HDFC Bank Personal Loan
HDFC Bank Personal Loan — fastest digital disbursal in India for pre-approved customers, with competitive rates and flexible tenure.
At 9.99%, HDFC Bank has one of the lowest starting rates of the 22 lenders we track for personal loans.
Documents required
- PAN Card
- Aadhaar Card
- 3 months salary slips
- 6 months bank statement
- Latest ITR for self-employed
As published by HDFC Bank. Your branch may ask for more.
Best for: 10-second instant disbursal for HDFC salary-account customers — best for emergencies; pre-approved offer can be checked in NetBanking.
Eligibility
Loan terms
- 10-second disbursal for pre-approved customers
- Top-up loan available
- Flexible EMI options
- Special rates for HDFC salary account holders
Fees & charges
FAQ
Lenders price on your credit score, income, employer category and tenure. A score above 750 typically unlocks the lower end of each range shown. The exact rate is confirmed by the lender at underwriting.
Every row is date-stamped with the day we last checked it, and links to the lender’s published material so you can confirm it yourself. A row we confirmed against the source reads “Verified”; one we could only sight reads “as of”, and is not presented as confirmed. Anything we have not re-checked in 60 days is marked “rate under review” rather than left to look current. We do not claim a fixed re-checking cycle — the date on each row is the honest answer.
No. Viewing rates is not a credit enquiry and has no score impact. A hard enquiry happens only when you formally apply to a lender.
Most lenders allow prepayment after a few EMIs. Charges vary by lender and are shown in the fees section; RBI caps foreclosure charges on floating-rate loans to individuals.
More from HDFC Bank
- Home LoanRate7.9 – 13.2%Feeup to 1.5%Max tenure30 yr
- Education Loan (India)Rate9.3 – 11.7%Fee1%Max tenure15 yr
- Gold LoanRate9.3 – 17.86%Fee1%Max tenure2 yr