HDFC Bank Personal Loan – Quick Approval & Low Interest Rates

Get Personal Loan

 

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Customers Served icon

10 Lacs+

Customers Served

Google Reviews icon

4.7/5

Google Reviews

Pincodes Serving icon

10,000+

Pincodes Serving

Loans Disbursed icon

2000 Cr+

Loans Disbursed

HDFC Bank offers unsecured personal loans to meet various personal financial needs such as travel, weddings, medical emergencies, education, and more. These loans are available with flexible repayment tenures, competitive interest rates, and quick disbursal, often with minimal documentation for eligible customers.

HDFC Bank Personal Loan Features & Benefits

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Flexible Usage

Fund a variety of personal requirements.

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Competitive Interest Rates

Starting from ~9.99% p.a.*

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Unsecured Loan

No collateral required.

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Quick Approval & Disbursal

Faster processing for eligible applicants.

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Digital Process

Online application and approval available.

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Insurance Covers Available

Optional critical illness and accident cover

HDFC Bank Personal Loan Highlights

Interest RateStarting from 9.99% p.a.
Loan AmountUp to ₹40 lakh
TenureUp to 60 months (5 years)
CollateralNone
Processing FeeUp to ₹6,500 + GST
Prepayment ChargesApplicable as per bank policy
DocumentationMinimal for eligible customers; sometimes zero for pre-approved loans

Required Documents for HDFC Bank Personal Loan

Identity Proof

Identity Proof

  • CheckAadhaar Card
  • CheckPAN Card
  • CheckPassport
  • CheckDriving Licence
Address Proof

Address Proof

  • CheckUtility bills
  • CheckVoter ID
  • CheckPassport
  • CheckAadhaar
Income Proof

Income Proof

  • CheckLatest salary slips (typically 2–3 months)
  • CheckBank statements / Form 16

Types of HDFC Bank Personal Loan

Standard Personal Loan

For general personal needs.

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Pre-Approved Personal Loan

Instant offers for existing HDFC Bank customers.

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Sometimes includes tailored options

subject to eligibility and bank conditions.

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Personal Loan EMI Calculator

One Lakh

Min ₹100000Max ₹99 L
%
Min 9.99%Max 30%
Min 1 yearMax 7 years
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Principal Amount1,00,000
Total Interest10,737
Total Amount1,10,737
Monthly EMI4,614
Principal Amount
Interest amount

Tips to Improve Personal Loan Approval Chances in HDFC Bank Personal Loan

Maintain a Good Credit Score

Maintain a Good Credit Score

Your credit score plays a crucial role in personal loan approval. A score of 700+ is generally considered good.

Ensure Stable Income and Employment

Ensure Stable Income and Employment

Lenders prefer applicants with stable employment and a consistent income source.

Apply for a Suitable Loan Amount

Apply for a Suitable Loan Amount

Always apply for a loan amount that aligns with your repayment capacity and financial goals.

Keep All Required Documents Ready

Keep All Required Documents Ready

Incomplete documentation is one of the most common reasons for personal loan delays or rejection.

Clear Existing Debts

Clear Existing Debts

Try to stay clear of all the outstanding debt. If you repay your loans timely, then banks will prefer to lend more loans to you.

Apply Through a Trusted Loan Platform

Apply Through a Trusted Loan Platform

Instead of applying directly to multiple banks, apply through a reliable loan marketplace like LoansJagat.

How to Apply for Personal Loan in HDFC Bank Personal Loan

01
Apply Online

Apply Online

Click Apply Now and start your loan journey in minutes.

02
Share Basic Details

Share Basic Details

Enter your name, contact, and work information to proceed.

03
Verify Eligibility

Verify Eligibility

Get instant loan offers based on your profile and credit score.

04
Upload Documents

Upload Documents

Submit your PAN, Aadhaar, KYC, and income proof securely online.

05
Compare & Choose

Compare & Choose

Pick the best offer from multiple banks and NBFCs.

06
Get Instant Approval

Get Instant Approval

Receive quick approval and funds directly in your bank account.