Select HDFC Bank for Availing Personal Loan 2021

HDFC Bank, one of India’s leading suppliers of personal loans, offers the best lending option with a unique set of features and perks. You have a variety of EMI repayment alternatives to fit your budget, including adjustable tenures, an entirely online process, and rapid disbursals. Pre-approved HDFC Bank customers can acquire a Personal Loan in as less as 10 seconds, with no paperwork required. HDFC Personal Loan Interest Rate 2021starting from 10.35% up to 22% offered to the individuals. For more details read the mentioned information given below.  

Features of HDFC Personal Loan  

Check out the key features of HDFC Bank offered to the customers are listed below: 

  • A personal loan does not require any type of collateral or security. 
  • The loan is disbursed the same day it is applied for. 
  • The interest rates on HDFC personal loans range from 10.75% to 21.30% per annum. 
  • Borrowers can choose the ‘Sarv Suraksha Pro’ policy, which includes credit protection, accidental hospitalization coverage, and permanent disability/accidental death protection. 
  • Borrowers can also purchase an optional insurance policy that covers personal accidents and other diseases. 
Particulars  HDFC Bank  ICICI Bank  SBI 
Rate of Interest  Starting from 10.25%  Starting from 10.50%  Starting from 9.60% 
Loan Tenure  12 – 60 months  12 – 60 months  6 – 72 months 
Minimum Age  21 years  23 years  21 years 
Processing Fee  Up to 2.50% Min Rs. 999  Up to 2.25% of Loan Amount  1.00% 
Maximum Loan Amount  Rs. 75 Lakh  Rs. 30 Lakh  Rs. 15 Lakh 
Prepayment charges  Applicable after 12 EMI’s, 2-4%  Not allowed  Not allowed 
Pre-closure charges  Applicable after 12 EMI’s, 2 – 4%  Applicable after 6 EMI’s, 5%  Applicable after 6 EMI’s, 3% 

 HDFC Bank Personal Loan Balance Transfer Interest Rates  

Existing personal loan customers who are paying excessive interest to their current lender would benefit from HDFC Bank’s loan balance transfer service. You can use this service to transfer your existing personal loan to HDFC Bank at a cheaper rate of interest without having to close your account. You should, however, double-check the foreclosure fees you owe to your current lender. 

Eligibility criteria of HDFC Bank Personal Loan  

If you are required to avail instant loan, check the key points of HDFC Bank Personal Loan eligibility criteria: 

  • You should work for a private corporation, a government agency, or a state, federal, or local government body. 
  • You must be a minimum of 21 years and a maximum of 60 years. 
  • The minimum income need for HDFC salary account users is Rs.25,000 per month, while the requirement for others is Rs.50,000 per month. 
  • You should have a minimum of two years of job experience. 

Documents required for HDFC Bank Personal Loan  

Listed below are the essential documents required for HDFC Bank Personal Loan:  

  • Proof of identity: Submit Aadhaar Card, Driving License, Voter ID, or Passport.  
  • Proof of Address: Submit Voter ID, Aadhaar Card, Passport, or Driving License.  
  • Other documents: 
  • Bank statements from the previous three months or a six-month passbook 
  • Form 16  
  • Passport-size photograph 
  • Recent salary slips or salary certificates 

HDFC Bank Customer Care Number  

Customers can call the bank’s customer service department between the hours of 8 a.m. and 8 p.m. on any day of the week with questions, concerns, or complaints about loans (including Sundays). The following are the HDFC Bank Personal Loan Customer Care Number 2021 for various cities.  

Ahmedabad  079 61606161 
Bangalore  080 61606161 
Chandigarh  0172 6160616 
Chennai  044 61606161 
Cochin  0484 6160616 
Delhi and NCR  011 61606161 
Hyderabad  040 61606161 
Indore  0731 6160616 
Jaipur  0141 6160616 
Kolkata  033 61606161 
Lucknow  0522 6160616 
Mumbai  022 61606161 
Pune  020 61606161 

Points to get Low-Interest Rates on HDFC Bank Personal Loan  

By ensuring the following factors, you can get the best HDFC Bank personal loan rate: 

  • Make sure you understand the HDFC Bank personal loan eligibility and documentation criteria ahead of time so you don’t end up paying a higher interest rate as a result of a missing document. 
  • Maintain a decent credit score of 650 or more. 
  • The better your credit score, the more likely you are to acquire a low-interest rate loan. 
  • Always see whether you qualify for an HDFC Bank pre-approved offer, which allows you to acquire rapid loans at the best rates. 
  • Compare interest rates from several lenders to find the best deal. Maintaining a close eye on loan rate patterns, HDFC Bank may provide reduced. 
  • If you earn a big salary and work for a reputable company, make use of it. Employees who work for top companies and earn high wages are eligible for cheaper rates from HDFC Bank interest rates throughout the holiday season.  

Points to submit a complaint at HDFC Bank Official Website  

You can use the bank’s official website to file a complaint, provide feedback, or inquire about products and services by following the steps below: 

  • Visit HDFC Bank’s main website at 
  • At the bottom of the home page, click on ‘Contact Us.’ 
  • On the next page, pick ‘Email us’ from the ‘Queries / Feedback / Complaints’ drop-down menu. 


HDFC Bank offers Personal Loan with the aim to help the user at a low-interest rate. You can compare and select HDFC Bank Personal Loan for the instant requirement of cash and avail of the loan according to your needs. For more details visit or HDFC customer care to avail of the personal loan.