OTP-verified soft check · won’t affect your credit score · DPDP-consented
Move the sliders to see monthly EMI, total interest, and total cost of this loan.
Your actual rate depends on your credit profile, income, and employer category.
Monthly EMI
Total interest
Total payment
Total cost of this loan
✨ interest + processing fee
✓ Best for
10-second instant disbursal for HDFC salary-account customers — best for emergencies; pre-approved offer can be checked in NetBanking.
⚠ Not ideal for
Self-employed with irregular ITR — HDFC personal loan is salaried-first; SE applicants get pushed to business-loan or LAP.
For a ₹5 L loan over 3 yrs at 9.99% — your best-case scenario.
You repay ₹5,80,725 for ₹5,00,000 borrowed.
Customize amount, tenure & rate in the EMI calculator above ↑
This is a floating-rate loan. No prepayment penalty — you can foreclose or pre-pay any amount at any time, free of charge (RBI mandate for floating-rate individual loans).
Largest private-sector bank in India. EBLR linked to RBI repo (5.25%); home loan rack range 7.90–13.20%, personal 9.99–24.00%, XpressCar from 9.40%, business 10.75–22.50%.
Visit HDFC Bank websiteSee how HDFC Bankcompares on rate, fees & eligibility.
Axis Bank
Min salary: ₹15K · CIBIL: 750+ · Salaried · Self-employed · Professional
IndusInd Bank
Min salary: ₹25K · CIBIL: 700+ · Salaried · Self-employed
IDFC FIRST Bank
Min salary: ₹20K · CIBIL: 700+ · Salaried · Self-employed · Professional
Federal Bank
Min salary: ₹15K · CIBIL: 700+ · Salaried · Self-employed
Secure your family
Term life insurance pays off your loans and supports your family if anything happens to you — premiums start from ₹5,000/year.
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