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Apply HDFC Personal Loan at lowest Rate of interest - HDFC bank instant personal loan

About HDFC Bank

HDFC bank is one of the leading financial and banking companies in India, headquartered in Mumbai. 76,286 employees work under this organization including 12,680 women and it has its other branches in Bahrain, Hong Kong, and Dubai. HDFC bank stands second largest banking and financial services in India according to their assets. HDFC bank offers various services and products including Personal loan, Home loan, Car loan, Credit card etc.

HDFC bank is a pioneer in providing personal loan with lowest interest rate, instant approval and quick disbursment of personal loan. HDFC bank provides personal loan those who are looking for personal loan first time. Get HDFC bank personal loan to fulfill your requirement with minimum documentation, calculate your monthly EMI with HDFC bank EMI calculator.

Eligibility to apply HDFC Bank Personal Loan in Bangalore

Anyone can apply for the personal loan in HDFC bank; the loan applying procedure is very simple. The documentation work is very simple and less but at the same time, you can get the loan quickly. You can easily apply online to get the personal loan from HDFC bank.

Salaried employees, doctors, employees of the public or private sector and employees of government sector will come under the HDFC bank personal loan eligibility. The applicant must be above 21 and below 60 years of age and they should earn the minimum monthly income of Rs. 15,000/-.

You can quickly get approval for the personal loan in HDFC bank up to rupees 15, 00,000. If you are an existing bank customer or customer of an auto loan with a clear repayment of 12 months and above, you can instantly get the free personal loan without your income document.

How to apply HDFC bank personal loan in Bangalore

Applying the HDFC bank personal loan is very easy. You can easily get the approval for the personal loan within 5 minutes. The HDFC bank personal loan interest rate are very reasonable, it also offers special facilities for the HDFC bank account holders, salaried, self-employed and women borrowers. You can easily get the personal loan for medical emergency, traveling, foreign vacation, marriage, renovation of a house, buying the property or for any other personal purposes. You can apply for personal loan in HDFC bank at anytime and anywhere.

How to apply personal loan
HDFC Bank personal loan interest rate in Bangalore as on
Service type Interest rate
Rack Interest rates 11.49%-18% for salaried
Loan Processing charges Up to 2.5% of the loan amount subject to a minimum of Rs.1000/- and maximum of Rs. 25000/- for salaried
Prepayment No prepayment permitted until repayment of 12 EMIs for salaried
Pre payment Charges For salaried: 13-24 months- 4% of the Principal Outstanding
25-36 months- 2% of Principal Outstanding > 36 months-Nil
Charges for the late payment of EMI 24% per annum on amount outstanding from the date of default
Cheque bounce charges Rs. 450/- per cheque bounce
Required documents to apply HDFC Bank Personal Loan in Bangalore
  • Identity Proof: copy of passport/voter ID card/ driving license
  • Address Proof: Copy of ration, telephone or electricity bill/rental agreement/passport
  • Bank statement for last 3 months/passbook for last 6 months
  • Latest salary slip / current dated salary certificate with latest form 16
Features of HDFC bank personal loan
  • HDFC bank personal loan provides special offers, charges and interest rates for the HDFC bank account holders
  • The HDFC personal loan rate of interest is very flexible and they offer special rate of interest for the women borrowers
  • HDFC bank offers easy documentation process with 100% transparency
  • Quick loan approval within 10 seconds
  • Easy loan repayment options ranging from 12 to 60 months
  • No hidden charges, reasonable and lowest processing fee and offer convenient repayment options
  • Offers loan easily for the first time loan borrowers

HDFC Bank Personal loan bangalore customer reviews

  • Completely coordinated the loan disbursement and I never experienced problem in dealing with HDFC bank personal loan. Entire loan process was very good.
    Siddharth Jain

  • I have taken the HDFC bank personal loan and I got less interest rate and cash back offer. The executive service was very good and it is very helpful in coordinating with the bank. The entire personal process gone very fast and the things got approved as planned perfectly very good job.
    Venkateshwara R Chintala

  • HDFC personal loan Availed in Sep 2016 The service was extremely awesome, my personal loan dispersed quickly.
    Rahul Bisht

  • It was very helpful for us to know the market information on the rate of interest, processing fee and other benefits.
    Harish Podila

  • Overall experience was very good HDFC bank and customer support was awesome, Thank you.
    Ramamoorthy Munusamy

  • Interest rate Processing fee and other charges are very good and supported me well in getting the personal loan. Thanks.
    Yaiyai Thoudam

  • The response of the representatives in getting the HDFC personal loan was amazing and the overall response was very good.
    Sai Charan

  • HDFC personal Loan guidance from the bank was amazing and the bank offered best interest rate. I got immediate response for my personal loan from the bank representatives.
    Ganesh Kumar

  • The HDFC bank personal loan service is just and helped me lot in getting the loan faster with good interest rate for my personal purpose. Thank you HDFC bank personal loan.
    Ajaya Kumar

  • Amazing customer service and good follow up from bank and given proper guidance. Excellent service by the bank, even I’ll prefer my friend about the HDFC bank personal loan.
    Anupam Sinha

  • Excellent service has been provided by the executive team of HDFC bank, very cooperative and helpful in entire process. I got best interest rates with fully satisfied service from the bank.
    Manjunath.S

  • I took personal loan from HDFC bank through PLB, i truly experienced honest service from PLB team. I like the way they interacting with the customers and fulfillment of commitments. I got my personal loan in HDFC bank in just 3 days.
    Shruthi, first source solutions

  • You people were really awesome. It is well organised and taking care of customers is really cool, thanks for my personal loan approval in HDFC bank at less rate of interest.
    Faizan sharieff, Mercury car rentals pvt ltd

  • Myself Brijesh Mishra from Bangalore, thanks to personal loan bangalore to avail my loan experience delightful in HDFC bank. Overall good team effort from PLB executives.
    Brijesh Mishra

  • Effective and transparent service from PLB team. I applied personal loan from HDFC bank and got approved in just 2 days with low rate of interest and processing fee of just 0.5%.
    Annie Mary, New Era India Consultancy Pvt Ltd

Frequently Asked Questions(FAQ)

HDFC Bank Frequently Asked Questions(FAQ)

What is a Personal Loan?

As the name clearly suggests, personal loan is when you seek the assistance of a bank or any other financial institution to borrow cash for your immediate personal use. The core purpose of seeking a personal loan in Bangalore or anywhere else is to facilitate the cash flow to take care of the expenses. The biggest advantage of applying for personal loan is that the applicant need not keep a collateral security with the bank. It is easily available. You can apply for a personal loan in the range of Rs. 15, 000- Rs. 50 lakhs. The HDFC personal loan in Bangalore is available with a repaying period of 1-5 years.

What are advantages of HDFC Bank Personal Loan?

When you are applying for HDFC Bank personal loan in Bangalore, here are the advantages that you get

  • No security needed
  • Hassle free application procedure
  • Flexible loan tenure that makes it comfortable for you to payback at a convenient time
  • Large loan amounts are easily approved
What is the amount of personal loan one can get in HDFC Bank in Bangalore?

As is the case with any type of loan, the amount being granted to the applicant depends exclusively on the payment capability of the individual. Depending on the financial status of the borrower, the bank is capable of granting a personal loan of up to 50 lacs.

What is the tenure and interest rates of the HDFC Bank personal loan in Bangalore?

The tenure for HDFC personal loan varies from one year to five years. The rate of interest also varies from time to time so it is best advised to talk to the bank’s representative to get a clear idea.

What are the charges applicable for HDFC Bank personal loan in Bangalore?

Usually, the other banks apply a fee of 05%-2.5% as processing charges for clearing personal loan application. However, HDFC processes personal loan applications without taking any processing charges.

What are the eligibility criteria for HDFC Bank personal loan in Banglaore?

The eligibility criteria for personal loan are not very stringent. You need to have a source of income either from employment or from property so that the repayment of the loan is possible and you need to be below 60 years of age while applying for the loan. Also, these rules differ for salaried and self-employed.

How to choose the best personal loan in Bangalore?

Choosing the best personal loan is not easy. You need to invest time and effort to go through the various options. While there is no sacrosanct set of rules that you can refer to when choosing personal loan, one simple trick is to compare the HDFC personal loan interest rate with other banks. You can also compare the processing fees and other charges. Needless to say, applicants will realize that HDFC offers them the best possible deal.

What are the documents required for HDFC Bank personal loan in Bangalore?

Ideally, the bank’s representative will walk you through the entire process and also help you put the documents together before your file is submitted. However, here are some of the documents that you will need to be ready with when applying for personal loan.

  • Identity proof
  • Current / permanent residence address proof
  • Salary slip for 3 months
  • 3 -6 months Bank Statements
  • Appointment letter and proof of work experience
  • Photograph and PAN card photocopy
  • Education proof
  • Employment proof
  • IT returns
How to check personal loan application status in hdfc bank?

You can easily check the HDFC bank personal loan status online. You can easily get all the latest updates of the HDFC bank online. You can go through the HDFC bank customer reviews online to know more about the smart services and offers in HDFC bank. HDFC bank is a very friendly bank that offers exciting facilities to the loan borrowers.

Click here to view the status of your HDFC bank Personal Loan application.

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