HDFC Personal Loan Details

HDFC Bank offers personal loans, instant loan to pre-approved applicants without any documentation @ 10.25% p.a. onwards for a loan amount of up to Rs 40 lakh for tenures of up to 5 years

HDFC Bank Personal Loan Interest Rate

HDFC Bank offer interest rates from 10.25% – 21.00% depend upon the loan amount.

Eligibility Criteria for HDFC Bank Personal Loan

– Private sector employees, public sector employees, and employees of central, state and local bodie – Age: 21-60 year – Applicants with at least 2 years of work experience, and 1 year with the current employer – Minimum net monthly income: Rs 25,000

Documents Required for HDFC Bank Personal Loan

ID Proof (Aadhaar card/driving license/voter ID/passport

– Address Proof (Aadhaar card/driving license/voter ID/passport)

– Latest salary slips/latest salary certificate with Form 16

– Bank statement for past 3 months (updated passbook for last 6 months)

HDFC Bank Personal Loan Fees and Charges

1. Processing Fee - Up to 2.5% of loan subject to a maximum of Rs 25,000 for salaried customers

HDFC Bank Personal Loan Fees and Charges

2. Stamp Duty and other statutory charges As per the laws of the state

HDFC Bank Personal Loan Fees and Charges

3. 2% per month on EMI/principal overdue

HDFC Bank Personal Loan Fees and Charges

4. Amortization Schedule ChargesRs 200

5. Cheque Swapping ChargesRs 500

HDFC Bank Cheque Bounce Charges

5. Amortization Sc1st return at Rs 450 + taxes 2nd in a month Rs 500 + taxes 3rd onwards Rs 550 + taxe 10% discount for senior citizen Rs 550 per cheque bouncehedule ChargesRs 200

Loan Cancellation Charge Rebooking Charge

NIL to Rs 1000

Pre-payment in Part Full

NIL until repayment of 12 EMIs (salaried)

Up to 2% of principal outstanding

Pre-payment in Part Full

NIL until repayment of 12 EMIs (salaried)

Up to 2% of principal outstanding

Types of HDFC Bank Personal Loan

Personal Loan for Salaried, Personal Loan for Government Employees, Covid Personal Loan, Marriage Loan, Emergency Loan, Debt Consolidation Loan, Personal Loan for Home Renovation, Personal Loan for Students

Types of HDFC Bank Personal Loan

Personal Loan for Salaried, Personal Loan for Government Employees, Covid Personal Loan, Marriage Loan, Emergency Loan, Debt Consolidation Loan, Personal Loan for Home Renovation, Personal Loan for Students