HDFC Bank Personal Loan in Bengaluru

HDFC Bank Personal Loan Bengaluru Interest Rate

The important details about a personal loan offered by HDFC bank in the city have been given below.

ParticularDetails
Interest rate11.25% - 21.50%
Loan amountUp to ₹ 15 Lakhs
TenureUp to five years
Processing feeUp to 2.50% of the sanctioned loan amount+GST
Pre-payment charge

No prepayment until completion of 12 EMIs

4% of the principal outstanding if between 13-24 months+GST

3% of the principal outstanding if between 25-36 months+GST

2% of the principal outstanding if more than 36 months+GST

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HDFC Branches with IFSC Codes in Bengaluru

The complete list of HDFC bank branches in the city has been given below with the address, contact details and IFSC & MICR codes.

BranchAddressIFSCMICRContact details
Jmc HouseJmc House, Opp. Parimal Gardens, Opp Parimal Garden, Ambawadi, Ahmedabad - 380006 GujaratICIC0000024380229002022 - 67574314 / 4322
Drive-In-CinemaSwamini Complex, Opp. Drive - In Cinema, Drive In Road, Ahmedabad. 380054 GujaratICIC0000064380229003022 - 67574314 / 4322
Satellite AreaFf/7 & 8, Tirthraj Complex, 132 Feet Ring Road, Jodhpurgam (Satellite Area), Ahmedabad District. 380015 GujaratICIC0000067380229004022 - 67574314 / 4322
Stadium Circle2/1, Ground Floor, Popular House, Ashram Road, Ahmedabad. 380009 GujaratICIC0000189380229007022 - 67574314 / 4322
ShahibaugSuvas Complex, Ground Floor, Opp. Rajasthan Hospital, Shahibaug, Ahmedabad 380004 GujaratICIC0000294380229008022 - 67574314 / 4322
S.G. RoadSarthik II, Gr Floor, Opp. Rajpath Club, S.G.Road, Bodakdev, Ahmedabad 380054 GujaratICIC0000295380229009022 - 67574314 / 4322
VasnaGround Floor, Haash Business Centre, Near Ankur School, Fatehpura, Vasna, Ahmedabad. 380007 GujaratICIC0000344380229011022 - 67574314 / 4322
NaranpuraGround Floor, Sthapna Complex, Opp Ghb Complex, Ankur Road, Naranpura, Ahmedabad. 380013 GujaratICIC0000345380229010022 - 67574314 / 4322
BopalShop No 5/6, Samarpan Complex, Bopal Road, Ahmedabad 380058 GujaratICIC0000361380229012022 - 67574314 / 4322
ThaltejICICI Bank Ltd. Shop No 4/5/6, Apm Mall, Sattadhar Char Rasta, Thaltej Branch, Ahmedabad 380054ICIC0000457380229013022 - 67574314 / 4322

Eligibility Criteria for a HDFC Bank Personal Loan Bengaluru

The norms of eligibility for a personal loan offered by HDFC bank have been given below. An applicant has to ensure that he/she is able to meet the given criteria.

  • The applicant should be a salaried individual who falls in the category of Chartered Accountant, Doctor, an employee of public sector undertakings or private limited companies.
  • The applicant must be between the age group of 21 to 60 years.
  • A working experience of a minimum of two years is needed
  • Must be employed with the current company for at least one year.
  • A net monthly income of at least ₹ 15,000 is needed. In the case of applicants living in cities like Mumbai, Bengaluru, Delhi, Cochin, Pune, Kolkata, Hyderabad, Ahmedabad and Chennai, the net monthly income should be at least ₹ 20,000.

HDFC Personal Loan EMI Calculator

Know the exact calculations of your personal loan EMIs in the easiest and quickest manner. Yes, that’s right! With the help of an EMI Calculator, it is possible for you to know the calculations of your EMI and interest outgo in the best way. This magical device with its quick functioning and simple algorithm churns out the results for you by taking into account the loan amount, interest rate and tenure.

For your reference, below is a table, displaying the calculations of a loan amount of ₹3 Lakh, taken for a tenure of 5 years at an interest rate of 15% per annum.

Table Showing EMI, Interest Outgo, and Total Repayment Amount

Loan AmountInterest RateTenureMonthly InstalmentTotal Interest AmountTotal Amount
₹ 3,00,00015%1₹ 27,077₹ 24,930₹ 3,24,930
₹ 3,00,00015%2₹ 14,546₹ 49,104₹ 3,49,104
₹ 3,00,00015%3₹ 10,400₹ 74,386₹ 3,74,386
₹ 3,00,00015%4₹ 8349₹ 1,00,763₹ 4,00,763
₹ 3,00,00015%5₹ 7137₹ 1,28,219₹ 4,28,219

EMI, Total Interest Outgo, Total Repayment (Interest + Principal)

YearPrincipalInterestBalance Amount
1₹ 43,557₹ 42,086₹ 2,56,442
2₹ 50,559₹ 35,084₹ 2,05,882
3₹ 58,687₹ 26,956₹ 1,47,194
4₹ 68,121₹ 17,522₹ 79,072
5₹ 79,160₹ 6571₹ 0

Documents Checklist for a HDFC Bank Personal Loan Bengaluru

The list of all the essential documents required to avail a personal loan from HDFC bank has been mentioned below. Do check them out.

  • Identity Proof- photocopies of Driving License/Voter ID Card/Passport
  • Address Proof- photocopies of Passport/Telephone Bill/Ration Card/Rental Agreement/Electricity Bill
  • Income Proof- Salary Certificate(current dated) with Form 16/Latest salary slip
  • Bank Statement of the past three months/ six months passbook statement

You can always refer to Personal Loan Bengaluru for extra information.

About HDFC Bank Personal Loan Bengaluru

If you are living in the capital of Karnataka and you want to go to a trip to Europe or sponsor your child’s education, you can do so with a HDFC bank personal loan. The bank offers the product to salaried customers at affordable rates of interest. A customer in Bengaluru can use the product to nurture any of his/her personal needs. The bank offers a special personal loan called- Personal Loan Diva to its women customers. There are more than 100 branches of the bank in the Silicon Valley of India.

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HDFC Bank11.25% - 21.50%
ICICI Bank10.99% - 18.40%
IndusInd Bank10.99% - 16.00%
Kotak Bank10.99% - 20.99%
RBL13.00% - 18.00%
Standard Chartered Bank12.00% - 17.00%
Tata Capital10.99% - 18.00%
Home Loan Interest Rates December 2018
State Bank of India/SBI8.70% - 9.25%
HDFC8.80% - 9.70%
Bank of Baroda8.65% - 9.65%
LIC Housing8.85% - 9.05%
PNB Housing Finance9.00% - 13.00%
ICICI Bank9.00% - 9.25%
Axis Bank8.80% - 9.05%
Citibank9.00% - 9.85%
Indiabulls Housing Finance Limited8.80% - 11.05%
Kotak Bank8.90% - 8.75%
DHFL9.05% - 9.95%
Reliance Home Finance8.75% - 14.00%