Multiple banks. Different interest rates. Call it a "conflict of interest".
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  • HDFC Insta Jumbo 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
      "Satisfactory"
      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.
      Was this review helpful? 0
      , 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
      "Satisfactory"
      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 .
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 22, 2017
    • HDFC Bank Personal Loan
      "Satisfactory"
      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.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 22, 2017
    • HDFC Bank Personal Loan
      "Best"
      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
      "Satisfied"
      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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    HDFC Insta Jumbo Loan is Rated as "Great!" by 13238 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Personal Loan BYTES FROM OUR KITCHEN

    HDFC Insta Jumbo Loan

    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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