HDFC Bank Personal Loan 2024 : Apply online:
HDFC Bank Personal Loan : Need money fast? HDFC Bank has got you covered with their online personal loan option. If you are already a customer of the bank, the process of getting a loan is easier. You can get a loan of up to Rs 50,000 in just 10 seconds without leaving your home. All you need to do is apply online for a loan from the comfort of your own living room.HDFC Bank Personal Loan 2024 :
| HDFC Bank Personal Loan Highlights | |
| Interest Rate | 10.85% p.a. onwards |
| Loan Amount | Up to Rs 40 lakh |
| Tenure | Up to 6 years |
| Minimum Monthly Salary | Rs 25,000 |
| Processing Fee | Up to Rs 6,500 |
| Pre-approved instant personal loan | Offered to select customers of HDFC Bank with loan disbursal in 10 seconds |
| Pre-closure Charges | For salaried:4% of principal outstanding (13-24 months)3% of principal outstanding (25-36 months)2% of principal outstanding (After 36 months) |
| Part-payment Fees | For salaried:4% of principal outstanding (13-24 months)3% of principal outstanding (25-36 months)2% of principal outstanding (After 36 months) |
| Documentation | Proof of IdentityProof of AddressBank statements (last 3 months)Salary slips (latest) |
HDFC Bank Personal Loan 2024 Interest Rate :
HDFC personal loan interest rates start from 10.85% p.a. onwards. The final interest rates offered to the loan applicant would vary according to the credit score, monthly income, job profile, employer’s profile, etc. of the loan applicant.HDFC Bank Personal Loan 2024 :
HDFC Bank Personal Loan 2024 Processing Fees and Charges:
| Fees | Charges |
| Processing Charges | Up to Rs 6,500 |
| Stamp Duty and other statutory charges | As per the laws of the state |
| Overdue EMI Interest | 2% per month on EMI/principal overdue |
| Legal/Incidental Charges | At actuals |
| Amortization Schedule Charges | Rs 200 |
| Cheque Swapping Charges | Rs 500 |
| Cheque Bounce Charges | 1st return at Rs 450 + taxes2nd in a month Rs 500 + taxes3rd onwards Rs 550 + taxes10% discount for senior citizensRs 550 per cheque bounce |
| Loan Cancellation Charges Rebooking Charges | NIL Rs 1000 |
| Pre-payment in Part/Full | Part-payment allowed up to 25% of Principal Outstanding. It is allowed once in the financial year and twice during the loan tenure. |
| Pre-payment Charges on Principal Outstanding/Part Payment Charges | Salaried:13-24 months- 4% of outstanding principal25-36 months- 3% of outstanding principal>36 months- 2% of outstanding principal |
HDFC Bank Personal Loan2024 EMI Calculator:
HDFC Bank personal loan EMI calculator can be used to calculate the EMIs and total interest cost payable throughout the loan tenure. The applicants need to enter the loan amount, interest rate and loan tenure in the personal loan EMI calculator and get instant results.HDFC Bank Personal Loan 2024 :
Eligibility for HDFC Personal Loan 2024 :
- Be between 21 to 60 years of age
- Be working in a company or government office
- Have a minimum monthly salary of ₹25,000
- Working continuously for last 2 years with 1 year in present companyHDFC Bank Personal Loan 2024 :
Important Document :
- Proof of Identity: Aadhaar Card, Voter Identity Card, Passport or Driving License
- Proof of Residence: House Certificate
- Bank statements of last 3 to 6 months
- Salary slip from last 2 consecutive months and Form 16
Method of taking :
- Go to the official website of HDFC Bank.
- Click on the “Borrow” link.
- Select the “Paperless Loan” option.
- Fill the online form by giving your registered mobile number and date of birth.
- An OTP will be sent to your mobile, which you will enter on the website.
- Select your loan type and amount. Provide required document information.
- Submit the form.HDFC Bank Personal Loan 2024 :
- Your documents will be verified by the system, and if approved, you will receive a loan of up to ₹50,000 within 10 seconds.HDFC Bank Personal Loan 2024 :
Key points related to HDFC Personal Loan :
HDFC Personal Loan can be availed within 10 seconds if you are a customer of the bank, otherwise it may take up to 4 days for the loan to be approved after verifying your details. The interest rate for the loan can be up to 11% and a processing fee of ₹4999 will be required.HDFC Bank Personal Loan 2024 :
Important Links
| Apply For Loan | Click here |
| Home Page | Click here |