Getting a personal loan is quicker now with HDFC Salariedloans.

HDFC Personal Loan Online

HDFC Bank Personal Loan

HDFC Bank is one of the largest leading banks in India offering best interest rates on personal loans with minimal documents and speedy approvals. One can avail the loan upto 50 lakh with the repayment tenure of up to 60 months. Be it a trip to your dream destination, renovating your home with modern furnitures, Wedding planning, debt consolidation, or dealing with medical emergencies, HDFC personal loan provides easy and quick access to funds with interest rate starting as less as 10.5%* p.a.
For Example; if you take a loan of 10 lakhs at the rate of 10.99% for 5 years, your monthy EMI would be Rs. 21,737. There would be one time applicable charges of processing starting from 2,999 flat up to 2.5%. HDFC personal loan comes with 2 part payment facilities of 25% each with preclosure after the lock period of 12 EMI's. Note : depending upon the Profile, rate of interest and applicable charges may vary .HDFC Bank is known for lending Personal Loans at best competitive interest rates, flexible tenures, affordable EMI's and fast disbursals.

Get Best Personal Loan Interest Rate Offer

Key Features of HDFC Personal Loan

HDFC bank has attractive and beneficial features on its Personal Loan, below are some list of features:

  • Competitive Interest rate: Affordable and Flexible Interest Rates. The interest rate starts from 10.75% and goes up to 21% depending on the credit score of applicants.
  • Special Offers for HDFC Bank Customers: If your Salary account in HDFC Bank, you are eligible for special offers and interest rates. The bank has several attractive offers exclusively for its own customers.
  • Easy and Fast Personal loan: You can get a quick personal loan through a fast processing system. You can visit our website to check your eligibility and complete the documentation and other formalities. It is an easy and quick process.
  • Insurance Cover: You get an insurance cover along with your personal finance scheme by paying a nominal premium on opting it prior to disbursement.
  • Save on Money Personal Loan Balance Transfer: If you already have a personal loan, you can transfer it to your HDFC bank account to get a lower interest rate of 10.75% and flat Processing fess starting at 999/-.

HDFC Personal loan Interest Rates 2019
Interest rate Salaried - 10.75% to 20%
Processing Charges As low as ₹999/- upto 2.50% of the loan amount subject to profile.
Prepayment 2 Pre-payment allowed of 25% each after 12 EMI's.
Pre-payment charges 13-24 Months - 4% of Principal Outstanding,
25-36 Months - 3% is applicable on payments,
36-60 Months - 2% is applicable post 36 months.

Factors on HDFC Personal Loan Interest Rates

Get Rate of Interest quote and Eligibility based on your Salary and Company

The interest rate will vary and set by HDFC Bank based on a number of many factors such as the Income, Company, Loan amount, Job type, gender, credit score and tenure chosen, etc. Yes, one can negotiate for a favorable interest rate but at the discretion of the bank.

  • Fixed interest rate: is when a fixed rate is set on the personal loan and you have to pay a fixed amount of interest throughout the tenure.

  • Processing Fees: The processing fee charged by HDFC personal loans is up to 2.5% of the loan amount subject to a minimum of ₹1,999 and maximum of ₹25,000.

Calculate your Personal Loan EMI

Calculate your HDFC Personal Loan EMI & Total Payable Interest Amount

HDFC personal loan EMI calculator allows you to calculate approximately how much you will have to pay as the Equated Monthly Instalment (EMI).

Required Loan Amount


Loan Tenure (In Months)

Interest Rate Offered


Sample Calculation:

Loan amount Rs.1,00,000; ROI of 10.75% ; Tenure 60 Months for 5 Years

Loan EMI


Total Interest Payable


Total Payment
(Principal + Interest)


The value shown are for representation purpose. Actual value might differ on eligibility criteria.

HDFC Personal Loan Eligibility Criteria

The following people are eligible to apply for a HDFC Bank Personal Loan:
- Individuals who have had a job for at least 6 Months, with a minimum of 1 pay check with the current employer.
- Individuals between 21 and 60 years of age.
- For HDFC Bank Personal Loan, minimum salary should be 20,000/-pm.

Documents Required for HDFC Personal Loan

HDFC Bank requires a set of documents for authentication purposes for your personal loan:

  • Loan Application: Fill it up online within two minutes. Click Here to Fill
  • Identity Proof: Voter Id Card/Passport/Driving License/Aadhar Card
  • Address Proof: Aadhar Card/ Passport/ Telephone bill/ Rental Agreement (Only Bangalore) with Electricity bill/ Bank Statement.
  • Bank statement: Bank statement of last 3 months or bank passbook of 6 months.
  • Salary Slip: Salary slip of the last 3 months with Form 16.
HDFC Personal Loan Documentation

Check Interest Rate and Loan Eligibility on Your Profile

Fill in the details to get an estimate of your Interest Rate and Loan Eligibility

Quick loan Process

Quick Loan

Customer Satisfaction


No Hidden Charges

No Prepayment or
Hidden Fees

Best After Sales Support

Best After Sales Service