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HDFC Personal Loan

A personal home loan is acquired for travel expenses, medical expenses, marriage, educational related or to improve the existing house. This is a loan which is done by less paperwork and doesn't include any equity or protection. This loan is used to satisfy specific financial needs. Hdfc Bank is one of India's largest source for personal loans, seeking the best loan opportunities to individuals with peculiar features and functionality. Hdfc personal loan is a stunning element to provide versatile tenures, favourable interest rates, easy repayments and fast disbursements. Hdfc Personal loan is designed to deal instantly and efficiently with numerous financial requirement of the applicant. This makes Hdfc Personal to be India's largest personal loan provider.

Loan Name Interest Rate Processing Fee Loan Amount Tenure
HDFC Bank Personal Loan 15.50% - 21.50%, Fixed up to 2.50% of loan amount 40L Max 1-5 years
Details
Documents Required

  • Proof of Identity and Residence: Aadhaar Card, Passport, Driving License, Election ID Card
  • Duly filled in application form along with recent passport size photographs
  • Proof of Income: Last 6 months Bank statement showing salary credits, latest Form 16 and Income Tax Returns, Recent 3 months Salary Slips
  • Bank statements for the last 6 months
  • Employment Contract / Appointment Letter
  • Recent Pay Slip / Current dated salary certificate with the latest Form 16.
Benefits

  • The applicant gets 30 years to repay the loan
  • Attractive Interest Rates
  • Affordable and easier equated monthly instalments over the tenure of the loan
Eligibility

  • The minimum age of the applicant should be 21 years.
  • The maximum age of the applicant should be 60 years.
  • The applicant should be an Indian resident.
  • Individuals who are employed in private limited companies, public sector undertakings, central government, state government and local bodies are eligible to secure a personal loan
  • Individuals who are currently employed for at least 2 years, ewith minimum 1 year of experience with the current employer
  • An applicant will get a maximum tenure of 60 months to repay the loan.
  • Individuals who earn a minimum salary of Rs 15,000 per month (Rs 20,000 a month if they reside in metro cities like Bengaluru, Delhi, Mumbai, Chennai, Kolkata, Pune, Ahmedabad, Cochin).
Other Details

  • Get Personal Accident Cover up to Rs 8 lakhs and Critical Illness Cover of up to Rs 1 lakh.
  • The applicant can get a personalized product at special rates, offers and charges.
  • Get an option to get a flat processing fee of only Rs 1999 + applicable taxes
  • Loan Processing Fee for Salaried Individuals: Up to 2.50% of loan amount (minimum of Rs 1,999 and maximum of Rs 25,000)
  • No – prepayment either in full or part is permitted until repayment of 12 equated monthly instalments.
Hdfc Business Loan Up to 21.90% 2.50% of the loan amount Up to Rs 50 lac Up to 48 months
Details
Documents Required

  • Identity proof- PAN card, Aadhar Card, Voter id card, Driving license, Passport.
  • Bank statement of last 6 months.
  • Profit and loss account of the last 2 years.
  • Sales tax certificate, Trade license, ITR required as proof of continuation.
  • Recent passport size photograph.
  • Duly signed loan application form.
Benefits

  • Get quick disbursal feature.
  • Completely transparent in order to make your business loan more unique within a short period of time.
  • Incomparable pricing
  • No collateral, guarantor or security required.

Credit Protect Plan

  • Protect your loved ones by paying a minimal premium with credit protect feature.
  • In case of natural/accidental death of the individual, the nominee can avail the credit protect insurance.
  • The premium of credit protect will be deducted from the loan amount at the time of payment.
  • Credit protect plan protects your family by paying off the loan amount in case of death of the individual.
  • No need to take use of other saving options to repay the loan amount.
  • 2 benefits in one package- Loan+Insurance.
Eligibility

  • Self-employed individual, owner of a land or property and partnership firms involved in the business of manufacturing and trading.
  • The existing business must have a minimum turnover of Rs 40 lac.
  • Must have a minimum of 3 years to 5 years of business experience.
    The existing business must have a good profit in the previous 2 years.
  • The existing business must have a minimum income of Rs 1.5 lac per annum.
  • Must have a minimum age limit of 21 years at the time of applying loan to a maximum of 65 years at the time of maturity.
  • Resident type- Must be an Indian.
Other Details

What is a Business Loan?

This loan is taken by the individuals to meet their business finance requirements. An individual who wants to start his new business or want to expand his existing business is take help of business loan. The business loan procedure is quick and simple and no hidden cost is charged. Business loans always remain transparent to customers.

Business loan is of two types

Secured loan- In secured loan individuals give security like land, machinery, property etc. Secured loans have very less interest rates.

Unsecured loan- This a type of loan where individuals take a loan without any security. Unsecured loans have high-interest rates with a high risk to the individual and also to the bank.

Hdfc Business Loan

HDFC bank provides flexible loan options like short term loan, medium-term loan and long term loan to the individuals for their business expansion. Hdfc bank provides low-interest rates, minimum documentation and high eligibility for loan amounts. HDFC business loan is specially designed to meet each and every business needs of businessman, professionals, non-professionals and other individuals. Hdfc business loan is the most popular and best choice for most of the individuals for its unique features and fast processing. Get up to Rs 50 lac loan amount within 48 hours with a hassle-free process and doorstep service.

Features

  • In addition to loan HDFC business loan also provide special benefits like overdraft facility and flexible tenure options.
  • Get transcendent features like eligibility check-in 60 seconds which is as faster as a flash and also get credit protection plan.
  • Stay in touch with your business loan through 24*7 SMS, webchat, Click2talk and net banking facility.
  • Transfer your existing business loan to the Hdfc bank for lower and get amazing benefits like low interest of 15.75% and low processing fees of 0.99% on the existing loan transfer.
  • Get overdraft facility of Rs 5 lac to Rs 15 lac without any security.
  • Get 12-48 months of tenure in overdraft facility.
  • Get low-interest rate in overdraft facility.

Charges

  • Loan processing fees- Up to 2.50% of the loan amount to a subject of minimum Rs 2359 to a maximum of Rs 88500/-
  • Interest rate- 12.75% - 21.90%
  • Loan closure fee- NIL
  • Duplicate loan closure fee- NIL
  • Overdue EMI interest- 2% per month on EMI
  • Cheque swapping charges- Rs 500
  • Loan cancellation charges- NIL
  • Cheque bounce charges- Rs 550/-
  • No prepayment charges required until repayment of 6 EMIs.

Pre-Payment Charges

  • 4% of principal outstanding in case of pre-payment due period is 7-24 months.
  • 3% of principal outstanding in case of pre-payment due period is 25-36 months.
  • 2% of principal outstanding in case of pre-payment due period is more than 36 months.
Hdfc Education Loan for Indian Education Up to 14.13% Maximum 1% of the loan amount+applicable GST Rs 10 lac Up to 15 years
Details
Documents Required

  • Identity proof- PAN card, Aadhar Card, Voter id card, Signature proof
  • Residential proof- Utility bills, Aadhar card, PAN card
  • Educational proof required of SSC, HSC and graduation
  • Salary slip of last 2 months
  • Bank statement of last 6 months.
  • Sales tax certificate, Trade license, ITR required as proof of continuation.
  • Audited balance sheet of last 2 years.
  • Completed loan agreement to be signed by the student and co-applicant
  • Additional documents for further disbursements:-
  • Disbursement letter to be duly signed by the student.
  • Fee demand letter
  • Academic report and mark sheet of the student.
  • Receipt of previous disbursements/semester issued by the institute or college.
  • In case of repayment instructions- 3 security PDCs in case of ECS and SI mode of payment.
Benefits

  • Doorstep service provided by the bank.
  • Reasonable charges and pricing
  • Avail tax benefits under section 80[E]
  • Insurance cover in case of death
  • 2 benefits in one package- Loan+Insurance.
Eligibility

  • Resident type- Must be an Indian.
  • Student must have a minimum age of 16 years to a maximum of 35 years old.
  • Must have a valid educational proof.
Other Details

Hdfc education loan provides loan to the students who are willing to study higher across India. It provides a high loan amount with minimum documentation and fast disbursements. All Graduate, Post-Graduate, Engineering, Medical and Master degree students can avail this loan. Hdfc education loan is specially designed to meet each and every requirement of the students. Hdfc education loan is one of the most popular and best choice loan for Indian parents and students in order to achieve their dreams and goals. In addition, Hdfc education loan offers a distinctive feature of withdrawing loan amount from local Hdfc assets centres that make it possible to take an education loan just like taking out cash from an ATM. Every year most of the students take admissions in top universities of the country and get success ahead in their life due to Hdfc education loan.

Features

  • Students can get a maximum loan amount of Rs 10 lac to study across India.
  • Students can make their parents or guardians as a joint borrower.
  • No security required on the loan amount up to Rs 4 lac.
  • Tangible security required on the loan amount of above Rs 7.5 lac
  • Residential property or land, LIC, Hdfc bank fixed deposit, NSC or KYP policy are accepted as collateral securities.
  • When you avail Hdfc education loan for Indian education the Hdfc bank will provide insurance protection in order to secure your education loan in the form of Credit Protect from Hdfc Life.
  • Disburse your loan quickly with unique doorstep service and minimum documentation process.
  • Hdfc education loan for Indian education provides 100% transparency feature as there is no hidden cost charge in your loan amount.
  • You can also get tax benefits under section 80(E) of the Income Tax Act 1961 by sending an e-mail to the official Hdfcbank site and get your interest certificate.
  • Get maximum loan tenure of 10 years for the loan amount of Rs 7.50 lac
  • Get maximum loan tenure of 15 years if the loan amount is more than 7.50 lac.
  • Credit protect plan protects your family by paying off the loan amount in case of death of the individual.
  • Protect your loved ones by paying a minimal premium with credit protect feature.
  • No collateral, guarantor or security required.

Charges and Fees

  • Loan processing charges- Minimum Rs 1000 or maximum 1% of the loan amount.
  • Pre-payment charges- Up to 4% of the outstanding balance if the loan is foreclosed/part prepaid during the moratorium period. No prepayment will be charged if the loan is foreclosed after the expiry of moratorium period.
  • NOC- NIL
  • No dues certificate- NIL
  • Solvency certificate- NIL
  • Overdue charges- 24% per annum of the outstanding amount from the EMI due date.
  • Credit assessment charges-NIL
  • Non-standard repayment charges- NIL
  • Cheque swapping charges- Rs 500
  • Duplicate repayment charges- Rs 200
  • Loan rescheduling charges- Up to Rs 1000
  • EMI return charges- Rs 550
  • Loan cancellation charges- NIL
Hdfc Education Loan for Foreign Education Up to 14.5% 1.5% of the loan amount+applicable tax Up to Rs 20 lac Up to 12 years
Details
Documents Required

  • Institute admission letter for USA applicant I-20 Form and for UK applicant CAS letter
  • Academic certificates and mark sheets
  • Identity proof- PAN card, Aadhar Card, Voter id card, Signature proof
  • Residential proof- Utility bills, Aadhar card, PAN card
  • Signature verification
  • Salary slip of last 3 months
  • Bank statement of last 6 months.
  • Form-16 required along with 1 year income tax return.
  • Sales tax certificate, Trade license, ITR required as proof of continuation.
  • Audited balance sheets of last 2 years.
  • Recent passport size photograph.
  • Loan agreement form to be duly signed by the applicant and co-applicant.
  • In case of repayment instructions- 8 security PDCs in case of ECS and SI mode of payment.
  • Fee demand letter
  • Disbursement letter to be duly signed by the student.
Benefits

  • Besides quick and easy disbursals Hdfc education loan provides flexible terms and reasonable interest rates for top-ranked institutes.
  • Hdfc education loan for foreign education provides 100% transparency feature as there is no hidden cost charge in your loan amount.
  • Get quick disbursal feature.
  • Get attractive loan rates
  • Get attractive interest rates
Eligibility

  • Resident type- Must be an Indian.
  • Must have a minimum age of 16 years to a maximum of 35 years old
  • Students are eligible those who can offer collateral in some cases.
  • Students are eligible who can make their parents or guardians as a joint borrower.
Other Details

Students who are willing to grow their career in abroad Hdfc foreign education loan focus o those students and make them eligible to pursue the course of their choice and achieving a great future in abroad. This loan also provides no margin payment feature and no prepayment charges based on the institute/university and academic records of the student. Students who are willing to pursue their career in USA, UK, Netherland, Singapore, Canada and other locations can manage all their expenses under Hdfc education loan. Hdfc bank provides funds applicable for over 950 courses across 36 countries.

Features

  • Get up to 100% finance when you avail education loan for foreign education.
  • Get more than Rs 20 lac as education loan
  • EMI facility is available in order to repayment of loan.
  • Hdfc bank provides privileged rates for top-ranked universities and institutes.
  • Get flexible loan terms and reasonable interest rates.
  • Disburse your loan quickly with unique doorstep service and minimum documentation process.
  • Get in touch with your loan from anywhere you want Hdfc bank provides web billing and servicing feature to let you access the loan information 24*7.
  • One of the most popular and top-rated choice of Indian students Hdfc Credila provides quick services that offers finance for students over 950 courses in more than 4000 educational institutes across 36 countries in the world.
  • The Hdfc education loan amount reach your each and every part of your studies like tuition fees, books, travel, laptops, house rent and much more.
  • You can also get tax benefits under section 80(E) of the Income Tax Act 1961 by sending an e-mail to the official Hdfcbank site and get your interest certificate.
  • You can use the loan sanction letter as proof of funds and plan the finances of your education even before the admission date is confirmed.
  • Students can also build a good credit history by pursuing the loan amount themselves.

Charges

  • Loan processing fees- 1.5% of the loan amount
  • Pre-payment charges- NIL
  • NOC- NIL
  • No dues certificate- NIL
  • Overdue EMI interest- 2% of the installment per month.
  • Cheque bounce charges- Rs 400
  • Loan cancellation charges- 1% of the loan sanctioned amount
  • Charges for updating loan account- Rs 1500
Hdfc Gold Loan 11.75% onwards 1.5% of the loan amount+applicable tax Up to Rs 50000 Up to 24 months
Details
Documents Required

  • Valid passport
  • Valid driving license
  • Voter Id card
  • Salary slip of last 3 months
  • Bank statements of last 6 months.
  • Valid Aadhar card
  • Copy of utility bills
  • Valid PAN card or Form 60
Benefits

  • Disburse your loan quickly with unique doorstep service and minimum documentation process.
  • Get in touch with your loan from anywhere you want Hdfc bank provides web billing and servicing feature to let you access the loan information 24*7.
  • Besides quick and easy disbursals Hdfc gold loan provides flexible terms and reasonable interest rates.
  • Get quick disbursal feature.
  • Get attractive loan rates
  • Get attractive interest rates
  • Get loan tenure of 3 months to 24 months.
Eligibility

  • Must have a minimum age of 21 to a maximum of 70 years.
  • Resident type- Must be an Indian.
  • Both salaried and non-salaried are applicable
  • The gold must have a minimum weight of 10 grams and purity must be 18 carats to 22 carats.
  • Must have a good source of income.
Other Details

One loan more benefits. Hdfc gold loan helps you to take loan for different needs like weddings, education, business purposes and much more as per your requirement. Under this scheme applicant can avail gold loans for purchasing golds which includes gold coin, gold ornaments, gold jewellery and much more. This loan is for both salaried and non-salaried individuals including farmers and others. Hdfc bank gold loan scheme offers loan under Sampoorna Bharosa Gold Loan which optimize your investment in gold in quick and hassle-free way with low-interest rates and guaranteed security.

Features

  • Get a minimum loan amount of Rs 10000 to a maximum of Rs 50,000/-
  • Get instant funds against your gold and repay at your timeliness.
  • Get EMI option to repay the loan amount
  • Get overdraft facility against your loan amount.
  • Get reasonable interest rates on term loan.
  • Get rid from the safety of gold as Hdfc bank put your surrendered gold in a secured locker to keep it safe from being lost.
  • Get minimum documentation facility and take your loan amount in just 45 minutes.
  • No need to worry about hidden costs or extra charges as the loan rates and charges communicated up in the form of writing.

Charges

  • Loan processing charges- 1.5%+GST
  • Valuation charges- Minimum Rs 250 to a maximum of Rs 500
  • Foreclosure charges- 2% of the loan amount
  • Late payment charges- 2% per annum
  • Renewal charges- Rs 350+GST
  • Interest rates- 11.75% onwards

Features of Hdfc Personal Loan

  • Experience an easy and hassle-free repayment method
  • Get a low EMI option of Rs 2162/- per lac
  • Pre-approved Hdfc Bank applicants can get the loan under 10 seconds with less paperwork.
  • Other applicants can get the loan under 4 hours with less paperwork.
  • Get a loan on the same day after the documentation process is over.
  • The loan can be approved from both salaried and business entities.
  • Applicants can apply for Hdfc Personal loan as per their monthly wages and business standards.
  • No security or bond is required
  • Applicants can get special offers on personal loan balance if the fund is transferred from other banks.
  • Get a minimum loan amount of Rs 50,000/- to a maximum of Rs 40 lac.
  • Hdfc Personal loan is designed to meet your all requirements
  • The applicant will get benefit of special rates, low fees and offers if he/she already have a Hdfc Bank account.
  • Applicants who are applying loan for the first time in Hdfc Bank will get a plethora of benefits.
  • Enjoy the versatility of tenure that fit your need.
  • Existing Hdfc Bank applicants will get DIVA Offers on their personal loan.
  • Hdfc Bank customers can enable to make use of multiple offers within the validity limit of the offer.
  • Get a minimum tenure period of 12 months to a maximum of 5 years.
  • Get 24*7 helpline facility anytime via SMS, WebChat, Click2Talk and Hdfc Mobile Banking.

Insurance Cover

  • Applicant are enabled to avail a personal loan cover upto Rs 8 lac
  • The applicant can also get Critical Illness cover upto Rs 1 lac
  • Applicant is able to secure their personal loan with Suraksha Pro.
    Below are the key benefits of Suraksha Pro
  • Get credit shield cover relevant to the outstanding loan amount.
  • Applicant can get accidental hospitalization cover upto Rs 8 lac
  • Applicant are enabled to get accidental death/permanent disablement cover up to Rs 1 lac.
  • Note- Premium of these policies is deducted during the disbursement from the loan amount.
  • Applicable taxes and surcharges will be charged extra to the applicant.

Benefits of Personal Loan Balance Transfer

  • Get low EMI option on your personal loan during the transfer of your existing amount to Hdfc Bank.
  • Get a minimum loan interest rate of 10.75% on the existing loan transfer.
  • Get a low processing charge of Rs 1999/-

Hdfc Personal Loan Eligibility

  • Private company employees, State and Central Government Employees and Business entities are eligible for Hdfc Personal Loan.
  • Must have a minimum age of 21 to a maximum of 60 years old to apply for Hdfc Personal Loan.
  • Must have 2 years of job experience and 1-year experience as a current employee.
  • Must a minimum earning of Rs 15000/- for month
  • Applicants from Mumbai, Delhi, Bengaluru, Chennai, Hyderabad, Pune, Kolkata, Ahmedabad and Cochin must have a minimum income of Rs 20,000/- per month

Documents for Hdfc Personal Loan

  • Identity Proof- Aadhar Card, PAN Card, Driving License, Passport
  • Resident Proof- Utility Bills, Ration Card, Voter Id Card
  • Bank statements of the last 3 months
  • Salary slip of last 6 months or current dated salary certificate with the latest Form 16.

Hdfc Personal Loan Interest Rates

Get a minimum loan interest rate of 10.75% to a maximum of 21.30%

Hdfc Personal Loan Charges

  • Loan processing charges- Upto 2.50% of the loan amount with a minimum of Rs 2999 to a maximum of Rs 25,000 for salaried individuals
  • Pre-Payment in part or full- No pre-payment in part or full authorize until repayment of 12 EMIs. Pre-payment is allowed to a maximum of 25% of the principal outstanding. It is applicable once in a financial year and twice during the loan tenure period
  • Loan closure letter/ Duplicate Loan closure letter- NIL
  • Overdue EMI Interest- 2% per month on EMI
  • Floating charges- NIL
  • Charges from changing from floating to fixed rate of interest- NIL
  • Stamp duty charges- As per the applicable law of the applicant's state.
  • Credit assessment charges- NIL
  • Non-standard repayment charges- NIL
  • Cheque swapping fees- Rs 500
  • Amortization fees- Rs 200
  • Loan cancellation charges- NIL (But the borrower would be charged interest between the date of the loan disbursement and the cancellation. Processing fees will be retained)
  • Cheque Bounce Fees- Rs 550 per cheque bounce

Hdfc Personal Loan Apply

  • Go to the official site of Hdfc Bank
  • Under the drop-down box of Borrow click on Personal Loan
  • Now read about Hdfc Personal Loan and click on Apply Now.
  • Now you will be redirected to the new page where you will be required to provide your mobile number to start the process.
  • Mention your mobile number, accept the Terms and Conditions and click on Proceed (For new applicant's)
  • Existing Hdfc Customers can also apply for the Hdfc Personal Loan by their Netbanking Id and Password.
  • Now mention your First and Last name on the given box.
  • Now mention your Date of birth(DD/MM/YYYY) as per your documents.
  • Now provide your location where you currently live.
  • Choose your current resident type.
  • Now choose your employment type.
  • Now mention your income, existing monthly EMI's and tick on the box if your salary is credit credited to Hdfc Account.
  • Now click on Get Offer and you will see Congratulation Gateway where you can get to know the Eligible loan amount, Tenure, EMI and Interest Rates.
    Set the loan amount and tenure as per your choice and click on Apply Now.
  • Now enter your personal details like Email Id, Gender, Purpose of Loan and click on Continue
  • Now mention your communication address like Landmark, Address, State, City, Pin Code, Mobile Number, Office Address and click on Continue.
  • On the next page mention your PAN Number, ID Type and click on continue.
  • Now mention the reference details with name and contact number.
  • Now mention your customer category whether Farmer or Salaried.
    Now on the next page you to provide Additional Details which consists of Bank Name, Account Type, Account Number, Profession, Marital Status, Religion, Caste and Loan type.
  • Now select the address proof, upload the image of the same on the required box and click on upload.
  • Now select the Id Proof, upload the image of the same on the required box and click on upload.
  • Now select the Income proof, upload the image of the same on the required box and click on upload.
  • Now click on continue to complete the process.

Hdfc Personal Loan Status

Hdfc Personal Status is the most convenient feature for its applicants who are availed loan from Hdfc Bank. This feature is available for the applicants who have taken Personal Loans. Car Loans, Home Loans, Car-n-Cash Loans, Business Loans, Two Wheeler Loans, Loan against Property.

Hdfc Personal Loan Status can be track from below 4 procedures

  • Through Hdfc official portal
  • Through Hdfc Net Banking
  • Through Hdfc Mobile App
  • Through Offline

Through Hdfc Official Site

Below mentioned details are required to track Hdfc Personal Loan Status

  • Applicant's name
  • Reference Number or Proposal Number
  • Date of birth
  • Mobile Number

Procedure

  • Go to the Hdfc Loan Status Tracker site
  • Either enter the applicant's name as per Aadhar Card or Enter Reference Number or Proposal Number
  • Either enter your date of birth as per your identity proof or enter your valid mobile number.
  • Now click on submit to proceed
  • Now on the next page enter your mobile number, the verification code and click on submit.
  • On the next page, you can see the status of your loan.

Through Hdfc Net Banking

  • Go to Hdfc Netbanking site.
  • Now click on Retail Loan Customer
  • Now enter your Hdfc Netbanking Login Id and Password.
  • Now you can see the status of your loan such as Loan account number, Loan amount, Tenure, EMI, Status, Product.

Through Hdfc Mobile App

  • Go to Playstore or App Store(For Apple Users) and search for Loan Assist Hdfc Bank Loans.
  • Install it which take a maximum of 30 seconds to download
  • Open the app and enter your valid mobile number
  • Agree the terms and conditions
  • Now enter the OTP and click on submit to confirm your mobile number.
  • Now click on Track Your Loan
  • Now select Track Loans and Applications
  • Select your Loan type and add your loan agreement number on the required space
  • Now you will get to see your Loan summary and status

Through Offline

Applicants can also check their loan status by visiting nearest Hdfc Bank. Just you have to do is provide your Reference Number through which the bank representative will provide you the status of your loan.

Apart from this, you can also take help from 24x7 customer support. Just dial on the tollfree number 1800 258 3838 and provide your registered mobile number and reference number through which the customer care executive track your loan application and provide the status to you instantly.

Hdfc Personal Loan Calculator

Let us know what is Personal Loan EMI?

Equated Monthly Installments or the amount payable per month when an applicant take a certain amount for some period of time on a personal loan. EMI estimation relies on three main factors:

  • Personal Loan interest rate- The rate charged by the bank for personal loan.
  • Personal Loan amount- The rupee value of the loan
  • Tenure of personal loan- The time period for which the loan is taken.

Hdfc Personal Loan EMI Calculator is used to calculate the EMI you have been charged for the personal loan from Hdfc Bank. Use this versatile Hdfc Personal Loan EMI Calculator to get to the EMI that you're satisfied with. The calculator lets you schedule your borrowings and loan payments according to your needs.

Benefits of Hdfc Personal Loan EMI Calculator

  • You can use this calculator as a tracker of loan interest. The disparity between the loan total amount of EMI to be paid less the principal amount of the loan gives you the overall interest you pay on loan over the loan period.
  • You can also receive an estimation of your monthly instalments and assess the proper amount of loan you can make.
  • An EMI figure lets you determine your eligibility for a loan.
  • In order to obtain a convenient service, you may also draw up different combinations of loan tenures and loan amount as per your monthly income.

Hdfc Personal Loan EMI Calculation Formula

P*r* (1+r)^n/([(1+r)^n]-1)

Above given formula is for, how HDFC Bank Personal Loan EMI is calculated:

In the above formula,

P = Loan amount. This can range from Rs 50,000 to Rs 40 Lakh

r = Rate of interest per month. Current rate is 10.75%

n = tenure in month. For HDFC Bank, this can be a maximum of 5 years

How to use Hdfc Personal Loan EMI Calculator?

  • Go to the official site of Hdfc Bank.
  • Under the drop-down box of borrow, click on Personal Loan
  • Now on the next page click on Personal Loan EMI Calculator
  • For the loan amount that you want to make, use of the slider and set your personal loan amount.
  • For the tenure option use, the slider set the tenure period as per your needs
  • For the interest rate use the slider and set the interest rate as per your requirement
  • Now click on calculate. And you will see your monthly EMI per month with a graphical representation.

Hdfc Personal Loan Login

Through Hdfc Bank Net Banking services, Login with your Net Banking Id, Password and explore a world of convenience just with a few taps. Applicants can use unique benefits like high security for safe online banking, view the details for all your accounts, online password regeneration & unlock user-id instantly. Get all updates and offers on your personal loan which is specially designed for you. Access all the features and get minimum interest rates on your personal loan with flexible repayment option. No matter where you are just with your Hdfc NetBanking Id and Password you can explore the world of benefits and offers anytime anywhere. Scroll down and get to know the features and benefits of Hdfc Personal Loan Login and how to use it.

Features you will get after login for your Hdfc Personal Loan

  • Get 24x7 customer service
  • Get a comprehensive range of transactions
  • Get 100% online security while transacting via Hdfc NetBanking service.

Benefits you will get after Login for your Hdfc Personal Loan

  • Manage your account, transfer your funds, pay your loan bills, make investments and more.
  • Stay secure with Hdfc Bank Safe Access solution and get an enhanced security solution by Hdfc Bank.
  • You can check your bill payment history.
  • Make enquiry of your transaction status
  • Get notification about your next loan payment date.
  • Applicants can make a secure login with face and touch id through Hdfc Mobile App
  • Get all personalized alerts and reminders for all your transactions
  • Download PDF statement of your last 6 months spending history
  • Apply for a new loan instantly.

How to Login

For existing user

  • Go to the official site of Hdfc Bank
  • Click on Login, which is located on the top bar of the page and select Loan Account Login
  • Enter your User Id and Password
  • Click on Login and explore

For New User

  • Go to the official site of Hdfc Bank
  • Click on Login, which is located on the top bar of the page and select Loan Account Login
  • Under the New User section, click on Register here.
  • On the next page enter your Hdfc Net Banking Id.
  • Enter your loan account number
  • Enter your date of birth
  • Enter the amount of your last EMI
  • Create your New Password and Confirm it.
  • Review all your mentioned details and click on submit.
  • After that, an OTP will be delivered to your registered mobile number,
  • Click on continue, on the next page enter the OTP on the required box and click on continue.
  • On the next page, you can see your User Id.
  • Enter your User Id and Password
  • Click on Login and explore

Hdfc Personal Loan Customer Care

For Queries and Feedback Complaints

Indian Applicants now get in touch with Customer Care Executive just with a single number.

Ahmedabad- 07961606161

Bangalore- 08061606161

Chandigarh- 01726160616

Chennai- 04461606161

Cochin- 04846160616

Delhi and NCR- 01161606161

Hyderabad- 04061606161

Indore- 07316160616

Jaipur- 01416160616

Kolkata- 03361606161

Lucknow- 05226160616

Mumbai- 02261606161

Pune- 02061606161

NRI Phone Banking Numbers

USA- 855-999-6061

Canada- 855-999-6061

Singapore- 800-101-2850

Kenya- 0-800-721-740

Other Countries- 91-2267606161

Hdfc Tollfree Number

For any queries dial on 1800 258 3838 for Indian Applicants Only.

For Loan Services dial on 1800 267 1006 for Indian Applicants only.

Write to Hdfc Customer Care

Hdfc Bank Ltd

Empire Plaza 1, 1st Floor

LBS Marg, Chandan Nagar

Vikhroli West- Mumbai- 400 083

Grievance Redressal Officer

For Loan services- 1800 266 4060.

Or Write to:-
Ms. Punam Umesh Naik (Grievance Redressal Officer)

Grievance Redressal Cell, Hdfc Bank Ltd.

2nd Floor Zenith House, Mahalaxmi, Mumbai- 400034

FAQs

Q: What is the interest rate charged by HDFC bank for a personal loan?

A: HDFC bank will charge the interest rate in the following range starting from 10.75%-21.30% per annum on the outstanding amount of the bank.

Q: Who can avail a personal loan from HDFC bank?

A: HDFC bank provides personal loan only for salaried individuals. Applicant should be employed either with the government, private or public sector.

Q: What is the time period for a personal loan to secure approval in HDFC bank?

A: On submitting the loan application and the required documents as per the bank's criteria, one can expect approval and disbursal of the loan amount within four hours.

Q: What is the benefit of having a salary account with the HDFC bank to avail personal loan?

A: If your salary account is from HDFC Bank then you will get extra benefits while applying for a personal loan. HDFC bank offers attractive interest rates, processing fee, speedy process with minimal documentation for those who have a salary account with HDFC.

Q: What are the documents required to avail a personal loan from HDFC bank?

A: The following documents are required to avail the personal loan from HDFC bank:

  • Identity proof.
  • Address proof.
  • A bank statement form the last 6 months.
  • Salary payslip/current dated salary certificate with the latest Form-16.
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