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 10.50% 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.

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.

Get Xpress Personal Loan in 5 easy steps

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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

Can I get an 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?
Processing fee of up to ₹4,999/- + GST .
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 post cooling off period of 3 days from disbursal date.
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 ₹5,000 to ₹40 lakh under an 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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