5.5K+
Personal Loan
HDFC Bank is one of India’s largest private sector banks, trusted for transparent pricing and digital lending. Head Office: Mumbai, Maharashtra. Known for fast disbursal, strong customer service, and nationwide presence.
Availing Loan
NEVER BEEN SO EASY
Research & Explore
An online quote is an estimate of the cost of a product or service provided
Comparison Tools
Picking a product refers to the process of selecting a specific from a range
Reviews & Feedback
Product packaging refers to the materials and design used to protect
Secure Your Loan
Product transport refers to the process of moving products from one location
HDFC Bank Personal Loan is an unsecured loan that gives instant financial freedom for any personal requirement—no security, no end-use restriction, and fast digital approval with predictable EMIs.
A higher credit score + salary account with HDFC can unlock lower interest rates instantly.
📊 HDFC Bank Personal Loan – Types & Key Features
Explore all types of HDFC Bank Personal Loans with interest rates, tenure, and charges.
| Personal Loan Type | Interest Rate* | Loan Amount | Maximum Tenure | Processing Fee* |
|---|---|---|---|---|
| Salaried Personal Loan | 10.75% – 24% p.a. | ₹50,000 – ₹40 Lakhs | Up to 60 months | Up to 2.5% + GST |
| Self-Employed Personal Loan | 11.50% – 24% p.a. | ₹1 Lakh – ₹20 Lakhs | Up to 48 months | Up to 2.5% + GST |
| Pre-Approved Personal Loan | Starting 10.75% p.a. | As per offer | Up to 60 months | Nil / Minimal |
| Personal Loan for Professionals | Customized rates | Higher limits | Flexible | Preferential |
*Rates & fees may vary based on profile.
🟡 PoketCare Pro Tip: Pre-approved offers come with zero documentation & same-day disbursal.
🛡️ Personal Loan Insurance Recommendation
Meta Description: Protect your family from EMI burden with the right loan insurance.
PoketCare strongly recommends HDFC Life Group Credit Protect or ICICI Prudential Credit Guard to secure your EMIs in case of death, disability, or job loss—ensuring peace of mind throughout the loan tenure.
🟡 PoketCare Pro Tip: Loan insurance often adds just 1–2% to EMI but saves lakhs during emergencies.
🎯 Purpose of HDFC Bank Personal Loan & Ideal Borrowers
Know the best uses of personal loan and who should apply.
Common Uses
- 💍 Wedding expenses
- 🏥 Medical emergencies
- ✈️ Travel & holidays
- 🏠 Home renovation
- 💳 Credit card bill consolidation
- 🎓 Education & skill courses
Ideal Borrowers
- Applicant: Salaried employees, self-employed professionals, business owners
- Co-Applicant: Spouse or earning family member to boost eligibility
🟡 PoketCare Pro Tip: Adding a co-applicant can increase loan eligibility by 20–30%.
✅ Eligibility Criteria – HDFC Bank Personal Loan
Check minimum income, age, and eligibility rules before applying.
Basic Eligibility
- Age: 21–60 years
- Minimum Monthly Income:
- Salaried: ₹25,000+
- Self-Employed: ₹2.5 Lakhs annual ITR
- Employment Stability:
- Salaried: Minimum 2 years total experience
- Self-Employed: Minimum 3 years in business
Additional Income Considered
- Rental income
- Incentives & bonuses
- Spouse income (with co-application)
🟡 PoketCare Pro Tip: Declaring all valid income sources improves approval chances significantly.
📑 Documents Required – Simple Checklist
Documents needed for HDFC Bank Personal Loan application.
Salaried Applicants
- Aadhaar Card / PAN Card
- Last 3 months salary slips
- Last 6 months bank statement
- Employment ID / offer letter
Self-Employed Applicants
- Aadhaar Card / PAN Card
- Last 2 years ITR
- Business proof
- Last 6 months bank statement
🟡 PoketCare Pro Tip: Clean bank statements with regular credits speed up approval.
💸 All Charges – Pre & Post Disbursement
Transparent list of all HDFC Bank Personal Loan charges.
| Charge Type | Applicable Amount |
|---|---|
| Processing Fee | Up to 2.5% + GST |
| Prepayment Charges | 2% – 4% (after lock-in) |
| Foreclosure Charges | As per bank policy |
| EMI Bounce Charges | ₹500 – ₹600 + GST |
| Late Payment Fee | As applicable |
| Loan Cancellation | Processing fee non-refundable |
🟡 PoketCare Pro Tip: Choose lower tenure + part-prepayments to reduce total interest paid.
🌟 Benefits of HDFC Bank Personal Loan via PoketCare
Why applying through PoketCare makes a difference.
- ⚡ Fast Digital Approval – Minimal paperwork
- 💰 Competitive Interest Rates – Profile-based offers
- 🧠 AI Eligibility Match – Higher approval chances
- 🧾 Transparent Charges – No hidden surprises
- 🤝 Free Lifetime Support – Human + AI assistance
🟡 PoketCare Pro Tip: PoketCare compares multiple HDFC offers internally to get you the best deal.
🔗 Useful Links for Personal Loan Borrowers
- Apply Online: https://www.poketcare.com/personal-loan
- EMI Calculator: https://www.poketcare.com/emi-calculator
- Check CIBIL Score Free: https://www.poketcare.com/cibil-score
- Balance Transfer Options: https://www.poketcare.com/personal-loan-balance-transfer
🏁 Conclusion
HDFC Bank Personal Loan is ideal for those seeking quick, unsecured funds with trusted banking support. Apply through PoketCare to enjoy smarter eligibility checks, better offers, and complete transparency—making borrowing stress-free and confident.
🟡 Final PoketCare Pro Tip: Never accept the first offer—compare, negotiate, and apply smartly via PoketCare.