BankMost Popular
HDFC Bank Personal Loan 2026
Interest rate, eligibility, documents & fees
- Interest Rate
- 10.5%–24%
- Loan Amount
- Up to ₹40 lakh
- Tenure
- 12–60 mo
HDFC Bank Personal Loan — Key Details
Last reviewed August 2026
- Interest rate
- 10.5% – 24% p.a.
- Loan amount
- ₹50,000 – ₹40 lakh
- Tenure
- 12 – 60 months
- Processing fee
- Up to 2.5% (min ₹999)
- Minimum CIBIL score
- 700+
- Minimum monthly income
- ₹25,000
- Age
- 21 – 60 years
- Employment type
- Salaried, Self-Employed Professional
HDFC Bank Personal Loan EMI
Monthly EMI at the starting rate of 10.5% p.a. Your rate may be higher.
| Loan amount | 12 months | 24 months | 36 months | 60 months |
|---|---|---|---|---|
| ₹1,00,000 | ₹8,815 | ₹4,638 | ₹3,250 | ₹2,149 |
| ₹3,00,000 | ₹26,445 | ₹13,913 | ₹9,751 | ₹6,448 |
| ₹5,00,000 | ₹44,074 | ₹23,188 | ₹16,251 | ₹10,747 |
| ₹10,00,000 | ₹88,149 | ₹46,376 | ₹32,502 | ₹21,494 |
HDFC Bank Personal Loan Eligibility
- Age: 21–60 years
- Minimum monthly salary: ₹25,000
- CIBIL score ≥ 700
- Minimum 2 years total work experience
- At least 1 year with current employer
Documents Required for HDFC Bank Personal Loan
Salaried
- PAN Card
- Aadhaar Card / Passport / Voter ID
- Last 3 months salary slips
- Last 3 months bank statements
- Form 16 / ITR (last 2 years)
- Employee ID or HR letter
Self-Employed
- PAN Card
- Aadhaar Card
- Last 2 years ITR with computation sheet
- Last 6 months bank statements (current account)
- Business proof (GST registration / trade license)
- Office address proof
Pros & Cons
Advantages
- Competitive rates from 10.5% p.a.
- High loan amount up to ₹40 lakhs
- 10-second digital approval for pre-approved customers
- Wide branch and digital banking reach
- Pre-approved offers with zero documentation for existing customers
Watch out for
- Strict CIBIL requirement (≥ 700)
- Processing fee up to 2.5% adds to cost
- Primarily for salaried segment
- Self-employed face stricter scrutiny
How to Apply for a HDFC Bank Personal Loan
HDFC Bank's own application process
- 1Visit the HDFC Bank website or app and click Apply
- 2Enter mobile number and basic employment details
- 3Receive instant eligibility check and personalised offer
- 4Upload KYC documents digitally (Aadhaar, PAN, salary slips)
- 5Get in-principle approval within 10 seconds
- 6Loan disbursed directly to your bank account in under 4 hours
Not sure HDFC Bank is right for you? Compare offers from RateCut's lending partners first.
Compare OffersHDFC Bank Personal Loan — FAQs
What is the HDFC Bank personal loan interest rate?
HDFC Bank personal loan interest rates range from 10.5% to 24% p.a. (last reviewed August 2026). The rate you get depends on your credit score, income, employer and loan amount.
What is the minimum salary for a HDFC Bank personal loan?
HDFC Bank requires a minimum monthly income of about ₹25,000. It lends to: Salaried, Self-Employed Professional.
What is the processing fee for a HDFC Bank personal loan?
HDFC Bank charges a processing fee of Up to 2.5% (min ₹999), plus 18% GST. It is usually deducted from the loan amount at disbursal.
What CIBIL score is needed for a HDFC Bank personal loan?
HDFC Bank generally looks for a CIBIL score of 700 or more. A score of 750+ improves your chances of getting a lower rate.
How long does HDFC Bank take to disburse a personal loan?
As per HDFC Bank's stated process: Loan disbursed directly to your bank account in under 4 hours. Existing customers with pre-approved offers are usually faster.
Is HDFC Bank regulated by the RBI?
Yes. HDFC Bank is a private sector bank regulated by the Reserve Bank of India.
Compare HDFC Bank with other lenders
Get matched with RBI-registered lenders. Checking offers doesn't affect your CIBIL score.
Figures last reviewed August 2026 and shown for information only. Interest rates, fees and eligibility are set by each lender and depend on your credit profile — confirm the final terms in the lender's Key Fact Statement before you sign. RateCut is a loan marketplace, not a lender.