HDFC Personal Loan

HDFC Personal Loan EMI calculator, Interest Rate, benefits, apply online, features | Apply for HDFC Bank Personal loan online, interest rates, features

HDFC Personal Loan

 

Why HDFC Personal Loan

Housing Development Finance Corporation well known as HDFC Bank is one of the leading Financial and Banking Service Company.  HDFC Bank was incorporated in 1994, since than now it has 4541 Branches and 12013 ATM across India.

HDFC Bank provides a number of Banking product and financial services and Personal Loan is one of them. HDFC Bank is one of the best platforms for the people who required money for your urgent needs. HDFC Personal loan procedure  system is very quick, hassle free and less documentation.

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Features and Benefits of HDFC Personal Loan

  • Special HDFC Bank Personal loan offer for woman employees.
  • Pre approved personal loan of Rs.3 lac for woman.
  • Special loan offer and scheme for co-operate employees.
  • Lowest EMI Rs.2199 per lac.
  • Loan offer for first time applicant also.
  • Less and Easy documentation.
  • Personal loan cover of up to Rs. 8 lac.
  • Loan Tenure for Minimum 12 month.

Interest Rates

Interest rate on HDFC Personal Loan depends on the loan amount you applied for, if the loan amount is higher so there is chance of lesser Interest rates.

If you’re working with a MNC or a Company which is listed with HDFC bank Database so you interest rate will be lesser than others.

Your monthly salary and income source also help you to decide your rate of interest rates.

HDFC Personal Loan EMI Calculator

Get your HDFC Personal loan Approval within 10 minutes through using HDFC Bank online EMI Calculator, the approve amount of Personal loan depend Person to Person. It depends on your salary, age, income source, credit history, CIBIL score Etc. EMI Calculator give you a approx Idea how much will be monthly EMI so you can plan your monthly expenses and budget accordingly  EMI Calculator help to calculate you’re per month EMI at different rate of interest. It also helps you to decide how much EMI you can pay per month after maintaining your monthly expenses and life style.

Apply For HDFC Bank Personal Loan

  • Salaried Person or Self Employed / Professional
  • Age in Between of 21 to 60 years
  • Should be a working from last 2 year
  • A monthly income must be not lesser than Rs.12000.
  • Good Credit history or CIBIL Record

Documentation of HDFC Personal Loan (For Salaried Person)

  • Loan Application Form along with passport size photograph.
  • Identity Proof (Passport Copy / Pan Card / Voter ID / Aadhar Card)
  • Address Proof (Electricity Bill / Rent Agreement / Passport / Utility Bills etc.)
  • Salary Slip or Salary Certificate and Form 16
  • Last 3 month Bank Statement showing your salary credited

 

Documentation of HDFC Personal Loan (Self Employed – Self-Employed Professional)

  • Loan Application Form along with passport size photograph.
  • Identity Proof (Passport Copy / Pan Card / Voter ID / Aadhar Card)
  • Address Proof (Electricity Bill / Rent Agreement / Passport / Utility Bills etc.)
  • For Professional / Self Employed 6 month Bank Statement
  • Last 2 year Income Tax Return
  • Business Proof ( Pan Card of Register Firm/ Tin No . / Service Tax Registration No)

Interest Rate / Charges

Fees Amount to be Paid
Interest Rates Salaried Person – 15.75 % – 20%

Self Employed   – 16.25% – 19.75%

EMI Salaried Person – 2199 per lakh

Self Employed   – 3528 per lakh

Processing Fees For Salaried –

Minimum Rs. 1000.00 or 2.5% of Loan Amount

Maximum 25000

For Self Employed

Minimum 1000.00

Maximum 75000.00

Foreclosure  Charges For Salaried Person

After 12 EMI to 24 EMI 4% of Principal amount

After 25 EMI to 36 EMI 3% of Principal amount

More than 36 Month 2% of Principal amount

For Self Employed

After 6 EMI to 24 EMI – 4%

After 24 EMI                  – 3%

After 36 EMI                  – 2%

NDC/NOC Charges No Charges
Late Payment of EMI 24% per annum on outstanding amount
Switching Fixed to Floating No Charges
Switching Floating to Fixed No Charges
Loan Cancellation Charges No Charges
Cheque Bounce Charges 550 for Each Bounce of Cheque
CIBIL Report Rs. 50 for Each copy
Service Tax As applicable

 

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