Personal Loan

You can enjoy interest rates starting from 9.99% p.a.*, avail a loan amount of up to ₹1 crore and choose a flexible repayment tenure of up to 72 months (festive offer valid till 30th November 2026).
Plus, get zero processing fees on Balance Transfer (valid till 31st October 2026).

A Personal Loan is an unsecured loan that you can use for all your personal needs like Travel, Weddings, Healthcare or any medical emergencies. You can repay the funds via fixed monthly instalments.  

As Personal Loan is an unsecured loan, you need not pledge any collateral such as property or gold to avail Personal Loan. 

To avail HDFC Bank Personal Loan, all you need to do is to apply for Personal Loan on https://applyonline.hdfcbank.com/personal-loans.html and Click Submit. On meeting the eligibility criteria, you will get an offer with the sanctioned amount, tenure of loan and interest rate. Once you accept the offer, funds are transferred to your bank account instantly. 

Personal Loan can be availed up to ₹1 crore. Subject to eligibility norms. 

For availing Personal Loan, you need to meet the mentioned basic criteria:

• Age: 21 to 60 years

• Employment:  

• Employees of private limited companies

• Employees of public sector undertakings (central, state, and local bodies) 

• Work Experience: Minimum of 2 years of total work experience, with at least 1 year in the current organisation

• Income: Minimum monthly net income of ₹25,000 

Interest on Personal Loan depends on various factors such as CIBIL score, Repayment History, Principal amount, Tenure. Use the Personal Loan EMI calculator link.     

Under the Golden Edge program, we offer, upon the payment of a minimum 12 EMIs, the Customer shall have the option to foreclose the loan in full or part towards the outstanding principal amount of the loan without any prepayment charge if the loan is prepaid from own sources. ​The customer who is having an income >= ₹75,000, and loan amount >₹15 Lakh is eligible for this offer.

No, there are no discounts on the interest rate or processing fees whether the Personal Loan is applied online or at branch.

​​​​​​​Stamp duty is levied by the Indian government and its compulsory to be paid to the government.

No, the bank has to incur some costs while processing and sanctioning of loan and hence the processing fee is charged accordingly.  

Loan processing and disbursement is done digitally and your loan will be disbursed within minutes. The sanction / decline of loan application are at the sole discretion of the bank

You can prepay your Personal Loan anytime. Loan prepayment does not negatively impact your credit score.

Yes, you can apply for a Personal Loan jointly if spouse is salaried individual.  

You can use Personal Loan for all your expected and unexpected needs of life. Whether you decide to take that one most awaited solo trip, or get into one of best colleges and fund your own education, or any sudden healthcare and medical needs, or maybe just some wedding shenanigans. You can now avail Personal Loan just at your fingertip.

You can pay the loan in Easy Equal Monthly Instalments (EMIs) that will be automatically deducted from your bank account. Just keep your bank account funded on EMI due date.

The bank has to incur some costs while processing and sanctioning of loan and hence the processing fee is charged accordingly.

HDFC Bank offers Fixed rate of interest at reducing balance method.

Any State and Central Government employees like Railway Employees, Defence Personnel, Government Employees, Nurses, and Teachers can get Personal Loan at an ease of click. We also provide Business Loan to Traders, Manufacturers, Service Providers, Women Entrepreneurs, Professionals at an exciting interest rate.

Some features to get you started for that one loan that will solve all your problems:

• Loan amount of up to ₹1 Crore

• Flexible Tenure up to 60 months 

• No Documentation required

• No hidden charges  

There is a pre-approved offer that you can avail of through NetBanking wherein no documents are required. ​​​​​If you are not eligible for a pre-approved offer, documents are required to ascertain the profile and loan eligibility.

You can check the status of your personal loan by using our Loan Status Checker.

You can apply for a Top-Up Loan on an existing Personal Loan easily. Just select 'Existing Top-up' from the dropdown of 'Type of Loan'. Please note that to be eligible for a Personal Loan Top-Up, you should have completed at least 6 EMI payments on the existing Personal Loan.

You can conveniently transfer your Personal Loan balance to HDFC Bank by selecting 'Balance Transfer' from the dropdown menu during digital loan process.

Your Personal Loan application may be rejected due to significant deviation to our internal policies. Our decision on the application may not be deemed as any reflection on your personal credit worthiness or stability. We sincerely hope that the Bank will be in a position to meet your requirements in future.

​​​​​​​Missing a loan EMI on due date result into levy of payment return charges & delayed instalment payment charges. It may also have an adverse impact on credit bureau score.  It is advisable to maintain sufficient balance to service the EMI regularly.

Yes, you can. As a self-employed individual, you can get a Business Loan if you meet the bank’s eligibility criteria for age, income and business stability. 

Yes, you can. Your loan eligibility will be assessed basis the debt-to-income ratio. Existing loans will be considered when assessing your repayment capacity.