Welcome to HDB Finance Personal Loan

HDB Financial Services Limited is a subsidiary company of HDFC Bank. HDB bank work with people to structure a loan solution based on your requirements and also the employees of HDB bank assist on all documents at your doorstep. Dedicated service for all kind of loan and conditions. HDB has given support and guidance to grow professionally. The openwork culture encourages sharing ideas to contribute to the growth of the organisation. It's a great feeling to be part of HDB. The company's long term vision and strong values make it a great place to work. HDB is a fast growing organisation.

Features and Benefits of HDB Finance personal loan

• Loan up to Rs 10 lakhs.
• Simple Documentation
• Speedy Processing
• Easy Repayment through EMIs
• No guarantor/security required.
• Convenience of doorstep service
• Special offer for employees of selected companies.

HDB Finance personal loan interest charges

Service type	Interest rate
Interest rate	18% to 33%
Loan Processing charges	Up to 3.00% of loan amount
Cheque/ECS bounce Charges	Rs. 750 per bounce
Charges for Late Payment of EMI	3% per month on overdue EMI amount
PDC/ECS Swap Charges	Rs. 750 per swap
Statement of Account Charges	Rs. 500/-
Document Retrieval Charges	Rs. 750/-
Additional Repayment Schedule	Rs. 500/-
Loan Cancellation Charges	Rs. 1000/-
Pre-Closure Charges	2% - 4%

Eligibility for Salaried Individual

• Minimum age of Applicant should be 21 years
• Maximum age of Applicant at loan maturity should be of minimum 60 years
• Minimum employment is minimum 2 years in employment and minimum 1 year in the current organization
• Minimum Net Monthly Income should be Rs. 20,000/- for metro location and Rs 15,000/- for non metro location.

Eligibility for Self Employed Professionals

• Minimum age of Applicant should be 21 years for
• Maximum age of Applicant at loan maturity should be 65 years
• Years in profession should be minimum 4 years with at least 2 years in the same business
• Minimum Annual Income should be above Rs. 100000/- p.a. for metro location and Rs 75000/- for non metro location

Eligibility for Self Employed Non Professionals

• Minimum age of Applicant should be above 25 years
• Maximum age of Applicant at loan maturity should be above 65 years
• Years in business should be minimum of 4 years from commencement of business.
• Business should be profit making for the last 2 years.
• Minimum Annual Income should be above Rs. 100000/- p.a. for metro location and Rs 75000/- for non metro location

Documents required to process HDB Finance Personal Loan

• Proof of Identity (Passport Copy/ Voters ID card/ Driving License)
• Address Proof (Ration card Tel/Elect. Bill/ Valid Rental agreement. / Passport copy/Driving License)
• Bank Statements (latest 3 months bank statement )
• Last 3 months salary slip or current dated salary certificate with latest Form 16
• Latest ITR along with computation of income, B/S & P&L a/c for the last 2 yrs. certified by a CA
• Qualification proof of the highest professional degree
• Proof of continuation (Trade License /Establishment /Sales Tax certificate)