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HDFC BANK

The Housing Development Finance Corporation Limited (HDFC) was amongst the first to receive an 'in principle' approval from the Reserve Bank of India (RBI) to set up a bank in the private sector, as part of RBI's liberalisation of the Indian Banking Industry in 1994. The bank was incorporated in August 1994 in the name of 'HDFC Bank Limited', with its registered office in Mumbai, India. HDFC Bank commenced operations as a Scheduled Commercial Bank in January 1995.

Our single-minded focus on product quality and service excellence has helped us garner the appreciation of both national and international organizations.

Personal Loan

The key features of personal loans include customisation of personal loans, and special interest rates on personal loans for existing HDFC Bank customers. You can also transfer your existing personal loan to HDFC Bank.

Interest Rates
Interest rate Salaried - 10.75% to 20%
Processing Charges Up to 2.50% of the loan amount subject to a min of ₹ 1,000/- & Max of ₹ 25,000/- for Salaried Customers.
Prepayment Salaried - No pre-payment permitted until repayment of 12 EMIs
Pre-payment charges 13-24 Months - 4% of Principal Outstanding,
Charges for late payment of EMI 24% per annum on amount outstanding.

Eligibility Criteria

The following people are eligible to apply for a Personal Loan:
- Individuals who have had a job for at least 2 years, with a minimum of 1 year with the current employer.
- Individuals between 21 and 60 years of age. Apply now

Home Loan

HDFC Bank offers among the most feature-packed home loans in India. Besides free document storage, get approvals on your home loan even before you choose a property.

Interest Rates
Interest Rate 8.5%
Charges for late payment of EMI 2% per month
Cheque swapping charges ₹ 500/-*
Bounce Cheque Charges ₹ 500/-*
Switch from Variable to Fixed Not Applicable
Switch from Fixed to Variable Not Applicable
Foreclosure Charges No prepayments allowed in first 6 months

Get Lowest Rates on HDFC Home Loan.

Car loan

Apply for Car Loans at HDFC Bank to get up to 100% financing for your car. Enjoy 30-minute approvals when you apply for car loans, and receive funds quickly.

Interest Rates
Rack Interest Rate Range 11.50% to 13.75% depending on the segment of vehicle
Late Payment Penalty 2% per month
Processing Fees 0.4% of Loan Amount or ₹ 10000, whichever is lower
Cheque/ ECS swapping charges ₹ 500/- Instance
Duplicate no due certificate / NOC ₹ 500/- Instance
Documentation Charges ₹ 600 per case
Collateral Charges ₹ 450 per case

Eligibility Criteria

The following people are eligible to apply for a New Car Loan:
- Individuals who have a telephone/post-paid mobile
- Those who have been in business for a minimum of 2 years
- Should earn at least Rs. 2,50,000 per annum Apply now


Our HDFC Bank Pre-Owned Car Loans provide you with up to 100% of the finances you need, while providing you with doorstep service, quick processing, and a completely transparent application process.

Interest Rates
Rack Interest Rate Range 11.50% to 17.50% depending on the segment and age of vehicle
Late Payment Penalty 2% per month
Processing fees 2% of loan amount or ₹ 5,000/-, whichever is lower
Cheque/ECS swapping charges ₹ 500/- per instance
Duplicate No Due Certificate/NOC ₹ 500/- per instance
Part-payment charges Part-payment is allowed subject to completion of 12 months
Foreclosure charges No foreclosure allowed within 6 months from date of availing the loan

Eligibility Criteria

The following people are eligible to apply for a Pre-Owned Car Loan:
- Those who have been in business for a minimum of 3 years
- Those who have a minimum turnover of Rs. 4,50,000 per annum Apply now


Avail of our top-up Loan Against Car loan when you maintain a clear payment record for a minimum of 9 months, and manage all your finances with ease.

Interest Rates
Rack Interest Rate Range 14.00% to 16.00 % depending on the segment and age of vehicle
Late Payment Penalty 2% per month
Processing fees 2% of loan amount or ₹ 5,000/-, whichever is lower
Cheque/ECS swapping charges ₹ 500/- per instance
Duplicate No Due Certificate/NOC ₹ 500/- per instance
Part-payment charges Part-payment is allowed subject to completion of 12 months
Foreclosure charges No foreclosure allowed within 6 months from date of availing the loan

Eligibility Criteria

The following people are eligible to apply for a Loan Against Car:
- Those who earn a minimum of Rs. 2,50,000 per year, including the income of the spouse
- Individuals who have had a job for at least 2 years, with a minimum of 1 year with the current employer Apply now

Business Loan

We offer among the best business loans in India, with complete transparency and competitive interest rates. Also, our business loans do not require any security.

Interest Rates
Rack Interest Rate Range 15.50% to 18.30%
Charges for late payment of EMI 24 % p.a on amount outstanding from date of default
Loan Processing Charges Upto 2.5% of the loan amount.
Cheque Swapping Charges ₹ 500/-*
Cheque Bounce Charges ₹ 550/- per cheque bounce
Amortization Schedule charges ₹ 200/-
Prepayment No pre-payment permitted until repayment of 6 EMIs

Eligibility Criteria

The following people are eligible to apply for a Business Loan:
- The business should have a minimum turnover of Rs. 40 lakhs
- Individuals who have been in the current business for a minimum of 3 years, with 5 years total business experience. Apply now

Simple Loan Process

Turning Money Problem Into Solutions
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Choose Loan Amount

Choose your loan amount and terms to use loan

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Provide Document

Need to provide some basic document to verification

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Approved Loan

Our loan specialist ask fews question and verify docuements.

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Get your Money

Once loan aprroved you get loan amount credit.