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.
| Particular | Details |
|---|---|
| Interest rate | 10.75% - 14.50% |
| Loan amount | Up to ₹ 15 Lakhs |
| Tenure | Up to five years |
| Processing fee | Up 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.
| Branch | Address | IFSC | MICR | Contact details |
|---|---|---|---|---|
| Ravipuram | Ground Floor, Elmar Square, M G Road, Ravipuram, Kochi - 682016, Kerala | HDFC0000020 | 682240002 | 9895663333 |
| Kadavanthra | Mks Towers, Sahodaran Ayyappan Road, Kadavanthra, Kochi - 682020, Kerala | HDFC0000295 | 682240004 | 9895663333 |
| Banerji Road | Sudhas Building, Madhava Pharmacy Jn., Banerji Road, Kochi - 682018, Kerala | HDFC0000510 | 682240007 | 9895663333 |
| Palarivattom | Building No. 32, 1182, Palarivattom Junction, Palarivattom, Kochi - 682025, Kerala | HDFC0000520 | 682240002 | 9895663333 |
| Kalamassery | Sruthi Towers, , Near Nest, NH 47, South Kalamassery, Kochi - 682033, Kerala | HDFC0000717 | 682240008 | 9895663333 |
| Aluva | Poornima Bldg., Ground Floor, By Pass Junction, Aluva, Kochi - 683101, Kerala | HDFC0000310 | 682240005 | 9895663333 |
| Tripunithura | Pindis Arcade, Market Jn. Hill Palace Road, , Tripunithura, Kochi - 682301, Kerala | HDFC0000401 | 682240006 | 9895663333 |
| Kakkanad | K & T Towers, , Near Kakkanad Post office, Kakkanad, Kochi - 682030, Kerala | HDFC0000684 | 682240010 | 9895663333 |
| Paravur | First Floor, Adamplaza, Temple Road, N. Paravur, Kochi - 683513, Kerala | HDFC0000823 | 682240009 | 9895663333 |
| Main Branch Choice Towers | Choice Towers, Manorama Jn., Ernakulam, Kochi - 682016, Kerala | HDFC0001218 | 682240018 | 9895663333 |
| Edapally | Ground Floor, National Nandanam, , Palace Road, , Edapally, Kochi - 682024, Kerala | HDFC0001286 | 682240025 | 9895663333 |
| Thoppumpady | Catholic Centre, St. Joseph College Building, Thoppumpady, Kochi - 682005, Kerala | HDFC0001294 | 682240023 | 9895663333 |