Resident Customers:
| For Credit Cards mail us at: | |
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| For Regular Post: Manager, HDFC Bank Cards Division,PO BOX # 8654 Thiruvanmiyur PO Chennai - 600 041 For Courier: Manager, HDFC Bank Cards Division,# 8, Lattice Bridge Road, Thiruvanmiyur, Chennai - 600 041 |
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| For products (other than Credit Cards ) mail us at: | |
| HDFC Bank Ltd., New Bldg; "A" Wing 2nd floor, 26-A Narayan Properties,Chandivali Farm Road, Off Saki Vihar Road, Chandivali, Andheri (East), Mumbai- 400 072 |
NRI Customers: Click here
How to get a personal loan without security?
A personal loan is one that is provided by a bank to fund a financial need or immediate cash requirement, be it for business, family wedding, studies or foreign trips. The bank will not question you about the end use when you are applying for a personal loan.
However, one of the best things about a personal loan is that it does not require any collateral or security such as property, shares or gold.
What determines my eligibility for a personal loan without security?
You credit rating and worthiness determines your eligibility for a personal loan without collateral. It helps if you are a long-standing customer of the bank. if you have a disciplined repayment history and high credit worthiness, you are likely to get a personal loan on favorable terms. HDFC Bank offers loans up to Rs 40 lakh.
Forget collateral, focus on financial stability
Since personal loans are unsecured (without collateral or security) loans, banks will look at your income, cash flows, strength or stability of your business or employment to make sure you are able to repay the loan. HDFC Bank customers can get personal loans with minimal or no documentation. Visit the HDFC Bank website to know more about our personal loans.
How soon can I get a personal loan without security?
Pre-approved HDFC Bank customers can get a personal loan in as little as 10 seconds*. Others can get a personal loan in under 4 hours*.
Does a personal loan without collateral come with higher interest rates?
Personal loans are usually offered without security. If you have a good credit history, strong income proof, and a long relationship with the bank, you should be able to get good terms.
How can I use the funds from a personal loan without collateral?
That’s entirely up to you. You can use it for business to fund a trip abroad to buy a gadget or to meet a medical emergency.
How is the repayment to be made?
Personal loans are short to medium term (12 to 60 months) loans with a flexible repayment structure. You will typically repay the loan in equated monthly instalments. You can adjust your repayment tenure to make your EMIs pocket-friendly. HDFC Bank offers loans with EMIs starting at Rs 2174 per lakh. Check the HDFC Bank EMI Calculator to plan your repayment better.
* Terms & conditions apply. Loan disbursal at sole discretion of HDFC Bank Ltd.
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A personal loan is one that is provided by a bank to fund a financial need or immediate cash requirement, be it for business, family wedding, studies or foreign trips. The bank will not question you about the end use when you are applying for a personal loan
Personal loans are loans that do not require collateral or security and is offered with minimal documentation. You can use it for any legitimate personal need. Like any other loan, you must repay it according to agreed terms with the Bank usually over a few months to a few years in easy equated mont
When you have a clean credit history and a track record of financial discipline, you may become eligible for a personal loan pre-approval.
Whether you want funds for a family wedding, a foreign holiday, child’s education, home renovation or medical emergency —a personal loan is the ideal solution for your urgent financial needs.
A personal loan is useful to fund a range of financial needs, including home renovation, children’s education, medical emergency, family wedding or a dream vacation.
Emergencies may happen rarely, but they are always unexpected. And when you are faced with a tough situation, you may need funds quickly.
Ask yourself these questions before you decide to apply. From how to apply for a personal loan to personal loan requirements, we have the answers to key questions that you may have.
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EMI is one of the most important aspects of any loan that you take. EMI stands of equated monthly instalments. It is the amount you will have to pay every month till the end of your loan tenure
Two questions that most people have when they take a personal loan are: How much loan can I get? How much will I have to pay out every month?
Be it a wedding, children’s education, a medical emergency or foreign travel, a personal loan is a great way to raise funds for a wide range of personal needs. You can get the funds quickly, with minimal documentation. You can repay the loan over many months or years in easy monthly instalments.
At times you need to borrow funds to finance large purchases, consolidate existing debts or even seek short term help. HDFC Bank offers a wide range of financial products that can be borrowed to suit your financial requirements
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