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1 month ago

A short guide to HDFC Personal loan

Mar 20th 2020 at 1:24 AM

When you are looking out for a personal loan, it is essential to know certain things. What will be the rate of interest, what will be monthly instalment and other things? Many banks in India provide an instant personal loan.

When you look at one of the best banks in India, you find, it offers excellent services. SO, today we will tell you everything about HDFC personal loan. Let’s get started.

HDFC personal loan Features

  • You can check eligibility for a loan in less than 5 Minutes.

  • If you are a pre-approved customer, you can get a loan under 10 Seconds.  Other customers can get a loan within 4 Hours.

  • Once approved, you can receive a loan amount within one day.

  • If you any need help, it is 24*7 From HDFC bank.

  • As a borrower, you will have the option to buy option insurance.

  • Special Offer for women

  • Minimal documentation

  • One of the lowest rate of interest

HDFC Personal loan interest rate & other things

Now, it’s time for HDFC personal loan interest rate, loan amount and loan tenure.

Loan amount

Rs 50,000 to Rs 25 Lakhs

Rate of Interest

Onwards 10.75%

Processing fee

Up to 2.5% of the loan amount Excluding GST

Loan tenure

Up to 60 Months or 5 Years

Collateral

NIL

  • On EMI Overdue, 2% charge per month

  • Cheque swapping fee is Rs 500.

  • Lowest EMI is Rs 2,187/- per lakh.

What is the eligibility criteria for HDFC personal loan?

For HDFC personal loan, here are the eligibility criteria you need to know.

  • The applicant age has to be between 21 Years to 60 Years.

  • The applicant minimum salary should be at least Rs 15,000 per month.

  • The applicant needs to have an overall 2 Years of work experience with spending 1 year in the current organization.

  • The applicant should be an employee of a limited private organization or public sector undertakings.

Documents Required for HDFC personal loan

These are the documents you will need to submit.

  • 2 Passport size Photographs

  • Identity Proof( Passport, Driving License, Aadhar Card, Voter Card)

  • Address Proof( Rent Agreement, Utility bill for last 3 Months)

  • ITR for last 2 years

  • Bank statement and salary slips for the last 3 Month

Personal loan EMI Calculator For HDFC

Before you want to take a personal loan, you want to know the monthly EMI Installment. For this, you can use a personal loan EMI Calculator.

TO calculate the EMI, you will need three things. Loan Amount, Interest rate and Loan tenure. Enter them into EMI Calculator, and you will know

How to Apply for HDFC personal loan?

  • First, go to the official website of HDFC bank.

  • Their, choose personal loan option.

  • Click on the apply now.

  • Enter your mobile number and then follow the steps.

  • You will need to submit the required documents.

  • Once you are done with filling an online application, you will receive a call from an HDFC representative.

  • Once the loan amount is approved, you will receive it directly into your bank account.

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