All about HDFC BANK Xpress personal loan

Get Xpress Personal Loans up to ₹40 lakh

Whether you need urgent funds for debt consolidation, bill payment, travel, home improvement or any other big purchase, you can take a loan from ₹50,000 up to ₹40 lakh* instantly!

Attractive interest rate starting at 10.50% p.a.*

No matter why you need a Xpress Personal Loan, we can customise the offering for you.

Read more about how to calculate your Xpress Personal Loan EMI and how to lower it

Get money instantly

We ensure instant disbursal so you can access the money immediately after approval.

Select pre-approved HDFC Bank customers can get money in the account within 10 seconds.

Flexible Loan Tenure

  • You can take advantage of our flexible repayment term of 12 months to 60 months
  • Enjoy our facility to select tenure according to your requirement and re-payment capacity.

Easy Paperwork

No Physical Documents Needed

You can get an XPRESS Personal Loan without any physical documentation.

The entire process is online and digital document verification process happens via Video KYC.

No documents are required for select pre-approved customers.


Keep the following handy while applying for the loan.

  • Aadhar card Number
  • PAN Card Number
  • 3 months Bank statements

Get Personal Accident Cover up to ₹8 Lakh

We don’t charge monthly premium for accident cover, one-time premium money will directly get deducted from your loan amount.

Calculate your EMI

Get pocket friendly EMIs starting ₹2,149/ Lakh

Use our calculators to check your EMI under different schemes.

Check your Eligibility

To make borrowing easy & accessible our eligibility parameters are simple

For salaried employees:
  • Individuals between 21 and 60 years of age
  • Minimum monthly income required is ₹25,000

Your credit score and existing debts will also be used to determine your credit worthiness

Apply for Xpress Personal Loan 24x7

We offer Xpress Personal Loan online through an end to end digital process. You can apply for loan anytime including weekends and public holidays, from anywhere.

Just follow these 5 steps
  • Enter your registered mobile number & validate with an OTP
  • Enter your details
  • Check your Loan offer
  • Submit your application. No application submission for pre-approved customers
  • Enter verification OTP

Once approved, money will be transferred to your account instantly.

Get Xpress Personal Loan in 5 easy steps

Watch Video

Exclusive Offers on Xpress Personal Loan for Government Employees

You can trust us to give you the most attractive rates & specially curated loans so we can serve you the best. You can use our collateral free loan for any reason be it home renovation, wedding expenses, or medical emergency.

Added benefits just for you.

  • 7 years flexible tenure
  • Easy Approval
  • Instant Disbursal

*Terms & conditions apply

Answers to your loan queries

Can I get Xpress Personal Loan higher than my pre-approved amount?
Yes. We offer higher loan amount to customers basis additional income proof & other documents. Click here, check your offer & then select higher loan amount and submit your details
Can I apply for Xpress Personal Loan lower than my pre – approved amount ?
Yes, you can choose any loan amount from ₹50,000 up to your pre-approved limit.

Is it mandatory to take insurance cover on my Xpress Personal loan ?
No, it is not mandatory to get an insurance cover. We offer insurance at the best rate which will be deducted from your loan amount.

What is the processing fee?
Loan processing fee is up to 2.50% of the loan amount subject to a minimum of ₹1,999/- & maximum of ₹25,000/- for salaried customers.
The processing fee will be deducted from your loan amount.
Can I prepay the loan? Are there any additional charges on pre-payment ?
Yes, you can choose to repay your loan any time after 12 months of taking the loan and after you have paid 12 EMIs along with applicable foreclosure charges.
Are there any other charges for availing Xpress Personal Loan?
Yes, applicant will be liable to bear the Stamp duty charges as per State Stamp Act. There are no other hidden charges.
Can my spouses income be included for calculating the loan amount?
Yes, your spouse’s income can be included, if your spouse is a co-applicant for the loan.
How do I check the status of my Xpress Personal Loan application?
You can check the status of your Xpress Personal Loan application by clicking here.
Do I need to provide any security to apply for Xpress Personal Loan?
No. The Xpress Personal Loan is an unsecured loan, which means, you do not need to provide a collateral when applying for this loan
What is the minimum and maximum loan amount to apply for Xpress Personal Loan?
You can get anywhere between ₹50,000 to ₹40 lakh under Xpress Personal Loan from HDFC Bank.
Do I need to provide any security to apply for Xpress Personal Loan?
No. The Xpress Personal Loan is an unsecured loan, which means, you do not need to provide a collateral when applying for this loan.
How can I repay my Xpress Personal Loan?
You can repay your Xpress Personal Loan via an auto-debit instruction through your HDFC Bank account on a stipulated date every month to repay your EMI.
What is Xpress Personal Loan EMI Calculator?
If you opt for Xpress Personal Loan, you will need to pay back the borrowed amount and interest through Equated Monthly Instalments or EMI over a fixed duration. This EMI can be calculated through the EMI calculator, depending on your requirements.
What can Xpress Personal Loan be used for?
The Xpress Personal Loan from HDFC Bank can be used for any number of purposes as there are no end-use restrictions on it.
You can use it to fund a long overdue family holiday, wedding expenses, medical bills or treatment costs, purchase of new gadgets and appliances, home renovation and other such reasons.
Why should you choose HDFC Bank Xpress Personal Loan?
When you apply for an HDFC Bank Xpress Personal Loan, you can get the required funds instantly.
Not just that, HDFC Bank offers loan up to ₹40 Lakhs at pocket friendly EMIs starting ₹2,149/ Lakh with flexible repayment tenure of up to 5 year

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