HDFC Loan Status – Complete Guide to Check Application Progress

Key Takeaways

1. HDFC Bank offers secured and unsecured loans with flexible repayment, low interest rates, and simple online or offline tracking options.
    
2. Borrowers can check loan status easily through NetBanking, Mobile App, WhatsApp, customer care, or direct branch visits.
    
3. Submitting accurate KYC documents like PAN, Aadhaar, and address proof ensures a quick and hassle-free HDFC loan approval process.
    

Bonus Point: HDFC Bank has reduced its MCLR rates by up to 10 basis points on some loan periods, helping borrowers with lower interest costs. The new rates are effective from November 7, 2025.

HDFC Bank provides a variety of secured and unsecured loans designed for personal and business needs, ensuring financial flexibility for every borrower. Customers can apply for personal, home, vehicle, gold, and education loans with easy online tracking options.

HDFC loans combine convenience and reliability, allowing individuals to manage applications digitally or in person through multiple access points.

A loan, in simple terms, is like borrowing an umbrella on a rainy day; it supports you when needed, but must be returned responsibly with care. Similarly, an HDFC loan offers timely financial assistance, balanced with structured repayments.

For instance, I once applied for an HDFC personal loan for my home renovation and easily tracked the approval progress online using NetBanking, which saved both time and effort.

Types Of HDFC Loans

HDFC Bank provides a wide range of loan options designed to meet the financial needs of both individuals and businesses. These loans are offered under secured and unsecured categories, ensuring flexibility, convenience, and quick access to funds.

Types of Loans Offered by HDFC Bank

1. Personal Loans: HDFC Bank provides unsecured personal loans for weddings, travel, medical needs, and renovations, with quick approval for salaried and existing customers.

2. Home Loans: HDFC Bank offers home loans for buying, building, or transferring properties, including renovation, extension, plot, rural, and NRI loans.

3. Vehicle Loans: HDFC Bank offers car and two-wheeler loans, including EV and Super Bike options, with up to 100% vehicle funding.

4. Education Loans: These loans help students finance higher education in India or abroad, covering tuition fees, living costs, and other academic expenses.

5. Gold Loans: Gold Loans are secured loans offered against pledged gold jewellery, enabling customers to meet urgent financial needs with quick approval and minimal documentation.

HDFC Bank provides diverse loans with flexible repayment, low interest rates, and easy applications, ensuring financial convenience for all borrowers.

Methods To Check HDFC Loans

1. Via Net Banking

HDFC Bank makes it simple for customers to track their loan application status online through the NetBanking portal. This feature allows borrowers to monitor the progress of their loan anytime and anywhere with ease.

Steps to Check HDFC Loan Status via NetBanking

1. Log in to NetBanking: Visit the official HDFC Bank NetBanking portal and sign in using your User ID and password.
   
    
2. Find the Loan Section: From the main menu, navigate to the ‘Loans’ option.
   
    
3. Select Loan Status Tracking: Click on the ‘Track Your Application’ option.
   
    
4. Enter Application Details: Provide your loan application number, reference number, or other required details.
   
    
5. Submit to View Status: Click on the ‘Submit’ to see your current loan status displayed on the screen.

By following these simple steps, HDFC Bank customers can easily track their loan applications online, saving time and ensuring transparency throughout the approval process.

2. Via App

HDFC Bank allows customers to conveniently check their loan status using the HDFC Bank MobileBanking App or the dedicated HDFC Bank Home Loans App. This method provides instant access to loan details, repayment schedules, and other key information right from your smartphone.

Steps to Check HDFC Loan Status via Mobile App

1. Download or Open the App: Install the official HDFC Bank MobileBanking App from the iOS App Store or Google Play Store.
    
2. Log In: Use your User ID and IPIN (NetBanking password) or log in through a 4-digit PIN or biometrics if already set up.
    
3. Go to the Loans Section: On the main dashboard, tap on the ‘Loans’ option.
    
4. Select Your Loan Account: You will see a list of active loans, such as personal, home, or car loans. Choose the loan you wish to view.
    
5. View Loan Details: The app displays key details, including EMI status, repayment schedule, due dates, outstanding principal, and interest certificates, which can be generated or emailed directly.

By using the HDFC MobileBanking App, customers can track their loan details, payments, and schedules seamlessly, making loan management faster, easier, and more transparent.

3. Via WhatsApp

HDFC Bank’s WhatsApp Banking service offers a quick and convenient way to check basic loan details, such as EasyEMI information, using your smartphone.

Steps to Check HDFC Loan Status via WhatsApp Banking

1. Save the Number: Add HDFC Bank’s official WhatsApp number, 70700 22222, to your phone’s contact list.
    
2. Start a Chat: Open WhatsApp, search for HDFC Bank in your contacts, and send a message saying “Hi.”
    
3. Follow the Prompts: The chatbot will guide you through simple options to view your EasyEMI or loan status details.

With HDFC Bank’s WhatsApp Banking, customers can instantly access loan information anytime, making financial tracking fast, simple, and user-friendly.

3. Via Customer Care

HDFC Bank customers can easily check their loan status or get assistance by contacting the bank’s customer care team directly through a phone call.

How to Check HDFC Loan Status via Customer Care

Call the HDFC Bank toll-free numbers, 1800 202 6161 or 1860 267 6161, to connect with a representative. Provide your loan account number or application reference number for verification. The customer care executive will then share your loan details and current status.

By calling HDFC Bank’s customer care, borrowers can quickly receive accurate updates on their loan applications or active accounts without visiting a branch.

4. Via Branch

Customers who prefer in-person assistance can check their HDFC loan status by visiting the nearest HDFC Bank branch.

How to Check HDFC Loan Status by Visiting a Branch?

Visit your nearest HDFC Bank branch and approach the counter or loan department. Provide your loan application or reference number along with valid identification documents such as PAN or Aadhaar for verification. The bank official will help you access your loan details and current application status.

Visiting an HDFC Bank branch ensures personalised support and accurate updates on your loan status, especially for those who prefer face-to-face banking assistance.

Required Documents For HDFC Loans

To apply for an HDFC Bank loan, applicants must submit essential documents for verification. These documents help confirm identity, address, income, and overall eligibility for the chosen loan type.

Common Required Documents (KYC) for HDFC Loans

1. Loan Application Form: A duly filled loan application form along with a recent passport-size photograph.
    
2. Identity Proof (any one): Passport, Voter ID Card, Driving Licence, or Aadhaar Card.
    
3. Address Proof (any one): Passport, Voter ID Card, Driving Licence, Aadhaar Card, Electricity Bill, Telephone Bill, or a Registered Rent Agreement.
    
4. PAN Card: Mandatory for all applicants to verify financial history and taxation details.

Submitting accurate and valid KYC documents ensures a smooth verification process for HDFC loan approval, helping applicants avoid delays and receive funds faster.

Conclusion

HDFC Bank makes loan tracking and management simple for everyone. Customers can check their loan status online, through the app, WhatsApp, customer care, or by visiting a branch. With flexible repayment options, low interest rates, and easy documentation, HDFC Bank ensures a smooth and transparent borrowing experience, helping people meet their financial goals quickly and comfortably.

FAQs

How can I check my HDFC loan status online?
You can check it through HDFC Bank’s NetBanking portal using your User ID and password.

What is the Eligibility of the HDFC Loan?

HDFC loan eligibility depends on the type of loan, but most applicants must be Indian citizens aged 21 to 65. They should have a steady income, such as at least ₹25,000 per month for salaried personal loans, a good credit score (usually 720 or higher), and enough work experience

Why is the HDFC loan process so horrid?

Many people find HDFC's loan process difficult because it requires a high credit score, a steady job or income, extensive paperwork, and potential delays.

What is the processing time for an HDFC personal loan?

HDFC Bank makes personal loan processing quick and easy. If you are pre-approved, you can get funds in just 10 seconds. New applicants usually receive funds within 4 hours because the process uses minimal paperwork and digital steps.

What does an HDFC loan application accepted mean?

When your HDFC loan application is accepted, you typically receive a Sanction Letter. This letter confirms that your loan is approved in principle and lists the loan amount, interest rate, and tenure. The next step is to review, sign, and return the letter to confirm you accept the terms before the loan is disbursed. For pre-approved offers, acceptance may mean the funds are transferred to you right away.

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About the Author

LoansJagat Team

‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.