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    We found 1 HDFC Insta Jumbo 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 option available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews

    HDFC Insta Jumbo Loan is Rated as "Great!" by 12882 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

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    Personal Loan BYTES FROM OUR KITCHEN

    Insta Jumbo Loan on HDFC Credit Card

    HDFC Insta Jumbo Loan was earlier known as Jumbo cash, it is a pre-approved loan that is provided above the credit limit on your HDFC Credit card. The loan amount is not blocked against the credit limit.

    Eligibility Criteria for HDFC Insta Jumbo Loan

    The HDFC Insta Jumbo Loan can be availed by:

    • HDFC Credit card customer who have an active HDFC Bank savings account.
    • You can check your eligibility through net banking, phone banking or you can call the sales officer through your registered contact number or you will be informed via SMS to your registered contact number.

    Loan disbursement

    The loan is disbursed through credit to your HDFC Bank savings account after it has been sanctioned.

    Loan repayment

    A new card number is created for Insta Jumbo Loan account and a separate monthly statement is sent for the account. But the billing cycle and the payment due date is the same as your credit card account. The EMI will be billed in the monthly account statement which starts from the immediate billing cycle date. Auto pay option for the Insta Jumbo Loan account will be activated from 7 days from the date of booking the loan. Your savings account will be debited for the total amount due on the payment due date as indicated in the monthly statement or within 5 working days from the payment due date. You will however have to maintain sufficient balance in your savings account before the payment due date.

    EMI amount is calculated using the reducing balance method and the amount that is payable every month is as follows:

    Month Loan amount of Rs.50,000 Loan amount of Rs.1,00,000 Loan amount of Rs.2,00,000 Loan amount of Rs.3,00,000 Loan amount of Rs.4,00,000 Loan amount of Rs.5,00,000
    60 months Rs.1,189 Rs.2,379 Rs.4,758 Rs.7,137 Rs.9,516 Rs.11,895
    48 months Rs.1,392 Rs.2,783 Rs.5,566 Rs.8,349 Rs.11,132 Rs.13,915
    36 months Rs.1,733 Rs.3,467 Rs.6,933 Rs.10,400 Rs.13,866 Rs.17,333
    24 months Rs.2,424 Rs.4,849 Rs.9,697 Rs.14,546 Rs.19,395 Rs.24,243
    12 months Rs.4,513 Rs.9,026 Rs.18,052 Rs.27,077 Rs.36,103 Rs.45,129

    The interest rate is calculated at 1.25% per month. The monthly due includes EMI and service tax on the interest amount of the EMI.

    You can also make use of the EMI calculators available online to determine the EMI amount that is due each month. You will just have to choose the type of loan that you are applying for and entering the required loan amount, then choose the repayment term and finally enter the interest rate charged each month and then hit the calculate button. You will get a complete detail of the EMI that you will be paying each month for the repayment term.

    Terms and conditions of HDFC Insta Jumbo Loan

    The terms and conditions of applying for HDFC Insta Jumbo Loan are as follows:

    • Only HDFC Credit card customers are eligible for the loan and the bank reserves the right to decide the eligibility.
    • CIBIL verification will be after you have submitted the application form.
    • Separate monthly statement will be sent to for the loan.
    • EMI will include the principal amount as well as the interest amount.
    • Auto pay option will be activated within 7 days of booking the loan. It will be linked to your HDFC Bank savings account.
    • You need to maintain sufficient balance in your savings account.
    • If you miss the payment or make a partial payment towards the loan, you will be fined with Rs.500 penalty plus service tax.
    • Processing fee is charged in the immediate billing cycle after booking the loan.
    • Partial prepayment or closure is not allowed.
    • Loan can be pre-closed at any time and the prepayment charge is 3% of the balance principal outstanding.
    • Service tax is charged on the processing and pre-closure charges.
    • Loan once approved cannot be cancelled.
    • Interest rate is calculated on a reducing balance method.
    • Tenure and the rate of interest is set at the time of booking the loan.
    • Only one HDFC Insta Jumbo Loan can be availed at any time.
    • If you miss the EMI, the loan account services will be suspended.
    • The bank reserves the right to alter, modify or change the terms and conditions at any time.
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  • HDFC Insta Jumbo Loan Reviews

    • HDFC Bank Personal Loan
      "They should be transparent in their process"
      0.5 2.5/5 "Just OK"
      HDFC did not meet my expectation, they told me 12% of interest but charged me 13% for the principle amount of Rs. 4 lakhs for the tenure of four years, whatever they committed they have not provided that, Hence I am not that much happy with their service.
      Was this review helpful? 0
      , pune
      Reviewed on Aug 21, 2017
    • HDFC Bank Personal Loan
      "Moderate Service"
      0.5 3.5/5 "Pretty good"
      Interest rate is something moderate when compared with other banks. I approached HDFC bank for my personal loan and got the loan from the bank without any issues. All I do have savings account with the same bank and I never faced any issues with the bank till date.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Aug 21, 2017
    • HDFC Bank Personal Loan
      "Good process"
      0.5 4.0/5 "Great!"
      HDFC offered a good interest rate when I had applied for the personal loan. The bank handled the entire loan process promptly and they had delivered such a good service which is really approachable. Customer support is really good and helpful.
      Was this review helpful? 0
      , pune
      Reviewed on Aug 21, 2017
    • HDFC Bank Personal Loan
      "Happy with the interest rate"
      0.5 4.0/5 "Great!"
      I am happy to share my experience about HDFC bank for the personal loan process. The rate of interest which is of 10.40% for the loan and it is too good than the other banks. Entire loan process was fine. The process was quite fast and the customer service and support is much approachable.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 21, 2017
    • HDFC Bank Personal Loan
      "Moderate Service"
      0.5 3.0/5 "Satisfactory"
      I thought the interest rate for the personal loan would be around 13 to 14% and I had expected the same when I was applying for the loan. But the HDFC quoted 15% for the personal loan so it is little higher than the other banks in the market. Apart the interest rate, rest of the services are good.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Aug 21, 2017
    • HDFC Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I had a loan experience from HDFC bank about 4 years ago. They have disbursed my loan within 15 days of time. The rate of interest was high when compared with others. The processing fee and the additional charges are also high with HDFC personal loan. The required loan amount has been disbursed and I am satisfied with it.
      Was this review helpful? 0
      , pune
      Reviewed on Aug 21, 2017
    • HDFC Bank Personal Loan
      "Very quick process"
      0.5 3.0/5 "Satisfactory"
      Received a Personal loan from HDFC bank a year ago. The customer service was good with HDFC , they gave proper response in concern to my personal loan. They have approved my loan and disbursed it within a day time, because I have applied through HDFC net banking. It is a pre approved loan. Around 1 % they have made in my loan processing fee and charges. The interest rate was nominal when I was getting the loan from HDFC bank. I am satisfied with the loan amount.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Aug 21, 2017
    • HDFC Bank Personal Loan
      "Interest rate is high"
      0.5 2.5/5 "Just OK"
      A drawback of HDFC bank is the interest rate. I have the personal loan with HDFC bank with 15% of interest rate. In that way, Standard Chartered bank is good because they provided lower interest rate than HDFC bank. But when it comes to the service, HDFC is good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 21, 2017
    • HDFC Bank Personal Loan
      "Good rate of interest "
      0.5 5.0/5 "Blown Away!"
      When compared to ICICI the rate of interest in HDFC bank is low, I am extremely happy that I completed the loan with in a span of two years. The service and documentation process was very good with HDFC when compared to ICICI.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 21, 2017
    • HDFC Bank Personal Loan
      "Good experience but system should be updated"
      0.5 4.5/5 "Excellent!"
      I am very fine with loan process of HDFC, everything is good. But after my loan disbursement. I were getting a call from same bank for new personal loan. I hope they were not updated their system, they should work on it. Remaining all good and satisfactory.
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 21, 2017
    • HDFC Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      HDFC giving good service, I have taken personal loan last year, at the time they offered me the interest rate of 11.49% for the principal amount of Rs.15 lakhs. HDFC gave me the tenure period of four year, entirely I am quite happy with HDFC as it provides competitive rate as per the market.
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 21, 2017
    • HDFC Bank Personal Loan
      "AVERAGE"
      0.5 3.0/5 "Satisfactory"
      I was about to take a personal loan from HDFC I received call from bank and they asked all the details later I told i required the loan of 2 to 3 lakhs but the bankers said they cannot offer that much, So later on I told them Iam not interested
      Was this review helpful? 0
      , nizamabad
      Reviewed on Aug 20, 2017
    • HDFC Bank Personal Loan
      "DISSATISFIED"
      0.5 5.0/5 "Blown Away!"
      HDFC bank personal loan was kind of ok for me because of their customer service and their assistance what they provide is a better one but they have contacted very later the loan amount I had idea of talking it 2.50 so I have approached direct to the bank and opted for the personal loan
      Was this review helpful? 0
      , hoshiarpur
      Reviewed on Aug 20, 2017
    • HDFC Bank Personal Loan
      "DISSATISFIED"
      0.5 1.0/5 "Really Bad"
      I have got the personal loan with the HDFC bank and the rate of interest was around 15% There was some discrepancies with the customer service, I have asked them tenured for 5 years bu they have offered me 3 years later I called them nay time no answer, over all it was very bad experience and will not recommend anyone for this.
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 20, 2017
    • HDFC Bank Personal Loan
      "Not recommendable product"
      0.5 1.0/5 "Really Bad"
      HDFC loan sanctioning process was fast but interest rate was high and their executive was not upto the mark. I have missed two payment because financial issue but their recovery agent did not understand that, they spoke very rude on call . Therefore, I am very dissatisfied with their service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 19, 2017
    • HDFC Bank Personal Loan
      "Approachable"
      0.5 3.0/5 "Satisfactory"
      Exactly in the last year I had taken the personal loan from HDFC bank. I could not remember the interest rate accurately but at that time I had received the loan in expected time. The process was quick. Customer service is approachable as always.
      Was this review helpful? 0
      , salem
      Reviewed on Aug 19, 2017
    • HDFC Bank Personal Loan
      "Nice Experience"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has been good in the personal loan process. It was overall nice and it was on time as well. The documentation was collected from my residence and it was as promised. The rate of interest was around 13% and the processing charges were very much normal.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 19, 2017
    • HDFC Bank Personal Loan
      "Fast process"
      0.5 5.0/5 "Blown Away!"
      The personal loan process was done within three to four business days. HDFC Bank has been good and the executive came to my doorstep and collected the documents which was a excellent service. The interest rate and the processing charges was also nominal.
      Was this review helpful? 0
      , shyamnagar
      Reviewed on Aug 19, 2017
    • HDFC Bank Personal Loan
      "Nice Experience"
      0.5 5.0/5 "Blown Away!"
      I am comfortable and happy with HDFC Bank and the overall experience is good. I have taken a personal loan and the customer services are good. They were responsive as the process was on time. The interest rate and processing charges were very much normal.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 19, 2017
    • HDFC Bank Personal Loan
      "Prompt in all aspects"
      0.5 4.0/5 "Great!"
      Previous to Capital First, I had taken the personal loan from HDFC bank. HDFC has proper channels for all kind of financial services. There is no place for wrong commitments. Even they never ever disconnect the call if the customer is talking to them. Such a fantastic service. Moreover, they have a brilliant customer support team.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 19, 2017
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