Resident Customers:
| For Credit Cards mail us at: | |
|---|---|
| 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
What is 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 monthly instalments.
What is a personal loan used for?
You are free to use the funds you get from a personal loan any way you wish – fund a holiday, buy a gadget, pay for medical treatment, use on home renovation, spend on a wedding, finance your children’s education, etc.
How do personal loans work?
Personal loans work pretty much the same way as most loans. You apply for a loan, submit your documents, the bank checks your credit worthiness and makes a loan offer. If you accept it, the funds are transferred to your bank account, and you can use them any way you like.
You must repay the loan in equated monthly instalments (EMI), which will depend on factors such as loan amount, tenure and interest rate.
How quickly can I get a personal loan?
Very. HDFC Bank offers personal loans to its pre-approved customers in 10 seconds*. Others can get funds in as little as 4 hours*.
What about interest rates, tenure etc?
Interest rates on personal loans: Interest rates can range will depend on your credit history, tenure, income, occupation etc.The rates are fixed and not floating rate.
How to get a personal loan: Getting a personal loan from HDFC Bank is fairly easy, especially if you have your documents are in order and you have a good credit track record. It helps if you are an existing customer. You can apply for a loan via Netbanking, on the HDFC Bank website, at an ATM, or by visiting a branch near you.
Tenure and repayment: You can get a loan for a tenure that suits your needs. You must repay the loan in equated monthly instalments or EMIs, a fixed sum every month. The EMI will depend on the loan amount, tenure and interest rate. You can check your eligibility at HDFC Bank online.
*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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