HDFC Bank Personal Loan Kochi - Eligibility, Rates Dec 2023, EMI, IFSC

HDFC Bank Personal Loan in Kochi

About HDFC Bank Personal Loan in Kochi

HDFC bank has a personal loan product that can be used for various personal needs. The bank has always believed in giving the best product and service to the customer. A customer based in Kochi can avail the product for a tenure up to five years. HDFC bank has opened more than 20 branches in the beautiful city of Kochi.

HDFC Bank Personal Loan Kochi at a glance

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

Interest rate10.75% - 14.50%
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

Apply Personal Loan @ 10.75%* Rate

Eligibility criteria for a HDFC Bank Personal Loan Kochi

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.

Documents Checklist for a HDFC Bank Personal Loan Kochi

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 check out Personal Loan Kochi for more information.

Address of HDFC bank branches in Kochi

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
RavipuramGround Floor, Elmar Square, M G Road, Ravipuram, Kochi - 682016, KeralaHDFC00000206822400029895663333
KadavanthraMks Towers, Sahodaran Ayyappan Road, Kadavanthra, Kochi - 682020, KeralaHDFC00002956822400049895663333
Banerji RoadSudhas Building, Madhava Pharmacy Jn., Banerji Road, Kochi - 682018, KeralaHDFC00005106822400079895663333
PalarivattomBuilding No. 32, 1182, Palarivattom Junction, Palarivattom, Kochi - 682025, KeralaHDFC00005206822400029895663333
KalamasserySruthi Towers, , Near Nest, NH 47, South Kalamassery, Kochi - 682033, KeralaHDFC00007176822400089895663333
AluvaPoornima Bldg., Ground Floor, By Pass Junction, Aluva, Kochi - 683101, KeralaHDFC00003106822400059895663333
TripunithuraPindis Arcade, Market Jn. Hill Palace Road, , Tripunithura, Kochi - 682301, KeralaHDFC00004016822400069895663333
KakkanadK & T Towers, , Near Kakkanad Post office, Kakkanad, Kochi - 682030, KeralaHDFC00006846822400109895663333
ParavurFirst Floor, Adamplaza, Temple Road, N. Paravur, Kochi - 683513, KeralaHDFC00008236822400099895663333
Main Branch Choice TowersChoice Towers, Manorama Jn., Ernakulam, Kochi - 682016, KeralaHDFC00012186822400189895663333
EdapallyGround Floor, National Nandanam, , Palace Road, , Edapally, Kochi - 682024, KeralaHDFC00012866822400259895663333
ThoppumpadyCatholic Centre, St. Joseph College Building, Thoppumpady, Kochi - 682005, KeralaHDFC00012946822400239895663333

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