HDFC Bank, one of India's leading private sector banks, offers personal loans designed to meet your financial needs with ease. Whether you need funds for medical expenses, home renovations, travel, or any other personal requirement, HDFC Bank provides quick and hassle-free loans with attractive interest rates and flexible repayment options. With a strong focus on customer convenience, HDFC Bank ensures a seamless loan application process, minimal documentation, and swift disbursal. You can enjoy pocket-friendly EMIs, allowing you to manage your finances efficiently. Read on to explore the benefits, eligibility, interest rates, and application process for HDFC Bank Personal Loan. 

Types Of HDFC Bank Personal Loan

Below are the different types of HDFC Bank Personal loan for 2025. Have a look and learn more about them and their features - 

HDFC Bank Medical Emergency Loan - An HDFC Bank Emergency Loan is a quick personal loan designed to cover unforeseen expenses like medical bills, education costs, or urgent financial needs. It provides instant funds without compromising your existing assets or investments, ensuring a hassle-free solution during emergencies.

• Loan Amount- Rs 50,000 to Rs 40 lakh
• Tenure - 1 year to 5 years

HDFC Bank Personal Loan for Marriage-  HDFC Bank Personal Loan for Marriage is the perfect solution to finance your dream celebration. Whether it's booking the ideal venue, hiring a caterer, selecting a makeup artist, or planning a grand entry, our hassle-free loan helps you manage all expenses smoothly. Enjoy quick approval, attractive interest rates, and flexible repayment options to make your special day truly memorable.

• Loan Amount- Rs 50,000 to Rs 40 lakh
• Tenure  - 12 months to 60 months

HDFC Bank Golden Edge Personal Loan for Elite Customers - The HDFC Bank Golden Edge Personal Loan is a premium offering designed exclusively for select creditworthy customers. Experience elite banking with instant access to high-value funds designed to meet your lifestyle needs. Whether it's a home upgrade, international vacation, medical expense, higher education, or a dream destination wedding, this loan provides the financial flexibility you deserve.

• Loan Amount - 10 lakhs to 40 lakhs

HDFC Bank Personal Loan for Teachers - HDFC Bank Personal Loan for Teachers offers exclusive financial support customized for educators. With quick approvals, competitive interest rates, and flexible repayment options, teachers can easily manage expenses like home renovations, higher education, or personal needs without hassle.

• Loan Amount - Between Rs 50,000 to Rs 40 lakh
• Tenure - 03 Months to 72 Months

HDFC Bank Personal Loan for Home Renovation - Give your home a makeover with HDFC Bank Personal Loan for Home Renovation. Whether upgrading interiors or enhancing property value, our easy loan offers quick approval, attractive interest rates, and flexible repayment options, making home improvement hassle-free.

• Loan Amount- Rs.50,000 - Rs.40,00,000
• Tenure - 1 to 5 years

HDFC Bank Personal Loan for Students -  Pursuing higher education or professional courses can be expensive, but finances shouldn't hold you back. With HDFC Bank Personal Loan for Students, you get quick access to funds for tuition, skill enhancement, or university expenses, ensuring your academic dreams stay on track.

• Loan Amount - Rs.50,000 - Rs.40,00,000
• Tenure - 12 to 60 months

HDFC Bank Personal Loan for Women - Women today are breaking barriers and achieving new milestones in every field. To support their growing financial needs, HDFC Bank Personal Loan for Women offers quick funds for education, travel, weddings, or emergencies. With easy approvals and flexible repayment options, it's designed to empower women financially.

• Loan Amount - Rs 50,000 to Rs 40 lakh
• Tenure - 03 Months to 72 Months

HDFC Bank Personal Loan for Salaried Employees- HDFC Bank Personal Loan for Salaried Employees offers quick and hassle-free financing for medical emergencies, travel, education, weddings, or home renovations. With easy approvals, attractive interest rates, and flexible repayment options, managing unexpected expenses becomes effortless.

• Loan Amount - Rs 50,000 to Rs 40 lakh
• Tenure - 12 months to 60 months

HDFC Bank Personal Loan for Government Employees - HDFC Bank Personal Loan for Government Employees provides quick financial solutions for medical emergencies, travel, weddings, home renovations, and more. Available to employees of PSUs and central, state, and local bodies and helps you manage personal needs with ease.

• Loan Amount - up to Rs 40 lakh
• Tenure - 03 Months to 72 Months

HDFC Bank Xpress Personal Loan - With HDFC Bank XPRESS Personal Loan, you can enjoy the convenience of flexible repayment tenures and affordable EMIs, making it easier to manage your finances without any stress. Fast approval, minimal documentation, and attractive interest rates ensure a smooth and hassle-free borrowing experience.

• Loan Amount - Up to Rs.40 Lakh
• Tenure - up to 5 years

HDFC Bank Golden Edge Personal Loan (for Elite Customers) - The Golden Edge Personal Loan is a premium offering for select, creditworthy customers. Experience exclusive banking with instant access to funds for your lifestyle needs, such as home upgrades, international vacations, medical expenses, higher education, and destination weddings.

• Loan Amount - between 10 lakhs to 40 lakhs
• Tenure - 03 Months to 72 Months

HDFC Personal Loan Interest Rate Details 2025

This table shows you the latest interest rates of HDFC Bank personal loans. Make sure to check properly before applying for it - 

Particulars	Details
Interest Rates	10.85% to 24.00% p.a.
Loan Amount	Up to 40 Lakh
Loan Tenure	12 months to 60 months

HDFC Personal Loan Eligibility Criteria 2025

HDFC offers personal loans based on eligibility criteria. Check your HDFC Personal Loan eligibility criteria below to know about them -

• Age: 21 to 60 years
• Employment:
• Employees of private limited companies
• Employees of public sector undertakings (central, state, and local bodies)
• Work Experience: Minimum 2 years of total work experience, with at least 1 year in the current organization
• Income: Minimum monthly net income of Rs.25,000. 

Documents Required for HDFC Personal Loan

Here is the list of documents that are required for HDFC Bank Personal Loan:

• Identity Proof & Address Proof:
  • Passport
  • Voter ID Card
  • Driving License
  • Aadhaar Card
• Financial Documents:
  • Bank statement of the last 3 months or Passbook for the last 6 months
  • Two latest salary slips or current dated salary certificate
  • Latest Form 16

How to Calculate Your Monthly HDFC Personal Loan EMI?

Curious to know how much loan amount you are eligible to get? Well, all you need is to know the Personal Loan Eligibility Calculator. That’s Right! This smart and well-designed tool lets you know the exact amount you can get from a lender, depending on your eligibility. After taking into consideration your Income, Combined Monthly Loan EMIs, Combined Outstanding on Credit Card, etc, the device evaluates your personal loan eligibility. The ease of this online tool makes many loan-seekers use it these days.

For Eg, Here is an example of a different EMI on the Personal Loan EMI Calculator with a loan tenure of up to 5 years with a personal loan of Rs. 25,00,000 and interest rates ranging from 10.85% to 24.00% p.a. To calculate your monthly EMI, you can get help with the Wishfin HDFC Bank Personal Loan EMI Calculator.

You just need to enter three elements - 

1. Loan Tenure 
2. Loan Amount 
3. Personal Loan Interest Rate

Tenure (In Years)	EMI (at 10.85% interest rate)	EMI (at 24.00% interest rate)
1	Rs.2,20,779.27	Rs.2,36,398.99
2	Rs.1,16,345.57	Rs.1,32,177.74
3	Rs.81,669.32	Rs.98,082.13
4	Rs.64,431.85	Rs.81,504.59
5	Rs.54,169.23	Rs.71,919.91

HDFC Personal Loan Processing Fee and Charges

The below-mentioned table contains some of the important fees and other charges applicable to Personal Loan by HDFC Bank -

Processing Fees	Up to Rs. 6,500/- + GST
Foreclosure Charges	Up to 4% on the principal outstanding + GST
Repayment Mode	ECS, AD, or PDC
Stamp Duty	At actuals (Per applicable state laws)
Repayment mode change charges	Rs. 500/-
Payment Return Charges	Rs. 450 Per Instance
Loan rebooking charges	Rs. 1000/- + applicable government taxes

Prepayment Facility

The bank also offers a prepayment facility to help the customers pay off the entire outstanding or a part of it. If you have a surplus amount of money in hand and meet the below criteria, then you can pay a part of your principal outstanding amount to reduce the same. This will also reduce the interest accumulated on the principal amount. Know more about this facility below.

Note:

• Prepayment will be allowed a maximum of twice during the entire tenure of the loan.
• Prepayment is allowed only once a year.
• At any point in time, the prepayment will not exceed 25% of the Principal Outstanding. 

HDFC Personal Loan Prepayment Charges (for full payment)

• 4% of principal outstanding - Repayment tenure of up to 24 EMIs.

• 3% of principal outstanding - Repayment tenure of 24 to 36 EMIs.

• 2% of principal outstanding - Repayment tenure of more than 36 EMIs.

Points to Note:

• Premature Closure Charge will be applicable on the principal outstanding amount of the loan.
• GST and other government taxes and levies, as applicable from time to time, will be charged additionally.

HDFC Personal Loan Prepayment Charges (for partial payment)

• 4% of part payment amount - Repayment tenure of Post 01 to 24 EMIs

• 3% of part payment amount - Repayment tenure of Post 24 to 36 EMIs.

• 2% of part payment amount - Post 36 EMI repayment

Points to Note:

• Partial Premature Closure Charges apply on the part payment amount.
• Partial payments are allowed up to 25% of the principal outstanding, once per financial year and twice during the loan tenure.
• GST and applicable government taxes/levies will be charged additionally.

Note: Prepayment charges have now been renamed to Premature Closure Charges.

HDFC Personal Loan Top Up

If you already have an HDFC personal loan running and need some extra funding urgently apart from your existing loan, you can apply for an HDFC Personal loan top-up. Yes, the bank offers this top-up facility, wherein the existing personal loan borrowers can avail of a top-up loan apart from their current running loan. 

Customers can only avail of this facility within six months of completion of the loan, and if the customer has opted for a Moratorium for internal or external payments, in that case, the customer can’t avail of this facility.

Features of HDFC Personal Loan Top-Up

These are some of the features of HDFC Bank personal loan Top - Up:-

• Easily Available: Customers with pre-approved Personal Loan offers can access funds in just 10 seconds, while other applicants can receive their loan in under 4 hours.
• Apply Online: HDFC Bank makes it easy to apply for a Personal Loan online in just a few simple steps.

How to Apply Online for HDFC Personal Loan at Wishfin?

The application process for HDFC personal loans is simple and quick. A loan seeker can apply in four simple steps from the safety and comfort of your home.

• Step 1: A person should visit Wishfin’s website, www.wishfin.com, and fill in the loan application form with his personal, professional, and financial details as mentioned in the form and submit the form.
• Step 2: Once you are done with the submission of the form, you will get a soft approval from the bank with the eligible amount you can avail.
• Step 3: To get a hassle-free personal loan, a borrower must keep the required documents ready by the time he/she applies.
• Step 4: Once the above steps are completed, upload your documents and get the instant loan amount into your account while sitting at your home.

How is HDFC Personal Loan different?

HDFC Bank offers personal loans for all kinds of financial needs, be it personal or professional. Here are some of the main reasons why HDFC bank personal loans are different from others:

• Minimal Documentation: Keeping in mind the convenience of the customers, HDFC Bank personal loans require minimal documentation.
• Attractive Rate of Interest: With a starting interest rate of 11.00% per annum, its personal loan interest rates are one of the lowest in the market.
• Special Offers for Women Applicants: For a personal loan to women applicants, HDFC Bank offers a specialized scheme, the Personal Loan Diva Scheme. Under this scheme, a woman applicant gets the facility of pre-approved personal loans amounting to Rs. 3 lakh along with various premium brands and products.
• Free Insurance Cover: Personal loans of HDFC Bank come with an add-on benefit of a personal accident cover of up to Rs. 8 lakh, along with a critical illness cover of Rs. 1 lakh without any extra charges.

HDFC Personal Loan Status

Applied for a personal loan at HDFC Bank? Anxious about where your application is? Know the status of the loan application by clicking the link ‘Track My Application.’ Once the link opens, you need to enter details like the applicant’s name, loan reference number, and date of birth. Subsequently, the loan application status will flash on the screen. It could either show approved, about to approve, or pending approval due to document discrepancy or any other reason.

HDFC Personal Loan Login

If you want to log in to your account, you need to first log in to the HDFC website. After logging, you can easily check your loan account and its credentials from anywhere at any time. You can keep track of every aspect of your personal loan journey by getting all the details online. Isn’t it amazing?

HDFC Loan Statement Online

Many borrowers often worry about their loan statements. They always have a query-How Can I Get an HDFC Bank Statement? Don’t worry; you can read the page below and know how to do it.

HDFC Bank sends the monthly statement to all its loan account holders via email. Once you receive your monthly statement, you can quickly review all your account details. Make sure your mail ID is registered with the bank so that you can enjoy uninterrupted services and keep receiving the statements in your email.

HDFC Personal Loan Payment

Applied for an HDFC Personal Loan but don’t know how to make the loan payments? Well, you just need to get the ECS activated on your account. This electronic mode of payment will automatically deduct the required monthly installment amount from your account so that you don’t need to bother about timely payments. Ensure you have the required sum in your account so that the installments are paid on time.

HDFC Bank Personal Loan Customer Care Number (India)

HDFC Bank Helpline Numbers -

• 1800 1600  /  1800 2600

Customers traveling abroad -

•  +9122 61606160

Customers with Imperia Account, Diners Black Credit Card, and Infinia Credit Card can contact the dedicated Customer Care Number -

• +91 22 61717606

Conclusion

HDFC Bank Personal Loan offer a flexible and convenient solution to meet your financial needs. With competitive interest rates, quick disbursal, and minimal documentation, these loans provide financial freedom for various purposes—be it medical emergencies, education, travel, home renovations, or weddings. The simple online application process, along with the option for pre-approved loans and rapid disbursal, ensures that your financial goals are met without hassle. With repayment tenures tailored to suit your needs and transparent charges, HDFC Bank Personal Loan is a reliable option to manage your expenses effectively.

Grievance Redressal Details: https://www.hdfcbank.com/personal/need-help/contact-us

For accessing APR Calculator Navigate to Loans section on the page: https://www.hdfcbank.com/personal/tools-and-calculators

RBI Sachet Portal:- https://sachet.rbi.org.in/

HDFC Bank Important Links: – https://www.hdfcbank.com/personal/useful-links/important-messages/product-features-and-policy