HDFC Personal Loan 2026 – Apply Online, Interest Rate, EMI Calculator, Eligibility & Benefits

HDFC Personal Loan 2026 HDFC Personal Loan is one of the best instant personal loan options in India, offering quick approval, low interest rates, and flexible repayment options. Whether you need funds for medical emergencies, marriage, travel, education, debt consolidation, or home renovation, HDFC Bank provides a 100% paperless and fast personal loan solution.

HDFC Personal Loan Highlights

• Loan Provider HDFC Bank
• Loan Type Unsecured Personal Loan
• Loan Amount ₹50,000 to ₹40 Lakhs
• Interest Rate Starting from 10.85% p.a.
• Loan Tenure Up to 6 Years (72 Months)
• Processing Fee Up to 2.5% + GST
• Approval Time Within 10 Minutes*
• Disbursal Same / Next Working Day
• Application Mode Online

What is HDFC Personal Loan?

An HDFC Personal Loan is an unsecured loan, meaning no collateral or guarantor is required. You can use the loan amount for any personal or professional purpose without restrictions.

HDFC Bank offers instant personal loans for:

• Salaried employees
• Self-employed professionals
• Business owners

HDFC Personal Loan Interest Rates (2026)

• Starting Interest Rate: 10.85% per annum
• Maximum Interest Rate: 21% per annum

HDFC Personal Loan EMI Example

• ₹2,00,000 3 Years
• ₹5,00,000 5 Years
• ₹10,00,000 5 Years

Eligibility Criteria for HDFC Personal Loan

• Age: 21 to 60 years
• Minimum monthly income: ₹25,000
• Work experience: Minimum 2 years
• Employment with reputed company

For Self-Employed Individuals

• Age: 21 to 65 years
• Stable business income
• Minimum 3 years business continuity

Documents Required for HDFC Personal Loan

• Aadhaar Card
• PAN Card
• Address Proof
• Salary Slips (Last 3 months)
• Bank Statement (Last 6 months)
• ITR (For self-employed)
• Passport size photo

How to Apply Online for HDFC Personal Loan?

• Visit HDFC Bank official website
• Select Personal Loan
• Click Apply Online
• Enter personal & income details
• Upload documents
• Check eligibility & EMI
• Get instant approval
• Loan amount credited to bank account

HDFC Personal Loan Charges & Fees

• Processing Fee Up to 2.5% + GST
• Prepayment Charges 2% – 4%
• Late Payment Fee As per bank policy
• Foreclosure Charges Applicable

HDFC Personal Loan Credit Score Requirement

• Minimum CIBIL Score: 700+
• Higher score = Lower interest rate
• Good repayment history improves approval chances

HDFC Personal Loan vs Other Banks

• HDFC Bank 10.85% – 21%
• ICICI Bank 11.25% – 22%
• Axis Bank 11.50% – 24%
• SBI 11.45% – 16%

Frequently Asked Questions (FAQ)
Q1. How fast is HDFC Personal Loan approval?

• Approval can be done within 10 minutes for eligible applicants.

Q2. Is collateral required?

• No, it is a 100% unsecured loan.

Q3. Can I prepay my HDFC Personal Loan?

• Yes, after 12 EMIs, prepayment is allowed

Q4. What is the maximum loan amount?

• Up to ₹40 Lakhs, subject to eligibility.