Personal Loan Apply75888 views
Avail HDFC personal loan at the lowest interest rate of 10.75%
Avail flexible repayment options to repay your loan without any hassle
Want to enjoy the lowest personal loan interest rates? And, how about paying the pocket-friendly EMIs? Well, all this and much more can easily be possible with HDFC Personal Loan. Yes, the lender with its attractive interest rates allows you to reap the multiple features and benefits, thus makes your personal loan journey a hassle-free experience. To know more about HDFC Personal Loan online, read the page below.
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Table of Contents
- 1 HDFC Personal Loan Interest Rates January 2020
- 2 HDFC Personal Loan Offers (For Special Corporates)
- 3 Hero Offer (S) (Limited Period Offer)
- 4 HDFC Personal Loan Monsoon Dhamaka Offer
- 5 HDFC Personal Loan Eligibility
- 6 How to Apply for HDFC Personal Loan on WhatsApp
- 7 HDFC Personal Loan EMI Calculator
- 7.1 Documents Required for HDFC Personal Loan
- 7.2 How to Apply for HDFC Personal Loan?
- 7.3 HDFC Personal Loan Customer Care Contact Number
- 7.4 HDFC Personal Loan Status
- 7.5 HDFC Personal Loan Login
- 7.6 HDFC Personal Loan Eligibility Calculator
- 7.7 HDFC Loan Statement Online
- 7.8 HDFC Personal Loan Top Up
- 7.9 HDFC Personal Loan Payment
HDFC Personal Loan Interest Rates January 2020
|Interest Rate||10.75% - 21.45%|
|Loan Amount||No limit, depends on credit score, income, repayment potential, etc|
|Tenure||Up to 5 Years|
|Processing Fees||NIL-2.50% of the loan amount plus applicable GST|
|Foreclosure Charges||Nil-Up to 4% on the principal outstanding + GST|
|Part- payment Charges||2%-4%|
|Repayment Mode||ECS, AD or PDC|
HDFC Personal Loan Offers (For Special Corporates)
HDFC Personal Loan interest rates start from as low as 10.75% those working in the following entities.
- Tata Consultancy Services Limited
- Cognizant Technology Solutions India Private Limited
- Accenture Solutions Private Limited
- Wipro Limited
- IBM India Private Limited
- Capgemini Technology Services India Limited
- HCL Technologies Limited
|Income||Rate of Interest (In Per Annum)||Processing Fee (In ₹)|
Hero Offer (S) (Limited Period Offer)
Start Date of the Offer – October 1, 2019
End Date of the Offer – October 31, 2019
Offer 1 – Exclusive offer for Key Corporates
Rates starting from 10.75% and 11% for top 11 and top 201 corporates, respectively. This is lower than the usual 11.25% the bank charges on personal loans.
Offer 2 – Imperia & Preferred Customers (HNW & VRM) having pre-approved loans will have special pricing on Net Banking (10 Sec)
Offer 3 – Lowest rates on transferring your personal loan of another bank to HDFC
These offers, however, won’t apply to Top-up & Enhancement/Internal Loan Closure
How and Where to Apply?
Online – NB and DAP
Offline – Branch/VRM/Corporate RM/Phone Banking Channels
Turaround Time (TAT) for Loan Disbursal
Digital Disbursal – 10 Second
Physical Disbursal – 3-10 Days
HDFC Personal Loan Monsoon Dhamaka Offer
HDFC Bank has launched Monsoon Dhamaka Offer under which you can avail personal loans at a lower rate. The rates are applicable to HDFC Bank customers. It’s a limited period offer whose validity has extended from September 10, 2019.
|Corporate Offer||Number of Corporates||Income||IRR (For HDFC Salary Account Holders) (In Per Annum)||Processing Fee (For HDFC Salary Account Holders) (In ₹)||IRR (For HDFC Bank Saving/Non-liability Account Holders) (In Per Annum)||Processing Fee (For HDFC Bank Saving/Non-liability Account Holders) (In ₹)|
|Super Platinum||11 Corporates||NTH >=50,000|
|Segment||Net Loan Amount||IRR (For HDFC Salary Account Holders) (In Per Annum)||Processing Fee (For HDFC Salary Account Holders) (In ₹)||IRR (For HDFC Bank Saving/Non-liability Account Holders) (In Per Annum)||Processing Fee (For HDFC Bank Saving/Non-liability Account Holders) (In ₹)|
|Golden Edge||Loan >=20 Lacs|
HDFC Personal Loan Balance Transfer Rate (Under Monsoon Dhamaka Offer)
|Income||IRR (For Those Having HDFC Bank Salary Relationship) (In Per Annum)||Processing Fee (For Those Having HDFC Bank Salary Relationship) (In ₹)||IRR (For Those Having Non-HDFC Bank Salary Relationship) (In Per Annum)||Processing Fee (For Those Having Non-HDFC Bank Salary Relationship) (In ₹)|
Increase in Multiplier for High-Income Segment
In order to give maximum benefits to its customers, HDFC has revised its income multiplier for the customers with NTH>50,000. The lender has increased the multiplier from a maximum 23 to 27 for risk band A1-B9 and C1-C9. Moreover, the bank is also willing to give an additional benefit of 10%-15% higher loan amount to this segment in the future.
The bank is pleased to offer the prepayment facility so that all its customers can easily repay the loan. You can prepay in full or in parts. Know more about this facility, read the page below.
- Prepayment will be allowed subject to loan tenure of 12 EMIs being completed i.e. Post 12 EMIs
- Prepayment will be allowed maximum twice during the entire tenure of the loan
- Prepayment is allowed only once a year
- At any point of time, each prepayment will not exceed 25% of Principal Outstanding
Charges to be paid on Prepayment
- 13-24 Months – 4% of the outstanding loan balance
- 25-36 Months – 3% of the outstanding loan balance
- >36 Months – 2% of the outstanding loan balance
HDFC Doctors Loan
HDFC Bank under its business loan scheme offers loan to doctors. Yes, the lender offers this unsecured loan to the doctors so as to give them the required funds to meet their professional requirements. This loan can easily be availed, which comes with many features and benefits to choose from. Let’s just make you understand better by sharing the points below.
- Loans above ₹10 lakh come with a special 10.99% interest rate
- Flat processing fee of ₹9,999
- Unsecured Loan up to ₹7.5 Lakh
- Group Exposure Can Go up to ₹1 Crore
- Tenure 12 Months to 60 Months
- Surrogate Programs like Banking, Gross Receipts and Takeover
- Competitive Pricing
- Minimal Documentation
- Speedy Approval
- Higher Multiplier
HDFC Personal Loan Eligibility
HDFC offer personal loans on the basis of the below-mentioned eligibility criteria.
- The minimum age of the loan applicant should be 21 years.
- The maximum age of the applicant should be 60 years.
- An individual must have 2 years of working experience wherein having 1 year of experience with the current employer is important.
- The applicant must have a Net Monthly Income of ₹15,000. However, the Net Monthly Income should be ₹20,000, if the applicant is living in Mumbai, Delhi, Bangalore, Chennai, Hyderabad, Pune, Calcutta, Ahmedabad, Cochin.
How to Apply for HDFC Personal Loan on WhatsApp
If you want to apply for HDFC personal loan, you would be glad to know that the same can also be possible on WhatsApp. Yes, no more boring forms online as all you need to do is just give a missed call on 8130633535, answer the questions asked by the chatbox, provide your credentials (full name, email ID & date of birth), mention your monthly income, company name and last but not the least enter the required loan amount. By following these simple steps, it would be easy for you to apply for this unsecured loan on WhatsApp and get the fastest approval. Isn’t it great?
HDFC Personal Loan EMI Calculator
A Personal Loan EMI calculator is the tool that helps in the calculation of the monthly installments that an individual will have to pay every month. With the help of HDFC Loan EMI Calculator, a person can get an idea in advance of the EMIs so that he/she can manage his/her finances accordingly. This smart, time-saving and effective online tool after taking into consideration:
- Loan Amount
- Interest Rate
Starts fetching the results in the least time frame. If we talk more about this device, it is easy to use the same and because of its online availability 24×7, it is widely used by many loan seekers. Thus, it would not be wrong to say that this online tool helps you in taking a smart and calculative financial decision after letting you know the exact calculations related to your EMI and Interest Outgo.
Documents Required for HDFC Personal Loan
Here’s a list of documents that a person must have if he/she is looking for a personal loan at HDFC Bank:
- Identity Proof – Voter ID Card/Driving License/PAN Card/Copy of Passport
- Address Proof- Copy of Ration Card/Telephone or Electricity Bill/Rental Agreement/Passport
- Last 3 months salary slips/current dated salary certificate with the latest Form 16
- Last 6 months bank bank statement
How to Apply for HDFC Personal Loan?
The process to apply for a personal loan from HDFC Bank is simple and quick. A loan seeker can apply for HDFC personal loan in three simple steps:
Step 1: A person must fill up the personal loan application form with the correct personal, professional and loan details.
Step 2: To get a hassle-free personal loan, a borrower must keep the required documents ready at the time of applying for a personal loan.
Step 3: Once the above steps are completed, a person can submit the documents along with the loan application form (with photos) to the nearest bank branch.
How is HDFC Personal Loan different?
HDFC Bank offers personal loans for all kinds of financial needs be it a personal one or a professional. Here are some of the main reasons why HDFC bank personal loan is different from others:
- Minimal Documentation: Keeping in mind the convenience of the customers, HDFC Bank personal loans have minimal documentation and quick loan disbursal.
- Attractive Rate of Interest: With the starting interest rate of 11.25% per annum, HDFC personal loan rates are one of the lowest personal loan interest rates in the market.
- Special Offers for Woman Applicants: For a personal loan to women applicants, HDFC Bank offers a specialized scheme- Personal Loan Diva Scheme. Under this scheme, a woman applicant gets the facility of pre-approved personal loans of ₹3 lakhs along with various premium brands and products.
- Free Insurance Cover: Personal loans of HDFC Bank come with an add-on benefit of a personal accident cover of up to ₹8 lakhs along with a critical illness cover of 1 lakhs without any extra charges.
HDFC Personal Loan Customer Care Contact Number
HDFC Bank has a 24X7 support helpline across all formats. The numbers you should dial to contact the customer care representatives are 1800 425 4332, 1800 22 4060 or 1800 22 1006. By dialing to these numbers, you can easily register any complaint, query or a feedback in the bank. Other than this, applicants can also reach out to the bank via SMS, Webchat, Click2Talk and Phone Banking. These executives are always there to help and guide you so that you can have a hassle-free loan journey. And, the best thing about these executives is that they are 24×7 available at your service, which means they are always there to help and guide you, making your loan journey a memorable experience.
HDFC Personal Loan Status
Applied for a personal loan at HDFC Bank? Anxious about where your application is? Know the status of the loan application by clicking the link ‘Track My Application’. Upon the opening of the link, you would be asked to enter the details like the applicant name, loan reference number, and date of birth. Subsequent to entering the details, the loan application status can be flashed. It could either show approved, about to approve or pending for approval due to document discrepancy or other reason.
HDFC Personal Loan Login
If you want to login to your account, you can easily do the same by simply visiting the HDFC website. After logging, you can easily check your account and its credentials of a personal loan. You can keep a track of each and every move of your personal loan journey by getting all the details online. Isn’t it amazing? Of course, it is! It comes with many features and is no doubt considered to be a convenient option to check your account anytime, anywhere.
HDFC Personal Loan Eligibility Calculator
Curious to know how much loan amount you are eligible to get? Well, all you need to know about HDFC Personal Loan Eligibility Calculator. That’s Right! This smart and well-designed tool allows you to know the exact amount you can get from a lender depending on your eligibility. After taking into consideration Income, Combined Monthly Loan EMIs, Combined Outstanding on Credit Card, etc the device evaluates your personal loan eligibility, hence lets you know the exact loan amount you are eligible to get from a lender. This is the reason that why this online tool is widely used by many loan-seekers these days just to enjoy a hassle-free journey.
HDFC Loan Statement Online
Many loan-seekers are always concerned about their loan statements. They always have a query-How Can I Get HDFC Bank Statement? Need not to worry as all you need to do is simply read the page below.
The HDFC Bank sends the monthly statement to all its account holders via emails without any delay. After receiving your monthly statement via email, you can easily check all the details of your account, closely watch all the transactional activities just to have a better understanding. Make sure that your mail ID is registered with the bank so that you can enjoy the uninterrupted services and keep on receiving the statements on mail easily.
HDFC Personal Loan Top Up
If you already have a personal loan running in HDFC and need some extra funding urgently apart from your existing loan, always remember with HDFC Personal loan top up all your needs can easily be fulfilled. Yes, the bank offers this top-up facility, wherein the existing personal loan borrowers can avail a top-up loan apart from their current running loan. This credit facility can be availed to meet any personal need instantly. This is the reason why HDFC personal loan has become the first and foremost choice of many borrowers.
HDFC Personal Loan Payment
If you have just applied for the HDFC Personal loan and worried about the payment, with the help of the ECS facility all your worries come to an end. This electronic mode of payment will automatically deduct the required monthly installment amount from your account so that you don’t need to bother about the timely payments. This is the reason why many borrowers prefer to pay their monthly installments via using this facility as it allows them to live a tension-free life, which is great.