Xpress Personal Loan - Fully Digital Banking
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6 Reasons why over 50 lakh customers prefer HDFC Bank XPRESS Personal Loan
Get Xpress Personal Loans up to ₹40 lakh
Whether it's debt consolidation, travel, or a major expense, get a loan instantly from ₹5,000 to ₹40 lakh!
Attractive interest rate starting at 10.85% p.a.*
No matter why you need a Personal Loan, we can customise the offering for you
Calculate your XPRESS Personal Loan EMI
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 to 60 months.
No Physical Documentation
No Physical Documents Needed
You can get an XPRESS Personal Loan without any physical documentation.
The application process is entirely digital, eliminating the need for physical documents.
Income verification is conducted through Perfios, with Account Aggregator as the preferred choice.
No documents are required for select pre-approved customers.
Keep the following handy while applying for the loan.
- Aadhar card Number
- PAN Card Number
- 6 months' bank digital statement (only if you opt for Manual verification)
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 calculator to check your EMI under different schemes.
Check your Eligibility
Our eligibility parameters help you avail XPRESS Personal Loan easily.
For salaried employees:
- Age - 21 years to 60 years.
- Minimum monthly income required - ₹25,000
Other factors that determine your credit worthiness are credit score and existing debts.
How to Check your CIBIL Score
Apply for Xpress Personal Loan 24x7
We offer XPRESS Personal Loan online through an end to-end digital process. You can apply for the loan anytime, 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.
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.
Tenure of up to 6 years
Easy Approval
Instant Disbursal
*Terms & conditions apply
Answers to your loan queries
The processing fee will be deducted from your loan amount.
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.
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