• Check your personal loan eligibility using our calculator.

• Check for pre-approved offers.

• Use the HDFC Bank EMI Calculator to find an EMI that suits your monthly budget keeping your loan amount, interest rate preferences & tenure in mind.

• No branch visits required with our completely digital and paperless journey.

• Myth – Personal loans are difficult to get. Fact: With simple online application & approval, getting a personal loan is easier than ever

• Myth –  It takes days to get approval.  Fact: With HDFC Bank’s XPress Personal Loan, approvals are instant and disbursal takes place within 24 hours

• Myth - Personal loan requires mountains of paper work. Fact: Whether you are a new applicant or already pre-approved HDFC Bank customer, the personal loan application process is 100% digital & hassle-free

You are eligible to apply for the personal loan if you are:

• Between 21 to 60 years old 

• A Private Company employee or a Public Sector Undertaking (Central, State & Local Bodies) Employee

• Working for 2 years with 1 year in your current job 

• Earning a steady monthly income of minimum INR 35000 (metro city)

• Have built a high CIBIL Score 

• At HDFC Bank, all Loan fees and charges associated with the Loan are disclosed at the time of Loan application.

• Rate of Interest: 9.99% - 24.00% (Fixed Rate)

• Loan Processing Charges: Up to ₹ 6,500/- + GST

• Stamp Duty: At actuals (Per applicable state laws) 

• If your income is on the lower side, consider boosting it with additional sources like bonuses, incentives, part-time work, or dividends.

• If there are errors in your credit report, it can pull your score down. Report any inconsistencies and mistakes to the credit bureau.

• If you have too many EMIs, clear your debts to improve your debt-to-income ratio.

• Frequent job changes can impact your chances because it indicates instability.

• Consider having a co-applicant like a parent or spouse with a higher credit score.

• Don’t apply to too many places for a loan as it can impact your credit score