Pre-approved Personal Loan” and once you locate it, click on “Apply Now”. The bank will credit the pre-approved personal loan amount to your account immediately without any verification or documentation process.

    HDFC Insta Jumbo Loan

    Jumbo Cash, as it was previously known, HDFC Intsa Jumbo Loan is a pre-approved loan offered above the credit limit of your HDFC credit card. Any customer who holds an HDFC credit card and an active HDFC savings account can apply for an HDFC Insta Jumbo Loan. The loan amount will be disbursed via credit to your HDFC savings accounts once your application is approved and the loan is sanctioned.

    Some of the main reasons as to why the HDFC Insta Jumbo Loan has attracted so much interest from across the country is because the disbursement is quick, there is no documentation, the interest rates are attractive, the tenure is flexible, and the credit limit will not be blocked on your credit card when you avail this loan.

    How to Apply for and Avail HDFC Insta Jumbo Loan?

    HDFC Bank credit card customers can apply for an HDFC Insta Jumbo Loan through net banking and phone banking. If you use the net banking route, you will have to log in to your HDFC netbanking account and click on “Cards”, then select “Credit Cards”, then hit “Transact” and select “Insta Jumbo Loan”. Phone banking can also be used to avail personal loans from HDFC Bank.

    Repayment of HDFC Insta Jumbo Loan

    The interest on an HDFC Insta Jumbo Loan is calculated using the reducing balance method. Here is an indicative EMI table wherein the interest rate is calculated at 1.25% per month.

    Loan Amount 60 months 48 months 36 months 24 months 12 months
    Rs.50,000 Rs.1189 Rs.1392 Rs.1733 Rs.2424 Rs.4513
    Rs.1 lakh Rs.2379 Rs.2783 Rs.3467 Rs.4849 Rs.9026
    Rs.2 lakh Rs.4758 Rs.5566 Rs.6933 Rs.9697 Rs.18,052
    Rs.3 lakh Rs.7137 Rs.8349 Rs.10,400 Rs.14,546 Rs.27.077
    Rs.4 lakh Rs.9516 Rs.11,132 Rs.13,866 Rs.19,395 Rs.36,103
    Rs.5 lakh Rs.11,895 Rs.13,915 Rs.17,333 Rs.24,243 Rs.45,129

    When you avail an HDFC Insta Jumbo Loan, a new card number shall be created for the account and you will receive a separate monthly statement for the same. The payment due date and the billing cycle date will remain the same as the credit card account. The monthly account statement will see the EMI billed to it starting from the first billing cycle date after the loan was taken.

    Within seven days from the date on which you book the loan, the auto-pay feature for EMI debit shall be activated and your savings account will be debited for the overall amount due on the payment due date as mentioned in the loan monthly statement. You will have to ensure that sufficient balance is maintained in your savings account prior to the payment due date.

    HDFC Insta Loan

    An Insta Loan from HDFC Bank is a pre-approved loan within the credit limit on a customer’s HDFC Bank credit card. In this loan, the loan amount is blocked against the credit limit.

    When you avail an Insta Loan from HDFC Bank, the loan amount will be credited immediately to your HDFC Bank savings account. The interest rates applicable to an Insta Loan are quite attractive and there is no documentation required to avail it. The repayment tenure is also flexible, and the loan amount will be disbursed via credit to your HDFC Bank savings account or via a demand draft drawn in the applicant’s name in keeping with the bank’s credit card records.

    How to Apply for and Avail HDFC Insta Loan?

    Only some customers who have an HDFC Bank credit card can avail the Insta Loan. Eligibility can be checked by logging in to your HDFC net banking account and clicking on “Cards”, then “Credit Cards,” “Transact”, and “Insta Loan”. You can also call the bank’s phone banking number at any time to check your availability for the loan.

    Repayment of HDFC Insta Loan

    The interest on HDFC Insta Loans is calculated using the reducing balance method. Here is an indicative table wherein the interest rate is calculated at 1.25% per month.

    Loan Amount 48 months 36 months 24 months 18 months 12 months
    Rs.50,000 Rs.1392 Rs.1733 Rs.2424 Rs.3119 Rs.4513
    Rs.1 lakh Rs.2783 Rs.3467 Rs.4849 Rs.6238 Rs.9026
    Rs.2 lakh Rs.5566 Rs.6933 Rs.9697 Rs.12,477 Rs.18,052
    Rs.3 lakh Rs.8349 Rs.10,400 Rs.14,546 Rs.18,715 Rs.27.077
    Rs.4 lakh Rs.11,132 Rs.13,866 Rs.19,395 Rs.24,954 Rs.36,103
    Rs.5 lakh Rs.13,915 Rs.17,333 Rs.24,243 Rs.31,192 Rs.45,129

    The EMI amount along with the education cess and service tax (Monthly payment dues) shall be billed to you in the monthly statement starting from the immediate billing cycle date. These dues will be part of the minimum amount due that appears on your monthly credit card statement. It is essential to pay the minimum amount due to ensure that your card remains active. Interest will be levied along with other applicable fees on the balance outstanding.

    HDFC Personal Loan Customer Care

    If you avail a personal loan from HDFC, you can rest assured that any complaints or queries you may have will be resolved immediately thanks to the company’s 24x7 helpline. Customer care representatives can be reached over the phone by dialling 1800-425-4332, 1800-22-1006, or 1800-22-4060. You can also reach out to the bank via Click2Talk, Webchat and SMS.

    HDFC Personal Loan FAQs

    1. What is the interest rate range for HDFC Personal Loan?
    2. The interest rate for HDFC personal loans ranges from 10.99% to 19.8% p.a.

    3. What is the maximum personal loan amount offered by HDFC Bank?
    4. HDFC Bank offers personal loans up to Rs.25 lakh.

    5. If I apply for HDFC Personal Loan through BankBazaar, how long will it take for me to receive a response?
    6. If you apply for HDFC Personal Loan through BankBazaar, you will receive a response within 30 minutes.

    7. Do I need a guarantor to apply for a personal loan from HDFC?
    8. No, you do not need to make arrangements for getting a guarantor to apply for an HDFC personal loan.

    9. What is the pre-closure fee for HDFC personal loans?
    10. If you prepay your HDFC personal loan in the 2nd year, you will have to pay 4% of the principal outstanding amount.

    11. If I take a personal loan from HDFC, will I be able to make a part-payment option?
    12. No, you will not be able to make a part-payment option.

    13. What is the typical processing fee charged by HDFC for personal loans?
    14. You will be charged up to 2% as a one-time processing fee by HDFC for your personal loan. This processing fee will not be refunded.

    15. When can I make a pre-closure of my HDFC personal loan?
    16. You can make a pre-closure of your HDFC personal loan after you complete 1 year of your loan tenure.

    17. How long will HDFC Bank take to verify my personal loan application?
    18. HDFC Bank typically takes 1 to 2 days to assess your personal loan application form and your relevant documents. A reliable team from the bank that exclusively deals in verification of various application forms will contact the applicant to verify certain information. You can verify documents such as passport, Aadhaar card, and PAN card online itself.

    19. What are the repayment methods available for my HDFC Personal Loan?
    20. You may repay your HDFC Personal Loan via ECS, post-dated cheques or standing instruction to debit the loan EMI amount from your HDFC bank account.

    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

    Most Recent Articles on HDFC Personal Loan

    SBI, HDFC and ICICI providing Personal Loans through ATMs

    In this technological era, when everything has become automated, banks have come up with the latest method of providing personal loans through ATMs. This process has taken over the hassle of visiting banks personally and talk with the executives for hours to get a personal loan sanctioned. These loans are very convenient to get, the disbursal time is less and ideal for emergency. SBI, HDFC Bank and ICICI Bank are the leading Indian banks which have adopted this automated method of giving personal loan. Go through this article to get a detailed idea about the automated personal loans provided by these three banks. Check more details about Personal Loan from ATMs

    How taking Personal Loans can benefit Private Sector Businesses?

    Setting up a business is the dream of many people. But for setting up a new business in the private sector one needs a huge amount of money. Though banks are providing business loans for this purpose, the process of approval and disbursal is quite lengthy. Instead, you can take an easy and fast personal loan to invest in your business. In this article, you will get to know what advantages a personal loan has over business loan and the top banks that provide such loans. This will also help you to understand how a personal loan can be used by private sector companies to finance their activities. Learn more about Personal Loan for Private Sector

    Factors that affect Personal Loan Approval of Non-listed Companies in Hyderabad

    Every company needs a good amount of money to invest in its business. But the non-listed companies often find difficulty in getting a loan as most of the banks and financial institutions feel sceptical to give them loan due to factors like instability and outstanding debts. If you want to get a loan in spite of being a part of a non-listed company in Hyderabad, you need to know both the positive and the negative parameters that impact the process of loan approval. Read this article to know about all the factors that are considered by the banks while approving a loan for such companies. Know more about Loans for Non-listed Companies in Hyderabad

    News About HDFC Bank Personal Loan

    • HDFC Bank makes a 20% rise in second quarter net profit

      According to sources, HDFC Bank attained a 20% rise in its second quarter net profit in spite of a near-doubling in its provisions. The net profit of the bank reached Rs.4.15 crore which was Rs.3.45 crore last quarter. The net interest income of the bank went up by 22% to reach Rs.9.75 crore. The other income increased to reach Rs.3.6 crore. The structure of current account, savings account (CASA) deposits among the overall deposits of the bank increased from 40% last quarter to 42.9% this quarter.

      30th October 2017

    • 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.

      14th July 2016

    • 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.

      17th June 2016

    • 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.

      16th October 2015

    • 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.

      23rd September 2015

    • 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.

      10th September 2015

    • 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.

      4th September 2015

    • 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.

      4th August 2015

    HDFC Bank Personal Loan Reviews

    • HDFC Bank Personal Loan
      "Better"
      0.5 3.0/5 "Satisfactory"
      I was asking for 2 lakh Rupees as personal loan while they have committed that they can give only lesser amount. I would like to say taht the customer service is good with the HDFC bank, also am really okay with them till now.
      Was this review helpful? 0
      , agra
      Reviewed on Nov 20, 2017
    • HDFC Bank Personal Loan
      "Good. Can do better"
      0.5 3.0/5 "Satisfactory"
      I have taken a personal loan from HDFC Bank and the process to get the loan was good and I got it on time. The rate of interest and processing charges is normal. But the foreclosing process was not convenient. I was repeatedly asked to come and it the job was not done on one day.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 20, 2017
    • HDFC Bank Personal Loan
      "Very Good service"
      0.5 5.0/5 "Blown Away!"
      I got the Personal loan from HDFC bank with in 10 seconds, because it is a pre-approved loan . I never submitted any documents they already have my documents with my savings account. The rate of interest and the charges are average with HDFC bank. The required loan amount has been given and I am satisfied with it.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 20, 2017
    • HDFC Bank Personal Loan
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      I have taken a personal loan service from HDFC the documents part was very easy they collected from my door step the interest rate they offered me was 16 % fine the customer service was prompt with HDFC it was totally a good experience with HDFC for my personal loan service.
      Was this review helpful? 0
      , srikakulam
      Reviewed on Nov 20, 2017
    • HDFC Bank Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have a personal loan from HDFC the interest rate they offered me was fine the customer service was good the documents part was easy they dispersed my loan amount on time also I feel the charges of HDFC was fine compare to others in the market it was totally a good experience with HDFC for my personal loan service.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 20, 2017
    • HDFC Bank Personal Loan
      "Average service"
      0.5 5.0/5 "Blown Away!"
      I have taken a personal loan with HDFC bank, it was overall a good loan experience. The loan amount was for Rs 4 lakhs with the rate of interest of 15.78% which is high when compared to other banks. I submitted all my documents online and the process was very smooth. Customer service was good and they responded on time. My loan amount was approved within a week which is a normal time.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Nov 18, 2017
    • HDFC Bank Personal Loan
      "Need to improve service"
      0.5 3.0/5 "Satisfactory"
      I have applied for a personal loan with HDFC bank. They took a longer time to disburse. I applied in 1st week of September 2017 and the loan got disbursed at 28th September 2017. They offered me the personal loan with the processing fees and insurance Rs. 3600 and around 13% - 14% as rate of interest. I asked them for an email confirmation but till now it is not received.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 18, 2017
    • HDFC Bank Personal Loan
      "GOOD"
      0.5 4.0/5 "Great!"
      It was a good customer service form the HDFC bank side for the Personal loan . As i am living in Bangalore i wanted a call from the Bangalore branch but instead to that i received call from my native home branch . Rest every thing was good from the bank .
      Was this review helpful? 0
      , tenkasi
      Reviewed on Nov 18, 2017
    • HDFC Bank Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      My personal loan experience with HDFC was good, there was no delay in processing and the process was smooth. It took one week for the loan to get approved which is a normal time. I have taken loan for Rs 2.5 lakhs with the rate of interest of 14.5% which is high comparatively. No documents were required as i already hold a salary account with this bank.
      Was this review helpful? 0
      , delhi
      Reviewed on Nov 18, 2017
    • HDFC Bank Personal Loan
      "Services are good"
      0.5 5.0/5 "Blown Away!"
      I recently took my personal loan from HDFC Bank. It has been just three months now. The interest rate was around 11.20% and the customer services was perfect. There was no delay and the I was comfortable with the whole process. The after loan services are good too.
      Was this review helpful? 0
      , tiruchirapalli
      Reviewed on Nov 18, 2017
    • HDFC Bank Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have applied for a personal loan with HDFC bank before 2 years and it's still active loan. They collected the documents by next day and within 10 days my personal loan got approved and disbursed my funds after my documents submission. They offered me the loan with 8.5% as rate of interest and the processing fees is Rs. 20000.
      Was this review helpful? 0
      , rewari
      Reviewed on Nov 18, 2017
    • HDFC Bank Personal Loan
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I took a personal loan from the HDFC bank . The bank gave me a Full approval on the amount i asked for .the amount got Disbursed in a day to my account . The Rate of interest was a bit it was I6% and the processing fee was nominal but the bank did not provide me Pre closure part payment option .
      Was this review helpful? 0
      , jodhpur
      Reviewed on Nov 18, 2017
    • HDFC Bank Personal Loan
      "Average service"
      0.5 4.0/5 "Great!"
      I have applied for the personal loan from HDFC bank, my loan application was closed because there was no requirement of loan as of now, i am planning to get the loan in month of February. Customer service from HDFC bank was good, they responded on time. The rate of interest is high when compared to others in the market.
      Was this review helpful? 0
      , surat
      Reviewed on Nov 18, 2017
    • HDFC Bank Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have applied for a personal loan with HDFC bank. They collected the documents by next day and within a week my personal loan got approved and disbursed my funds after my documents submission. They offered me the loan with 10.99% as rate of interest and there is no processing fees.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 18, 2017
    • HDFC Bank Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have previously applied for the personal loan from HDFC bank, it was a good loan experience. The loan amount was for Rs 5 lakhs with the rate of interest of 13.75% which is high when compared to other banks. The process was very smooth, the services were delayed due to festival. Customer service and their response was good, they provided door step service to collect the documents.
      Was this review helpful? 0
      , pune
      Reviewed on Nov 18, 2017
    • HDFC Bank Personal Loan
      "GOOD"
      0.5 4.0/5 "Great!"
      It was a good customer service i received form the HDFC Bank side for the personal loan i applied for . I got a full approval on the loan amonut i wanted for . The money got Disbursed to my account within 2 working days . Rate of interest was 11.5% low only and processing fee was 1500 rs . Pre closure option is there with charges applied to it .
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 18, 2017
    • HDFC Bank Personal Loan
      "Fast loan approve"
      0.5 5.0/5 "Blown Away!"
      HDFC is doing well in term of loan experience, service is good they provide hassle free service. I took the amount of Rs. 5 lakhs, again I done the top up of Rs. 7 lakhs, but their interest rate is nominal in the market, it should be reduced, so many customers can avail it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 18, 2017
    • HDFC Bank Personal Loan
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I found lot of delay in the process of HDFC for my personal loan service but I feel lot of communication problem with HDFC service they provided me with affordable interest rate and the customer service was good with HDFC for my personal loan service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 17, 2017
    • HDFC Bank Personal Loan
      "Better service"
      0.5 5.0/5 "Blown Away!"
      I got the personal loan with HDFC bank around a year ago, The customer support was prompt in the personal;loan process. They have disbursed the loan amount within a week time. The requested loan amount has been disbursed and I am satisfied with it. The rate of interest is high with HDFC personal loans when compared with others banks.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 17, 2017
    • HDFC Bank Personal Loan
      "Needs to improve"
      0.5 1.0/5 "Really Bad"
      I have applied for the personal loan from HDFC bank, my loan application was closed because there was no proper follow up after the application was submitted. The customer service team did not respond and there was no call back from them to collect the documents. The rate of interest was not an issue.
      Was this review helpful? 0
      , allahabad
      Reviewed on Nov 17, 2017
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