HDFC Bank Personal Loan— Interest Rates, Eligibility & How to Apply
HDFC Bank is among India's largest private lenders, known for fast personal loan disbursal and pre-approved offers for existing customers.
Soft check — comparing won't affect your credit score.
HDFC Bank Personal Loan at a glance
Interest rate
from 10.5% p.a.
Max amount
₹40 Lakh
Max tenure
6 years
Processing fee
up to 2.5%
Figures are illustrative 2026 ranges and subject to the lender's current policy. See our editorial policy.
Why choose HDFC Bank?
- Disbursal in as little as a few hours for pre-approved customers
- Loans up to ₹40 Lakh
- Flexible tenure up to 6 years
- Minimal documentation, largely digital
HDFC Bank Personal Loan eligibility
- Salaried, age 21–60
- Net monthly income ₹25,000+
- Credit score 750+ preferred
- Stable employment
How to apply via RupeeQuik
1. Compare
See your eligible personal loan offers with a soft check.
2. Choose
Pick the best-fit offer by total cost, not just the headline rate.
3. Apply
Finish on the lender’s page — your verified details carry over.
HDFC Bank Personal Loan — FAQs
What is the interest rate on a HDFC Bank personal loan?+
HDFC Bank personal loan interest rates start from around 10.5% p.a. The exact rate depends on your credit score, income and profile. Compare your eligible offers on RupeeQuik before applying.
How much personal loan can I get from HDFC Bank?+
HDFC Bank offers personal loans up to ₹40 Lakh, subject to your income and eligibility. Use RupeeQuik's eligibility calculator to estimate your amount.
What documents does HDFC Bank need for a personal loan?+
Typically PAN, Aadhaar, recent salary slips and bank statements. Many applications are now fully digital with minimal paperwork.
How long does HDFC Bank take to approve a personal loan?+
Approvals are often within 24–72 hours, and pre-approved customers can get near-instant disbursal.
