HDFC Bank Personal Loan - Frequently Asked Questions

What is the minimum and maximum amount of Personal Loan that I can get with HDFC Bank?
HDFC Bank offers personal loan after considering the monthly income and other liabilities of the applicant. Personal loans are available from a minimum limit of Rs. 50,000 to a maximum of Rs. 15 Lakhs depending on the repayment history and personal financial credentials of the individual borrower.
What is the tenure for which I can avail a Personal loan with HDFC Bank?
HDFC Bank offers a tenure period of 12 to 60 months for salaried individuals and 12 to 36 months for self employed individuals and working professionals. The bank can however expand the tenure up to 60 months for self employed people in some cases.
What is the process of checking application status online?
You can check the status of your application online on the official website of the bank if you have applied directly with the bank. You can track the application status on the portal on entering a few details as required.
What are the limits of the loan amount?
HDFC Bank offers personal loans from as low as Rs.50,000 to as high as Rs.15 lakhs. The amount of loan disbursed depends on multiple criteria such as credit history, age, other credits etc.
How long can I borrow a loan for?
The loan tenure depends on the category of borrowers. Salaried individuals can opt for a repayment tenure anywhere between 12 months and 60 months. Self-employed individuals are eligible for repayment tenures ranging from 12 months to 36 months.
What are the income proof documents I have to submit while applying for the loan?
You need to submit the following documents while applying for HDFC personal loan.

  • Latest salary slip or recent salary certificate with Form 16
  • Bank statements of the past 3 months or 6 months passbook entries

Apart from these, you also need to submit an identity proof and address proof from the list of accepted documents.
What are the processing charges I have to pay when applying for this loan?
You need to pay processing charge of up to 2.50% of the overall loan amount. This is subject to a minimum amount of Rs.1,000 and maximum amount of Rs.25,000 for salaried individuals.
Where can I get the personal loan application form?
You can download the application form online or directly apply online by filling up the form and uploading supporting documents. Alternatively, you may approach any of the HDFC Bank branches and request for a loan application form.
What is the foreclosure criteria?
Salaried individuals cannot prepay their loans within the first 12 EMI payments. They can prepay the loan after this period by paying the following penalties:

  • Loan preclosure within 13 to 24 months will attract prepayment charges at 4% of outstanding principal balance.
  • Loan preclosure within 25 to 36 months will attract prepayment charges at 3% of outstanding principal balance.
  • Loan preclosure after 36 months will attract prepayment charges at 2% of outstanding principal balance.

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