Eligibility for Personal Loan:

Minimum Age- 25 Years.
Employed Type- Salaried Only.
Minimum Salary-25000/month.

Apply Form:


Travel the world or have a wedding ceremony that you always desired of with easy EMI from HDFC bank. Get complete assistance from our experts who would handhold you through the entire process of loan approval process. HDFC Bank gives personal loan to borrowers who need funds to meet their urgent requirements. Benefits of taking personal loan from HDFC Bank are:

  • Options to part prepay after 12 EMIs.
  • Higher loan amount eligibility.
  • HDFC is one of the most trusted banks of India with various branches across the country.
  • Lowest interest rate on personal loan from HDFC Bank.
  • HDFC Bank has been one of the highest rate loan providers by customers for its service quality.
  • HDFC Bank offers special schemes and discounts for employees of large companies.

HDFC Personal Loan Interest Rate Calculator

You can get the best personal interest rates from HDFC Bank subject to an assessment of your loan amount, salary, other obligation company you work with and loan tenure. The following factors determine the personal loan rate of interest you can expect to get from HDFC:

Loan Amount:

This is the amount borrowed by a borrower from the bank. Generally banks offer lower interest rates for higher amount. HDFC Bank offers loan between Rs. 50,000 and 50 Lakh.


Income defines your capacity to repay the loan. Higher salary bracket individuals are offered loans at lower interest rates. Interest rate of the bank varies with your net monthly income.

Employer Category:

HDFC Bank has an internal list of companies falling into categories that are ranked from high to low company categories based on company’s size, reputation and existing relationship with the bank. Employees who belong to companies in higher company categories get attractive discounts and low interest rate loans.

Relationship with the Bank :

Bank offers special rates, offers and charges to the existing account holders of the bank. Those who have managed their accounts and made all the payments on time in past will get the benefit of low HDFC Bank loan interest rate.

Loan Tenure:

Personal loans are of shorter tenure ranges from 12 months to 60 months as they are taken to meet their immediate requirements.

Repayment Capacity:

Before giving loan to the borrower, HDFC Bank checks the repayment capacity of the borrower. Bank verifies the repayment capacity of the customer through CIBIL as it has the repayment track record of previous loans taken. CIBIL also captures information of credit card bills payment.

HDFC Bank also offers loan to defense, armed forces and government employees. Personal loan interest rate for government employee and defense personnel varies from private salaried employees.

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