HDFC Bank Personal Loan Apply

HDFC Bank Personal Loan Apply: एचडीएफसी पर्सनल लोन 11.00% प्रति वर्ष की दर से उपलब्ध है। 6 साल तक की अवधि के लिए 40 लाख रुपये तक की ऋण राशि के लिए। एचडीएफसी बैंक केवल 10 सेकंड में तत्काल ऋण संवितरण के साथ, एचडीएफसी बैंक ग्राहकों का चयन करने के लिए एचडीएफसी एक्सप्रेस पर्सनल लोन, एक पूर्व-अनुमोदित तत्काल व्यक्तिगत ऋण भी प्रदान करता है। अन्य बैंकों और एनबीएफसी के मौजूदा व्यक्तिगत ऋण उधारकर्ता भी अपने बकाया व्यक्तिगत ऋण को कम ब्याज दरों पर एचडीएफसी बैंक में स्थानांतरित करने के लिए एचडीएफसी बैंक व्यक्तिगत ऋण का लाभ उठा सकते हैं।

HDFC Bank Personal Loan Apply-Overviews

Apply for Personal Loan Online at Lowest Interest Rate | HDFC Bank
WWW.BHARATJOBRESULT.COM
Name OF Bank HDFC Bank
Article Name HDFC Bank Personal Loan Apply
Category Bank Loan
Apply Mode Online
Location All India
Official Site www.hdfcbank.com

HDFC Bank Personal Loan Highlights

Interest Rate 11.00% p.a. onwards
Loan Amount Up to Rs 40 lakh
Tenure Up to 6 years
Minimum Monthly Salary Rs 25,000
Processing Fee Up to Rs 4,999
Pre-approved instant personal loan Offered to select customers of HDFC Bank with loan disbursal in 10 seconds
Pre-closure Charges Allowed if borrower has paid at least 12 EMIs.For salaried:

  • 4% of principal outstanding (13-24 months)
  • 3% of principal outstanding (25-36 months)
  • 2% of principal outstanding (After 36 months)
Part-payment Fees Allowed if borrower has paid at least 12 EMIs.For salaried:

  • 4% of principal outstanding (13-24 months)
  • 3% of principal outstanding (25-36 months)
  • 2% of principal outstanding (After 36 months)
Documentation
  • Proof of Identity
  • Proof of Address
  • Bank statements (last 3 months)
  • Salary slips (latest)

HDFC Bank Personal Loan Processing Fees and Charges

Fees Charges
Processing Charges Up to Rs 4,999
Stamp Duty and other statutory charges As per the laws of the state
Overdue EMI Interest 2% per month on EMI/principal overdue
Legal/Incidental Charges At actuals
Amortization Schedule Charges Rs 200
Cheque Swapping Charges Rs 500
Cheque Bounce Charges 1st return at Rs 450 + taxes2nd in a month Rs 500 + taxes

3rd onwards Rs 550 + taxes

10% discount for senior citizens

Rs 550 per cheque bounce

Loan Cancellation Charges Rebooking Charges NIL Rs 1000
Pre-payment in Part/Full NIL until repayment of 12 EMIs (salaried)Part-payment allowed up to 25% of Principal Outstanding. It is allowed once in the financial year and twice during the loan tenure.
Pre-payment Charges on Principal Outstanding/Part Payment Charges Salaried:13-24 months- 4% of outstanding principal

25-36 months- 3% of outstanding principal

>36 months- 2% of outstanding principal

HDFC Bank Personal Loan Eligibility

  • Private sector employees, public sector employees, and employees of central, state and local bodies
  • Age: 21-60 years
  • Applicants with at least 2 years of work experience, and 1 year with the current employer
  • Minimum net monthly income: Rs 25,000
  • Additionaly, HDFC personal loan eligibility may also depend on the credit score of its personal loan applicants.

Know more about personal loan eligibility of top banks and NBFCs

Documents Required for HDFC Bank Personal Loan

  • ID Proof (Aadhaar card/driving license/voter ID/passport)
  • Address Proof (Aadhaar card/driving license/voter ID/passport)
  • Bank statement for past 3 months (updated passbook for last 6 months)
  • Latest salary slips/latest salary certificate with Form 16

Also know about HDFC Personal Loan Documents in detail

Types of HDFC Bank Personal Loan

Marriage Loan

  • उद्देश्य: विवाह संबंधी खर्चों को पूरा करने के लिए मैरिज लोन की पेशकश की जाती है
  • ऋण राशि: 50,000 रुपये से 40 लाख रुपये
  • कार्यकाल: 1- 5 वर्ष
  • प्रसंस्करण शुल्क: वेतनभोगी ग्राहकों के लिए न्यूनतम रु. 1,999 और अधिकतम रु. 25,000 के अधीन ऋण राशि का 2.50% तक

Travel Loan

  • उद्देश्य: उधारकर्ता के यात्रा व्यय को पूरा करना
  • ऋण राशि: 40 लाख रुपये तक
  • कार्यकाल: 5 वर्ष तक
  • प्रसंस्करण शुल्क: वेतनभोगी ग्राहकों के लिए न्यूनतम रु. 1,999 और अधिकतम रु. 25,000 के अधीन ऋण राशि का 2.50% तक

Debt Consolidation Loan

  • उद्देश्य: ऋण समेकन के लिए व्यक्तिगत ऋण एक ऋण पुनर्वित्त सुविधा है जो मौजूदा उधारकर्ताओं को उनके मौजूदा ऋणों/क्रेडिट कार्ड की बकाया
  • राशि को ब्याज की उच्च दर पर चुकाने के लिए उनके कर्ज के बोझ को कम करने के लिए दी जाती है।
  • ऋण राशि: 40 लाख रुपये तक
  • कार्यकाल: 5 वर्ष तक
  • प्रसंस्करण शुल्क: वेतनभोगी ग्राहकों के लिए न्यूनतम रु. 1,999 और अधिकतम रु. 25,000 के अधीन ऋण राशि का 2.50% तक

HDFC Personal Loan for Home Renovation

  • उद्देश्य: घर की मरम्मत के लिए पर्सनल लोन, घर की मरम्मत से जुड़े खर्चों जैसे कि किचन रीमॉडेलिंग, पुराने फर्नीचर को बदलना, स्प्रूसिंग, बिजली के तारों में बदलाव और नए जुड़नार और फिटिंग की स्थापना जैसे खर्चों को पूरा करता है
  • ऋण राशि: 40 लाख रुपये तक
  • कार्यकाल: 5 वर्ष तक
  • प्रसंस्करण शुल्क: वेतनभोगी ग्राहकों के लिए न्यूनतम रु. 1,999 और अधिकतम रु. 25,000 के अधीन ऋण राशि का 2.50% तक

FAQs

1. How long does it take the HDFC Bank to disburse a personal loan?

Ans. HDFC Bank usually disburses personal loan within 4 working days from the date of application. It also offers pre-approved instant personal loans to select customers where the funds are disbursed in just 10 seconds, with no documentation.

2. Can having a salary account with HDFC Bank help in availing Personal Loan?

Ans. Having a salary account, savings account or any other deposit or lending relationship with HDFC Bank may help you to avail Personal Loan from HDFC Bank at lower interest rates. However, the bank will also consider factors like your geographic location, monthly income, existing loans, credit score, employer’s profile, etc. while evaluating your personal loan eligibility.

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