HDFC bank


Min Salary


Min Loan amount


Min Age


Balance transfer Rate

Personal Loan variants

New Loan

Life is full of unexpected expenses like paying for a wedding, purchasing a car, or a medical emergency. To keep up with these unforeseen expenses, a Personal Loan can be of great help.

Top up loan

sometimes extra funds are required who has already availed of a Personal Loan, applying for a Top Up Loan is considerably easier and can provide significant benefits.

Balance transfer

Lower your Personal Loan EMI by doing a balance transfer to HDFC Bank – Personal Loan Balance Transfer, Interest rates as low as 10.40%* on the existing loan transfer.


  • KYC – PAN Card- Aadhar Card
  • Latest 3 Months payslips
  • Latest 3 months bank statements

Features & Benefits

Quick Approval

Borrowers can get a loan within 4 working days subject to documentation & verification as per bank’s requirement.

Balance Transfer

Lower your Personal Loan EMI by doing a balance transfer to HDFC Bank. Interest rates as low as 10.40%* on the existing loan transfer

No collateral

Personal loans are solely granted on the basis of an individual’s credit-worthiness. No collateral required.

Eligibility Criteria

The following people are eligible to apply for a Personal Loan:

  • Employees of private limited companies, employees from public sector undertakings, including central, state, and local bodies
  • Individuals between 21 and 60 years of age
  • Individuals who have had a job for at least 2 years, with a minimum of 1 year with the current employer. For Top MNC companies employees can have a 6 monthsexperience also acceptable
  • Good Credit History
  • Those who earn a minimum of 20,000 net income per month.