HDFC Bank
HDFC Bank Personal Loan
Data Verified
Last checked: 25 Feb 2026Best for existing HDFC Bank customers who benefit from the famous "10-second disbursal" pre-approved loans.
Instant personal loans for and by India's leading bank, providing financial flexibility with pre-approved offers for millions of customers.
10-Second DisbursalPremium ServiceNo Security RequiredFixed Monthly EMIsPersonal Accident Cover
Interest Rate
9.99%
Starts From p.a.
Max Tenure
5 Yrs
60 Months
Loan Amount
to
Up to ₹40 lakh
Expert Verdict
"HDFC Bank personal loans are all about the pre-approved ecosystem. If you have an account, you likely already have an offer waiting. The 9.99% rate is their standard starting point. Their processing fees are generally flat and transparent. Verdict: Easiest loan to get if you are an HDFC customer."
Key Privileges
EligibilityAge 21-60, Salaried in private/public sector
Processing FeeMin ₹1,999; Max ₹4,999 + GST
Prepayment2-4% of outstanding
Lock-inNone
DocumentationKYC, Last 3 months bank statement, Latest salary slip
Start Application
Applying takes less than 5 minutes. You will need your PAN card and Aadhaar details handy.
Simplified Digital KYC
Instant Approval Check
Zero Physical Documentations
By clicking apply, you will be redirected to the official bank portal. FinanceMacha may earn a commission on successful approvals.
Eligibility Summary
- Min. Credit Score700+
- Min. Income₹25,000 per month
- EmploymentSalaried/Self