All LendersHDFC Bank
H
Bank
4.5
HDFC Bank
Personal Loan
India's largest private lender with instant digital disbursal.
HDFC Bank offers pre-approved personal loans up to ₹40 lakh with disbursal in as little as 10 seconds for existing customers. Ideal for salaried professionals with CIBIL 750+.
Loan Snapshot
Interest Rate
10.5%
up to 21%
Processing Fee
0.5%
up to 2.5%
Max Loan
₹40.00 L
up to 72 months
Min Credit Score
750
Income ₹25K+/mo
EMI Calculator
HDFC Personal Loan EMI Calculator
Calculated at HDFC's starting rate of 10.5% p.a.
₹5,00,000
36 months
Monthly EMI
₹16,251
Total Interest
₹85.0K
Total Payable
₹5.85 L
Breakdown
Principal vs Interest
Principal₹5,00,000
Interest₹85,044
Eligibility
- Age 21-60 (retirement)
- Minimum net monthly income ₹25,000
- Salaried at listed company or Govt.
- CIBIL score 750+
Documents Required
- PAN Card
- Aadhaar Card
- Last 3 months salary slips or ITR
- Bank statements (6 months)
- Passport-size photograph
Pros
- 10-second approval for pre-approved customers
- No collateral required
- Doorstep document pickup
Watch out for
- Higher rates for non-salaried
- Strict CIBIL cut-off
Key Features
Instant disbursalNo collateralFlexible tenurePre-approved offers
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