HDFC Bank Personal Loan in Chennai

HDFC Bank Personal Loan Chennai 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 Bank Branches with IFSC Codes in Chennai

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
ITC Centre Anna Salai759, ITC Centre, Anna Salai, Chennai - 600002, Tamil NaduHDFC00000046002400029840673333
Besant NagarT - 31, 7Th Avenue, , M G Road, , Besant Nagar, , Chennai - 600090, Tamil NaduHDFC00000106002400039840673333
Anna NagarAA - 8, , Second Avenue, Anna Nagar, Chennai - 600040, Tamil NaduHDFC00000176002400049840673333
Valasaravakkam8, Arcot Road, Valasaravakkam, Chennai - 600087, Tamil NaduHDFC00000246002400059840673333
Nungambakkam40, Nungambakkam High Road, Chennai - 600034, Tamil NaduHDFC00000826002400069840673333
MadipakkamNo 5, Sabari Salai, , Madipakkam, Chennai - 600091, Tamil NaduHDFC00001116002400089840673333
KilpaukNo. 31 / 32, Balfour Road, , Kilpauk, , Chennai - 600010, Tamil NaduHDFC00001246002400099840673333
Ashok Nagar53, Plot No 41B, 4th Avenue, Ashok Nagar, Chennai - 600083, Tamil NaduHDFC00001366002400109840673333
R. A. PuramNo 10, III Cross Street, Opposite Chennai Kaliappa Hospital, R. A. Puram, Chennai - 600028, Tamil NaduHDFC00001416002400129840673333
Parrys CornerNo 3, Mcdowell House, , 2Nd Line Beach, Parrys Corner, Chennai - 600001, Tamil NaduHDFC00001666002400119840673333
T Nagar56, Opposite Jeeva Park, G. N. Chetty Road, T Nagar, Chennai - 600017, Tamil NaduHDFC00002066002400139840673333
ChitlapakkamUnique Auto No - 5, Opposite Tambaram Fire Station G. S. T Road, Sanatorium, Chitlapakkam Town, Chennai - 600047, Tamil NaduHDFC00002606002400149840673333

HDFC Personal Loan Customer Care

In order to be in touch with the customer care executives of HDFC, all you need to do is just dial 1800 425 4332 from your landline or mobile. No matter in which corner of the country you live, this toll-free number keeps you connected with the experts whenever you are in need.

Eligibility Criteria for a HDFC Bank Personal Loan Chennai

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

An EMI Calculator is one such magical and smart device that lets you know about your EMIs, Interest Outgo and Total Amount Payable in the easiest manner. All it does is that by taking into consideration the loan amount, tenure and interest rate gives you the exact calculations in the least time frame. With its simple algorithm and quick functioning this device, this tool is here to make your journey memorable.

To make you understand better, below is a table showing the calculations on a loan amount of ₹3 Lakh, taken for a tenure of 4 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

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

YearPrincipalInterestBalance Amount
1₹ 59,147₹ 41,043₹ 2,40,852
2₹ 68,655₹ 31,535₹ 1,72,196
3₹ 79,692₹ 20,498₹ 92,503
4₹ 92,606₹ 7687₹ 0

Documents Checklist for a HDFC Bank Personal Loan Chennai

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

In case you want more information, you can refer to Personal Loan Chennai.

About HDFC Bank Personal Loan in Chennai

HDFC bank is one of the leading private sector banks in India. The bank offers a personal loan to the customers based in Chennai. A salaried employee is eligible to apply for the product to meet his financial needs. The banks provides a special Personal Loan Diva to its women customers. HDFC bank has set up more than 100 branches in the capital of Tamil Nadu.

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Standard Chartered Bank11.50% - 14.50%
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Home Loan Interest Rates October 2018
State Bank of India/SBI8.70% - 9.25%
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DHFL9.05% - 9.95%
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EMI Calculator