HDFC Personal Loan 2026 HDFC Personal Loan is one of the best instant personal loan options in India, offering quick approval, low interest rates, and flexible repayment options. Whether you need funds for medical emergencies, marriage, travel, education, debt consolidation, or home renovation, HDFC Bank provides a 100% paperless and fast personal loan solution.
HDFC Personal Loan Highlights
- Loan Provider HDFC Bank
- Loan Type Unsecured Personal Loan
- Loan Amount ₹50,000 to ₹40 Lakhs
- Interest Rate Starting from 10.85% p.a.
- Loan Tenure Up to 6 Years (72 Months)
- Processing Fee Up to 2.5% + GST
- Approval Time Within 10 Minutes*
- Disbursal Same / Next Working Day
- Application Mode Online
What is HDFC Personal Loan?
An HDFC Personal Loan is an unsecured loan, meaning no collateral or guarantor is required. You can use the loan amount for any personal or professional purpose without restrictions.
- Salaried employees
- Self-employed professionals
- Business owners
HDFC Personal Loan Interest Rates (2026)
- Starting Interest Rate: 10.85% per annum
- Maximum Interest Rate: 21% per annum
HDFC Personal Loan EMI Example
- ₹2,00,000 3 Years
- ₹5,00,000 5 Years
- ₹10,00,000 5 Years
Eligibility Criteria for HDFC Personal Loan
- Age: 21 to 60 years
- Minimum monthly income: ₹25,000
- Work experience: Minimum 2 years
- Employment with reputed company
For Self-Employed Individuals
- Age: 21 to 65 years
- Stable business income
- Minimum 3 years business continuity
Documents Required for HDFC Personal Loan
- Aadhaar Card
- PAN Card
- Address Proof
- Salary Slips (Last 3 months)
- Bank Statement (Last 6 months)
- ITR (For self-employed)
- Passport size photo
How to Apply Online for HDFC Personal Loan?
- Select Personal Loan
- Click Apply Online
- Enter personal & income details
- Upload documents
- Check eligibility & EMI
- Get instant approval
- Loan amount credited to bank account
HDFC Personal Loan Charges & Fees
- Processing Fee Up to 2.5% + GST
- Prepayment Charges 2% – 4%
- Late Payment Fee As per bank policy
- Foreclosure Charges Applicable
HDFC Personal Loan Credit Score Requirement
- Minimum CIBIL Score: 700+
- Higher score = Lower interest rate
- Good repayment history improves approval chances
HDFC Personal Loan vs Other Banks
- HDFC Bank 10.85% – 21%
- ICICI Bank 11.25% – 22%
- Axis Bank 11.50% – 24%
- SBI 11.45% – 16%
Frequently Asked Questions (FAQ)
Q1. How fast is HDFC Personal Loan approval?
- Approval can be done within 10 minutes for eligible applicants.
Q2. Is collateral required?
- No, it is a 100% unsecured loan.
Q3. Can I prepay my HDFC Personal Loan?
- Yes, after 12 EMIs, prepayment is allowed
Q4. What is the maximum loan amount?
- Up to ₹40 Lakhs, subject to eligibility.
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