Personal loans are available from HDFC Bank at interest rates ranging from 10.75% to 21.50% per annum. One can pick between a one-year and a five-year payback period. The interest rate charged on the personal loan, on the other hand, will be determined by factors such as the loan amount, the credit score, and so on. HDFC Bank Personal Loan 2021 offers many benefits to employees.
HDFC Bank Personal Loan Highlights
Here are some HDFC Bank Personal Loan highlights that explained loan tenure, loan amount, credit score, interest rates, and more.
| Particulars | Salaried/Self Employed |
| Interest Rate | 10.75% to 21.50% p.a. |
| Processing Fee | 2.50% of the loan amount (Min Rs.2,999 & Max. Rs. 25,000) |
| Loan Tenure | 1 year to 5 years |
| Loan Amount | Rs. 50,000 to Rs.40 lakh |
| Salary/Income | 15,000 onwards (Rs. 20,000 for the applicant of Mumbai, Delhi, Bengaluru, Chennai, Hyderabad, Pune, Kolkata, Ahmedabad, Cochin) |
| Credit Score | Above 750 |
| Lowest EMI per lakh | Rs.2,187 |
| Pre-Payment/Foreclosure Charges |
|
| Overdue EMI Interest | 2% per month on EMI |
HDFC Personal Loans have extremely low-interest rates, as well as exclusive deals and interest rates for HDFC Bank customers. It also has a specific lending program for female employees. Low loan offers will be made to first-time customers. A person’s credit history, such as his payback history on past loans and credit cards, is used to determine eligibility for a personal loan. The application process is quick and involves minimal documentation, and a person can use a personal loan for a variety of purposes.
Features of HDFC Bank Personal Loan
With the help of the key points of HDFC Bank Personal Loan you can avail the loan easily:
- If you are an HDFC Bank customer and apply for a personal loan, the loan amount will be authorized in less than 10 seconds if you match the eligibility requirements. If you are not an HDFC client and have applied for a loan, the loan amount will be credited to your bank account within 4 hours of the loan being approved.
- Visit the official website of HDFC to apply for a personal loan.
- When you take out a personal loan from HDFC Bank, you may safeguard yourself by taking advantage of the bank’s insurance coverage. A personal accident cover of up to Rs.8 lakh and a critical illness cover of up to Rs.1 lakh are available to you. You can claim the cover amount if you are injured in an accident or if you are hospitalized after being diagnosed with a serious disease. The premium amount, including tax and extra costs, will be withdrawn from your loan amount.
- If you take out a personal loan from HDFC Bank as a customer, you will be eligible for a variety of exclusive perks, charges, and offers. If you are taking out a personal loan for the first time from HDFC Bank, you will be able to choose your repayment term and the EMIs you will have to pay will be low and affordable.
HDFC Bank Personal Loan Top-up Loans
Customers who desire additional cash over and above their existing home loan can take advantage of the HDFC Top-up loan option. Customers can increase their existing loan amount or top up their loans up to Rs.50 lakh, whichever is lower. The HDFC Personal loan top-up has an interest rate ranging from 9.15% to 9.65% per annum, and the period is determined by the previous loan.
Eligibility criteria of HDFC Bank Top-Up Loan
Listed below are the key points of HDFC Bank Top-Up Loans:
- To be eligible for a top-up personal loan, you must be between the ages of 18 and 65.
- The applicant must be an Indian citizen.
- Should be either salaried or self-employed.
- You must already have an HDFC Bank home loan.
HDFC Bank Personal Loan Customer Care
Simply dial 1800 425 4332, 1800 22 4060, or 1800 22 1006 from your mobile or landline to contact the bank. The bank officials, with their in-depth knowledge and kind demeanor, are always willing to assist and advise you. You can also call these numbers 24 hours a day, 7 days a week to file a complaint, ask a question, or express your comments.
Conclusion
HDFC Bank Personal Loan helps the user to avail the loan at low-interest rates. It offers flexible repayment tenure, loan amount, and other details for the loan. In this article, you can get information to apply for the HDFC Bank Personal Loan or you can contact HDFC Customer Care Number 2021. On the other hand, you can also connect through Afinoz.com to avail the loan at low-interest rates.
