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HDFC Bank Personal Loan

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HDFC Bank offers personal loans at 10.25% per annum for tenures of up to 6 years. These loans are available for loan amounts of up to Rs 40 lakh, and the customer can choose from a range of tenures depending on his or her needs. The bank also offers pre-approved loans to select customers with instant loan disbursal in just 10 seconds if you are a pre-approved customer so that they don't have to wait for days or even weeks to receive their money after applying. The bank also offers a personal loan balance transfer facility to existing borrowers at lower interest rates, which means they can avail of more funds while paying off their previous debts faster.

Here are a few factors about HDFC Bank Personal Loans

Mode of Process



Delhi - NCR

Lending Size and Tenure 

1L-40L (12M to 72 M)



ROI (Fixed/Reducing)


Processing Fees




As per Policies

Partial Payment Allowance


Dealing in Unsecured OD


Negative Profile for HDFC Bank Personal Loans 

A negative list or negative profile is a list of areas of the city where residents would not qualify for credit approval. In India, this has been a relatively new development.



MCD Fourth Grade 



Documents Required 

  • The age of the applicant should be between 22 to 60
  • The min. salary of the applicant should be 25K 
  • The min. Employment should be 2 months of continuous salary 
  • The minimum CIBIL score has to be 700

  • Identity proof (copy of passport/voter ID card/driving license/Aadhaar)
  • Address proof (copy of passport/voter ID card/driving license/Aadhaar)
  • Last 3 Month Salary Bank Statement in PDF
  • Current last 2 months salary slip with the latest form 16


A personal loan is an unsecured loan that you can get from a bank or financial organization to help you meet your financial obligations.

If you have been planning to get a personal loan from HDFC, you can borrow in the range of 50,000 to 40,00,000.

No, you won’t need to provide any security or guarantor for availing of the ICICI Bank Personal Loan.

HDFC Bank offers flexible repayment options ranging from 12 to 60 months, depending on the customer’s profile.

After the approval of your personal loan application, it will take 7 days for the amount to get disbursed.

HDFC Bank Personal Loan by Banks

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