Personal Loan

What’s in store for you

Personal Loan in India

With HDFC Bank’s extensive network of branches and ATMs across India, you can access banking services conveniently, wherever you are.
 

Our Personal Loan is designed to help you manage your financial needs with ease. Benefit from competitive interest rates, a simple application process, flexible repayment tenures and quick access to funds when you need them most. 
 

No matter the expense, an Xpress Personal Loan from HDFC Bank gives you the financial support you need without disrupting your savings.

Looking for a Personal Loan in your city?

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XPRESS Personal Loan in India

Benefits of XPRESS Personal Loan

  • Higher Loan Amount
    Get access to substantial funding to manage planned or urgent financial needs with ease.

  • Competitive Interest Rates
    Benefit from attractive interest rates designed to make repayments more manageable.

  • Pre-Approved Offers
    Eligible customers can enjoy instant access to personalised pre-approved loan offers.

  • Quick Disbursal
    Experience a seamless process with faster approvals and timely loan disbursal.

  • Versatile Usage
    Use your Personal Loan for travel, weddings, medical expenses, home renovation and more.

Benefits of Personal Loan

Apply for XPRESS Personal Loan

Step-by-step guide to apply for a Personal Loan

  1. Step 1: Click here to apply for a Personal Loan.

  2. Step 2: Select your occupation.

  3. Step 3: Identify yourself using your mobile number and DOB/PAN.

  4. Step 4: Provide personal details.

  5. Step 5: Verify income.

  6. Step 6: Check the loan offer.

  7. Step 7: Complete Aadhaar-based KYC.

  8. Step 8: Enjoy quick funds in your bank account.
Apply for Personal Loan

Documentation

KYC-compliant bank / Pre-approved customers can avail the Personal Loan in just 10 seconds with no documentation.

If you need a Personal Loan with a higher loan amount, you can click here. This is an end-to-end digital journey.

  • 100% Digital Process
  • Hassle-free Borrowing experience! 
  • No Documentation Required to get Loan for your Personal needs.

Know more about Personal Loan Documentation

Insurance

Balance Transfer

Benefit from favourable loan terms and competitive interest rates by transferring your existing Personal Loan to your HDFC Bank

Balance Transfer

Insurance

  • Personal Accident Coverage

    Cover of up to ₹8 Lakh for personal accidents, with Critical Illness cover of up to ₹1 Lakh.

  • Insurance Premium Deduction

    Premiums for accident and illness covers are deducted directly from the Loan amount during disbursal.

Fees & Charges

Fees & Charges

Here’s the complete schedule of Personal Loan fees and charges in India.

Fees & Charges

Most Important Terms & Conditions

  • *The Most Important Terms and Conditions for each of our banking offerings features all the specific terms and conditions that govern their use. You must go through it thoroughly to fully understand the terms and conditions applicable to any banking product you choose.
Most Important Terms & Conditions

Are you eligible for HDFC Bank Personal Loan in India?

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  • Age: 21 to 60 years
  • Employment: 
    • - Employees of Private, Limited and LLP 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.

Know more about Personal Loan Eligibility

Frequently Asked Questions  

Fast, easy, secure—start your XPRESS personal loan application right now

Apply Now