Apply Instant Loan Online with Lowest Interest Rates

HDFC Bank General Loans: A head start to new beginnings. Karo Har Dil Roshan! Buy a home, car or bike; invest in your business; or get home the latest gadgets… HDFC Bank helps you achieve a variety of goals with a wide range of loan products.

Attractive interest rates, flexible tenures and repayment options, minimal documentation and quick disbursals are some of the features of HDFC Bank loans.

Personal Loan

Let nothing hold you back. #LiveYourWay with Personal Loan

Personal Loan

  • With EMI starting at ₹2,149/lakh^
  • Avail loan up to ₹40 lakhs
  • Get funds in 10 seconds*
  • Minimum documentation

EasyEMI Consumer Durable Loans

It’s now easier than ever to buy your favourite products with HDFC Bank’s EasyEMI

Easy EMI Consumer Durable Loan

  • Avail EASYEMI with Debit Card,Credit Card,Consumer Durable Loans
  • Instant approval
  • No documentation

Car Loan

Get the car you want, the way you want it with our Customized Car Loan

New Car Loan

  • Flexible repayment options: Step-up/Balloon EMI
  • Zero foreclosure charges
  • Top-up loans and much more

Pre-Owned Car Loan

  • Up to 100% funding
  • 7-year loan tenure
  • 30-minute approvals

EV Car Loan

  • Up to 100% Funding
  • Instant Disbursal
  • Top-up Loans and much more

Loan on Credit Card

Take a loan against your credit card limit to meet all your urgent financial needs without any hassle

Loan On Credit Card

  • Get a pre-approved loan within the credit limit of your HDFC Bank Credit Card instantly
  • Enjoy attractive interest rates, among the lowest in the market
  • No documentation

Two Wheeler Loans

Get instant loan approval and ride home your two-wheeler

Super Bike Loan

  • Enjoy savings of up to ₹12,500 (assuming a loan amount of ₹7 lakh for 60 months)
  • Get a pre-approved loan of up to ₹7.5 lakhs if you are a high net worth (HNW) accountholder
  • Avail ₹2 lakh funding for accessories

Two Wheeler Loan

  • Get 2% lower interest rate if you are an HDFC Bank account holder
  • Check eligibility in one minute and get loan approval in 15 minutes
  • Choose a tenure that works for you from 12 months to 48 months

EV Bike Loan

  • Choose a tenure that works for you from 12 months to 48 months
  • Check eligibility in one minute and get loan approval in 15 minutes
  • Top-up Loans and much more

Business Loan

Enhance your business with quick and easy business loans

Business Loan

  • Check your eligibility and get in-principle approval in just one minute
  • Protect your family from debt with a Credit Protect Plan at a nominal premium
  • Get more benefits if you have a Current or Savings Account with HDFC Bank

Home Loan

Make your dream home yours with a flexible and attractive loan

Home Loan

  • Enjoy highly competitive interest rates and processing charges
  • Choose between fixed and floating rate home loans
  • Get a loan approval even before you have selected the property

Educational Loans

Take the first step toward fulfilling your ambitions with easy education loans

Education Loan For Indian Education

  • Get a loan of up to ₹7.5 lakh without collateral
  • Get preferential interest rates for top-ranked colleges and universities
  • Choose from a wide range of collateral options

Central Government Interest Subsidy Scheme

  • An initiative by Ministry of Human Resource Development (MoHRD) to support students from Economically Weaker Sections of the society
  • Get a full subsidy on the interest payable during the moratorium period
  • Interest Subsidy Scheme on Education Loan for students with family income of up to ₹4.50 lakh 

Education Loan For Foreign Education

  • No margin money required
  • Up to 100% finance
  • Tax benefit under Section 80E
  • Attractive rate of interest

Rural Loans

Make the most of rural loans tailored for your specific agricultural needs

Retail Agri Loan Kisan Gold Card

  • Withdraw up to ₹15,000 and spend up to ₹25,000 a day at merchant outlets
  • Use Kisan Gold Card for a wide range of agricultural activities and products
  • Get Personal Accident Insurance cover of up to ₹2 lakh free

Tractor Loan

  • Get up to 90% of the cost of the tractor you want to buy
  • Enjoy highly competitive interest rates and processing charges
  • You do not have to pledge additional collateral to get a tractor loan

KGC Shaurya

  • Facility Type: Cash Credit, Term Loan, Drop Line OD
  • Eligibility: All working defense personnel with minimum one year of service. Personnel of Army, Navy, Air Force, Para Military services like BSF/ITBP/CRPF/Coastal Guards/ CISF and Assam/J&K Rifles are eligible
  • Free Personal Accidental Insurance coverage of up to ₹10 lakh

PM Mudra Yojana

Loans for non-corporate, non-farm small/micro enterprises

PM Mudra Yojana

  • Loans up to ₹ 10 lakh
  • Quick disbursal
  • Secure
  • Minimum documentation


Buy Now, Pay Later with HDFC Bank FlexiPay


  • 15 days at No Extra Cost
  • No additional cost
  • Flexible repayment cycles

Key Features of Loans from HDFC Bank


  • Attractive Interest Rates: Competitive interest rates allow you to access loans at affordable EMIs.
  • Digital Process: Enjoy the convenience of applying for a loan online from anywhere.
  • Quick Disbursal: Faster processing time allows you to get access to funds quickly.
  • Flexible Repayment Schedule: Select a repayment plan that suits your financial needs.
  • Prepayment Facility: Prepay your loan before the intended tenure to reduce interest costs.
  • No Hidden Charges: Be aware of all possible charges for your loan.

Different Types of Bank Loans at HDFC Bank

  • Electric Vehicle Car Loan
    Enjoy instant processing of EV Loans with a turnaround time of as low as 30 minutes. Avail a loan of up to ₹10 crore on the most popular EVs.
  • Electric Bike Loan
    Pre-approved customers can enjoy instant disbursal of the loan amount. Enjoy minimum paperwork and faster processing times with XpressWay.
  • Doctor Loan
    Our Doctor Loans help medical professionals set up or expand clinics, get working capital or purchase new medical equipment. Get a loan of up to ₹75 lakh in select locations.
  • Salary Plus
    Get an instant overdraft of up to ₹1.25 lakh with your Salary Account and pay interest only on the utilised amount. You can activate the facility via NetBanking and get the money in your account within seconds.


  • For ETB: Existing bank customers can typically apply for most loans by providing digital copies of their Aadhaar and Permanent Account Number (PAN) since the Bank already has collected data at the time of onboarding.
  • For NTB: New bank customers are typically required to provide their ID, address and income proof. Self-employed individuals are required to provide Income Tax Returns (ITR) showing the required annual income.

Eligibility Criteria

Both existing and new bank customers are required to fulfil the age and income criteria along with any other loan eligibility criteria under the respective loan type.

Fees and Charges

Fees and charges for loans typically include processing charges, stamp duty, late instalment payment penalties, full or partial prepayment charges and more.


Why should you choose HDFC Bank for a Loan?

With HDFC Bank, you can get a variety of loans for your varied financing needs, whether you want to buy a home, upgrade your bike, pay for education or make big-ticket purchases. HDFC Bank also offers a streamlined loan application process, which allows you to apply for loans digitally. Other key features include attractive loan interest rates, minimum documentation, no hidden charges, pocket-friendly EMIs and quick disbursals.

How can I get a loan in five minutes?

You may get a Personal Loan in a few minutes if you are pre-approved for the loan. You may also avail a quick loan against your Credit Card or Fixed Deposit.

How can I apply for a loan online?

At HDFC Bank, we offer digital platforms where you can apply for most loans online. To apply for a loan online, select the type of loan you want, fill out the online application form, upload the required documents if needed, pay the processing charges and await approval.

How do I take a loan from a bank?

The process of getting a loan from a bank is simple:

1. Check the eligibility criteria for the loan on the bank’s portal for the loan type needed.
2. Apply for the loan online or visit the bank branch.
3. Submit the required documents.
4. If you meet the eligibility criteria and your documents are in place, the bank might approve your loan.
5. Once the loan amount is sanctioned, it will be disbursed into your bank account.

How can I get a loan immediately?

You may get a loan immediately if you’re pre-approved. This means that the bank or lender has already offered a loan amount and all you have to do is apply and select the repayment schedule.

Can I get a loan on my Aadhaar card?

An Aadhaar card acts as both identity and address proofs. You can provide your Aadhaar card as documentation in the online application form and get a loan quickly.

How is the EMI for an instant loan calculated?

The Equated Monthly Instalments (EMI) for a loan are calculated by dividing the sum of the principal amount and interest by the number of months in which the loan is to be repaid.

Can I pre-close the loan before the completion of the loan repayment period?

Most lenders allow you to close the loan before the actual loan tenure ends. However, make sure you’re aware of the penalties for pre-closure.