Consumer Loans

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Consumer Laons

Key Features of EASYEMI on Consumer Loan

EasyEMI Perks

  • Flexible Repayment Options: Choose a repayment schedule that fits your lifestyle, from 6 to 48 months. Manage your purchases effortlessly.
  • Easy Application Process: Apply using just your PAN number and mobile number. It’s that simple!
  • Down Payment Options: Choose from a variety of down payment schemes to suit your budget and preferences.
Features

Instant Approval

  • Get instant approval within minutes — No hassle of long waiting period. You can get an instant Consumer Loan of up to ₹5 lakh using just your mobile number and PAN card. Our in-store RO (Retail Officer) will help you complete the KYC and mandate process. If the RO isn’t available, don’t worry—you can still avail the loan right at the checkout counter by completing a quick E-KYC and E-mandate, especially if you’re a New to Bank (NTB) customer. It’s fast, simple, and hassle-free! To check pre-approved loan offers: 

    • Text EASYEMI on 7070022222 over WhatsApp

    • Send 'SMS MYHDFC' to 5676712 

    • Click here to know more.

Card Management & Control

Loan Details

  • Loan Tenure: 6 to 48 months (depending on product type)
  • Maximum Loan Amount:

    • Consumer Durable: ₹7,000
    • Lifestyle Products: ₹10,000
  • Required Documentation: KYC with income proof
Redemption Limit

Fees & Charges

  • Cheque Bounce Charges: 2% + GST @ 18% (subject to a minimum of ₹531). Charges may vary as per government instructions.

  • Late Payment Fee: ₹550 + GST @ 18% for non-payment or partial payment of EMI (subject to change as per government instructions).

  • Pre-closure Charges: 3% of the balance principal outstanding + GST @ 18% for pre-closure of the loan (subject to change as per government instructions).

  • GST is not applicable on interest but is applicable on fees and charges.

  • Government taxes, levies, and other charges will be applied as per prevailing rates.

Processing Fees: Up to ₹2,499+GST

Features

Interest Rates

  • Rates offered to customers during the period of 1st July to 31st September.
Segment IRR (Internal Rate of Return) APR (Annual percent Rate)
  Min Max AVG Min Max AVG
CONSUMER DURABLE LOAN 10.99% 39.58% 18.63% 10.99% 39.58% 18.64%
  • Log in to the MyCards Section for all your consumer loan details.
  • DLA for Consumer Durables = LENTRA
Features

General Terms & Conditions

  • CashBack will be credited to the customer’s account within 45 days of successful clearance of the first 3 EMIs, without any delays or bounces (excluding advance EMI).

  • Customers can foreclose the loan at any time during the loan tenure with applicable foreclosure charges.

Card Management & Control

Wondering if you are eligible?

Eligibility

  • This is a Pre-approved Loan for HDFC Bank Customers. Check eligibility:
  • SMS MYHDFC to 5676712
  • WhatsApp Us at 7070022222

Instore

  • Salaried:
  • Maximum Age: 70 years
  • Income Range: ₹15K monthly
  • Self-Employed:
  • Maximum Age: 75 years
  • Income Range: Annual ITR of ₹2.4L
2525504537

How to Avail EasyEMI

Follow the steps to avail of EASYEMI on Consumer Loan:

Note: In store with the help of Relationship Officer

  • Step 1: Choose your product at a physical store
  • Step 2: Approach the HDFC Bank RO in the store
  • Step 3: Give your Mobile and PAN details and know your offer limit.
  • Step 4: RO will assist in completion of Product Purchase with Selection of Product Schemes and EMI Tenure.
  • Step 5: Post Purchase, Customer will receive a confirmation mail and SMS along with their EMI details.
Check Offers
Consumer Laons

More About EASYEMI on Consumer Loan

You can use this loan to purchase household goods and appliances like television sets, air-conditioners, refrigerators, laptops, mobile phones and even modular kitchens. HDFC Bank offers up to ₹15 lakh with 100% financing. 

To avail EASYEMI on Consumer Loan,  click here. Provide your basic details to get started.

Frequently Asked Questions

HDFC EasyEMI on Consumer Loans You also do not require any physical card and can enjoy a pre-approved limit of up to ₹5 lakh for durables and ₹15 lakh for lifestyle products.

A Consumer Loan is a Financial Product where the lender finances the purchase of goods like Electronics, Lifestyle Products and Appliances.

HDFC Bank CD Loan offer is available across wide range of products, including:

  • Electronics / Mobiles 

  • Lifestyle: Furnitures, Watches, Cameras, Modular kitchen, Kitchen appliances, & Solar Panel. 

  • Healthcare & Wellness: Hair transplant, Cosmetic surgery, Dental surgeries, IVF, eyecare and skin treatment.

EASYEMI on Consumer Loan eligibility can be checked by two methods

  • By Self check: SMS “MY HDFC” to 5676712
    Whatsapp “EASYEMI” to 7070022222
  • By visiting Store: Provide your PAN & mobile number details to an HDFC Bank representative available at the store.

Both consumers with existing banking relationships with HDFC Bank and New to HDFC Bank are eligible to apply for HDFC Bank Consumer Loan.

HDFC Bank Consumer Loan can be availed across PAN India.

Consumers can get a loan offer up to ₹5 Lakh for Consumer Durable & ₹15 Lakh for Lifestyle Products.

HDFC Bank Consumer Loan can be availed via No Cost EMI & Low-Cost EMI. 

No Cost EMI - Customer needs to only pay back the loan amount availed in equal instalments on scheme tenure selected (No additional interest charges). 

Low-Cost EMI - Customer needs to pay back an additional interest on scheme tenure selected. 

Yes, the Processing Fee amount depends on products and brands. 

Yes, a pre-closure charge of 3% on the outstanding amount plus applicable taxes is levied. 

No. The scheme/tenure selected while availing the loan will determine the EMIs. Once the Consumer Loan is disbursed, the EMI shown will be the final one.

No, you cannot make partial payments against Consumer Durable Loans. 

The number of purchases a customer can make is controlled by the Bank’s internal policy and it typically depends on the customer’s credit score. 

No, Customers need not utilise the complete amount in one go. They can utilise the remaining amount for purchasing other Consumer Loan products.

Dream Big, Pay Small with EASYEMI

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