HDFC Bank Personal Loan
HDFC Bank offers personal loans starting at an attractive interest rate of 10.25% per annum with flexible tenures of up to 6 years, providing borrowers the financial freedom to manage repayments comfortably. Customers can avail loan amounts of up to Rs 40 lakh, making it an ideal solution for various financial needs, whether it’s for home renovations, wedding expenses, or emergency funds. With multiple tenure options, HDFC Bank allows you to customize your repayment plan according to your personal preferences and financial situation, ensuring a hassle-free borrowing experience.
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Required documents to Apply for HDFC BANK PERSONAL LOAN
- KYC of Applicant (Adhar Card+Pan Card+Passport Size Photo)
- Last 3 month Salary Slip
- Last 6 month Bank Statement in PDF
- Form 16 of last 2 year
- Rent Agreement if rented or Utility Bill if residence is owned
- Sanction Letter of all current running loan if any
- Office ID Card or Official EMAIL ID if any
Customer Care Details
HDFC Bank customers can call the following toll free number to get all queries answered or resolve all grievances:
Contact No. :- 1800 202 6161
Email :- salesqueriescards@hdfcbank.com
Check More Details to Contact HDFC
About HDFC BANK Personal Loan
HDFC Bank is widely known for its excellent customer service and competitive interest rates, making it a top choice for personal loans. With HDFC, you don’t need to worry about high EMIs, as the bank offers affordable repayment options that make managing your finances easier. The attractive interest rates help you save more over the loan tenure, and the simplified application process ensures that getting a personal loan is hassle-free. Whether you’re dealing with unexpected expenses or planning a big event, HDFC Personal Loans provide a flexible and convenient solution for all your financial needs.
Let us take an example, How EMI is being calculated
For instance, if “Rohan” applies for a personal loan of INR 1.5 Lacs and gets the loan sanctioned at a rate of 14% with a tenure of 36 months, his EMI would be INR 5,000. The total repayment amount over the 36-month period would be INR 1,80,000 (i.e., 5,000 EMI * 36 months), where the total interest amount is INR 30,000 and the principal repayment is INR 1,50,000. Additionally, a one-time processing fee of 2% of the disbursed amount + GST of the loan amount may apply. T&C apply.
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FAQ
HDFC Bank provides flexible EMI options based on your loan amount, tenure, and repayment capacity, making it easier to fit your personal loan into your monthly budget.
While the tenure is selected at the time of application, HDFC allows you to renegotiate your loan terms or make prepayments to reduce your tenure during the loan period.
Yes, HDFC Bank offers exclusive interest rates and pre-approved loan offers for salaried employees, making it easier to get fast approvals and better terms.
HDFC provides a convenient online tracking system through its website and mobile app, allowing you to monitor your loan application status in real-time.
HDFC offers 24/7 customer support through phone, email, and its mobile app, providing assistance with EMI payments, statements, and loan queries.
Yes, HDFC Bank allows borrowers to change their EMI dates based on their financial needs and cash flow, subject to certain terms and conditions.
Existing HDFC Bank account holders can enjoy pre-approved loan offers, faster processing, and sometimes lower interest rates due to their banking relationship.
Yes, HDFC Bank allows you to add a co-borrower, such as a spouse, to improve your eligibility and increase the loan amount based on combined income.
For eligible customers, HDFC Bank offers loan disbursals within 24 hours of approval, ensuring quick access to funds for urgent financial needs.
Yes, HDFC Bank offers top-up loan facilities for existing customers, allowing you to borrow additional funds without needing to apply for a new loan.
