HDFC Personal Loan Kolkata - Eligibility, Rates February 2024, EMI, IFSC

HDFC Bank Personal Loan in Kolkata

HDFC Personal Loan Interest Rates in Kolkata

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

HDFC Bank Kolkata Main Branch with IFSC Code

  • Branch Name: Central Plaza
  • Complete Address: 2/6, Sarat Rose road, Central plaza, Kolkata – 700020, West Bengal
  • IFSC Code: HDFC0000014
  • MICR Details: 700240003
  • Customer Care Number: 9831073333

HDFC Bank Kolkata branches with IFSC Codes and Customer Care Number

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
Stephen House 4C,BBD Bag East, Dalhousie, Lal Dighi, BBD Bagh, Kolkata, West Bengal 700001HDFC00000087002400029831073333
Central Plaza2/6, sarat bose road, 2/6, sarat bose road, Central plaza, Kolkata - 700020, West BengalHDFC00000147002400039831073333
Salt Lake Bb - 22, , Sector 1, Salt lake city, Kolkata - 700064, West BengalHDFC00000187002400049831073333
Gol Park132/a southern avenue,Dr.meghnad saha sarani, Gol park, dhakuria, Kolkata - 700029, West BengalHDFC00000227002400059831073333
MadhyamgramChowmatha,, Sodpur Barasat Road, Madhyamgram, Kolkata, West Bengal 700129HDFC00000237002400069831073333
RaghunathpurDhariwal house, on vip road, Raghunathpur, 24 parganas(north), Kolkata - 700059, West BengalHDFC00000287002400079831073333
New Alipore174A, Ground floor, New alipore, Block - G, Kolkata - 700053, West BengalHDFC00000407002400089831073333
U.N. Brahmachari StreetConstantia building 11, Dr. U.N. Brahmachari street, Kolkata - 700017, West BengalHDFC00001057002400099831073333
Dum Dum63/2, Dr. S P Mukherjee road, Dum Dum cantonment, Kolkata - 700028, West BengalHDFC00001067002400109831073333
Shyam Bazar55/1, , Bhupendra bose avenue, Near shyambazar metro station, Kolkata - 700004, West BengalHDFC00001747002400119831073333
Howrah493/C/A, G.T. Road (south), Howrah - 711102, West BengalHDFC00002087002400129831073333
BurrabazarShree Arcade, 1st Floor, 2, Jogendra Kaviraj Row, Kolkata, West Bengal 700007HDFC00002197002400139831073333

Personal Loan EMI Calculator

A personal loan EMI calculator is the tool that helps you calculate Equated Monthly Installments. Here is an example showing the payments you will have to do if you take a personal loan from HDFC Bank worth ₹7,00,000 for the tenure of 5 years and an interest rate of 12% p.a.

Table Showing EMI, Interest Outgo, and Total Repayment Amount

Loan AmountInterest RateTenureMonthly InstalmentTotal Interest AmountTotal Amount
₹ 7,00,00012%1₹ 62,194₹ 46,330₹ 7,46,330
₹ 7,00,00012%2₹ 32,951₹ 90,834₹ 7,90,834
₹ 7,00,00012%3₹ 23,250₹ 1,37,001₹ 8,37,001
₹ 7,00,00012%4₹ 18,434₹ 1,84,817₹ 8,84,817
₹ 7,00,00012%5₹ 15,571₹ 2,34,267₹ 9,34,267

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

YearPrincipalInterestBalance Amount
1₹ 1,08,703₹ 78,150₹ 5,91,296
2₹ 1,22,489₹ 64,364₹ 4,68,807
3₹ 1,38,024₹ 48,829₹ 3,30,783
4₹ 1,55,529₹ 31,324₹ 1,75,254
5₹ 1,75,408₹ 11,599₹ 0

Eligibility criteria

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 into 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.

How to Apply

The process of applying for a personal loan is simple and quick. You need to fill the loan application form and submit it along with the documents checklist at your nearest bank branch or online.

Loan Application Form

In the application form for a personal loan, you must fill in the below-mentioned details:

  1. Personal details of the applicant/s
  2. Professional details of the applicant/s
  3. Loan details (amount and tenure)

Documents Checklist

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

For more details, feel free to check out Personal Loan Kolkata.

  • Personal Loan Interest Rates February 2024
    HDFC Bank10.75% - 14.50%
    ICICI Bank10.75% - 19.00%
    IndusInd Bank10.25% - 26.00%
    Kotak Bank10.99%
    RBL14.00% - 23.00%
    SMFG India Credit12.00% - 24.00%
    Standard Chartered Bank11.49%
    Tata Capital10.50% - 24.00%