Personal Loan - Features

Unmatched benefits:
Instant funds, attractive
rates and easy EMIs

We understand that taking a personal loan is an important decision for you. That is why, as one of the leading personal loan providers, our product is thoughtfully designed and packed with unmatched features and benefits.

No matter why you need a personal loan, our application process is quick, hassle-free and requires minimal documentation. You can check your eligibility in 60 seconds, and instantly apply online for a personal loan. You can get funds within 4 hours of approval.

Existing HDFC Bank customers can benefit from special rates and loan approvals in 10 seconds. You can protect yourself against any eventuality by opting for accident and critical illness insurance at a nominal premium or a special policy to cover the outstanding amount on your loan.

Personal Loan
For Your Every Need!

  • Personal Loan
    for Salaried
  • Emergency
    Loan
  • Debt Cosolidation
    Loan
  • Marriage
    Loan
  • Home Renovation
    Loan
  • Personal Loan
    for Women
GET INSTANT PERSONAL LOAN

Get a personal loan in quick time

  • Check eligibility in one minute online and at select branches - Personal Loan Eligibility Calculator.
  • Get funds in 10 seconds if you are a pre-approved HDFC Bank customer. Other customers can get a loan in under 4 hours.
  • Get loan amount in just one working day of document submission

Apply Online for a personal loan

Protect yourself with insurance

  • Personal Accident Cover: For a nominal premium* you can avail of Personal Accident cover of up to Rs. 8 lakhs, and Critical Illness cover of up to Rs. 1 lakh. The premium for these policies will be deducted from the loan amount during disbursal. Applicable taxes and surcharge/cess will be charged extra.
  • Personal Loan Security: Secure your personal loan with Sarv Suraksha Pro. Key benefits include:
    • Credit Shield Cover equal to the outstanding loan amount
    • Accidental Hospitalisation cover of up to Rs. 8 lakhs*
    • Accidental Death/Permanent Disablement cover of up to Rs. 1 lakh*

*Terms and conditions of the insurers shall apply. The policy is offered by HDFC Ergo GIC Ltd.

Get a personalised product

No matter why you need a personal loan, HDFC Bank can customise the offering for you. If you already have an HDFC Bank account, you can benefit from special rates, charges and offers. HDFC Bank also offers a host of benefits for first-time loan customers Enjoy the flexibility to pick a tenure that suits you and pay back the loan in pocket-friendly EMIs (Use our Personal Loan EMI Calculator to check your monthly outgo)

Save money with personal loan balance transfer

Lower your personal loan EMIs by doing a balance transfer to HDFC Bank.

  • Interest rates as low as 11.49%* on the existing loan transfer
  • Flat processing fee of only Rs. 3999*
  • To transfer your loan balance, apply now.

Get assistance anytime, anywhere

For any help with your loan, you can reach out to us via SMS, Webchat, Click2Talk and PhoneBanking.

*Terms and conditions apply. Loan at the sole discretion of HDFC Bank limited. Subject to documentation and verification as per Banks requirement.

Personal Loan Benefits

  • EMI starting at Rs. 1,829/ lac^
  • Loan up to Rs 40 lacs
  • Loan disbursal in 4 hours^
  • Minimal documentation

Personal Loan Articles

What happens when you borrow money from a friend to pay for your wedding?

Thinking of asking a friend for a loan to help meet your wedding expenses? Here’s what could happen:

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Situations in which a Personal Loan can be your saviour

So, when should you apply for a Personal Loan? Here are some situations when they can be your financial saviour:

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8 Ways to manage your loans better

If you have watched the movie ‘Confessions of a Shopaholic’, you’ll know what happens when you live beyond your means. Lured by high-end fashion, a young woman keeps borrowing until she pushes herself to the brink of a financial disaster

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9 smart ways to snap out of a debt trap today

People tend to accumulate debt over time. Some of the debt is good like a Home or a Car Loan, which are Secure Loans. Sometimes we also forced to take a high-cost debt, which may be in the form of Credit-Card or borrowing from the market at very high interest rates

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