HDFC Bank Personal Loan - Features & Benefits


  • Highly competitive personal loan interest rates
  • Special offers, interest rates and charges for HDFC Bank account holders
  • Personal loan eligibility in 1 minute available online and across all branches
  • Special personal loan offers* for women employees
  • Walk in Loan: Walk in to the branch with your documents and get Personal Loan in a day!, at select branches.
  • Convenience of contacting us through SMS, Webchat, Click2Talk, PhoneBanking and across all branches


  • Simplified documentation
  • Competitive pricing
  • Transparency
  • Personal loans available for various needs

Personal loans from HDFC Bank are quick, competitive and transparent. Whatever be your need, talk to us and we can customise a personal loan for you. Our seamless loan sanction and disbursal procedure ensures that availing a personal loan is a hassle-free experience. Unmatched additional benefits, quick documentation, ease of communication and doorstep service make HDFC Bank a leader in personal loans.

Why avail a Personal Loan from HDFC Bank?

HDFC Bank offer personal loans for all your requirements. Smart products, competitive offerings and peace of mind differentiate us. Enjoy triple benefits when you avail a personal loan from HDFC Bank:

  • Quick personal loans-Experience express loan processing, easy documentation, quick disbursal and doorstep service
  • Competitive pricing -Benefit from competitive loan rates and convenient repayment options
  • Transparency -Zero hidden charges, reasonable processing fees and utmost clarity on the loan process with up-to-date information about the loan application at each stage

Features and Benefits of Personal Loans

Personal loans from HDFC Bank offer exclusive features and benefits:

  • In principal Personal loan eligibility in just 1 minute - Online, as well as across all branches
  • Personal loan Diva: A special loan proposition for women employees. Enjoy more than 100 free alliance offerings, across 100 locations in India
  • Loan offerings for first time borrowers also
  • Personal loans available on the basis of credit history (repayment of home loans, auto loans and credit cards)
  • Receive a Personal Accidental Cover of up to 8 Lacs* along with a Critical Illness cover of 1 Lac*
  • Convenience of reaching out through SMS, Webchat, Click2Talk and PhoneBanking

Personal Accident Cover

Pay a nominal premium* and secure the needs of your loved ones with a Personal Accident cover of up to Rs. 8Lacs and a Critical Illness cover of up to Rs. 1 Lac.
The premium for both these policies will be deducted from the loan amount at the time of disbursal. Prescribed service tax and applicable surcharge/cess will be charged extra.
Secure your Personal Loan with Sarv Suraksha Pro

Key benefits of the policy:

  • Credit Shield cover equal to the outstanding loan amount
  • Accidental Hospitalization cover of up to 8 Lacs*
  • Accidental Death/Permanent Disablement cover of up to 1Lac*
  • Critical illness is 1 Lac*

(* Terms and conditions of the insurers shall apply.The policy is offered by HDFC Ergo GIC Ltd.)

Personal Loan Balance Transfer Offers

Already have a personal loan? Reduce your EMIs by transferring your existing personal loan to us and avail special offers and exclusive benefits.

  • Interest rate as low as 11.49%* on the existing loan transfer
  • Flat processing fees of Rs. 999

Personal Loan Diva for our women customers

HDFC Bank Personal Loan Diva is an exclusive offer for today's women, who are empowered, enlightened and enterprising - a woman like you. This tailor-made Personal Loan takes you closer to fulfilling your dreams by taking care of your financial requirements and also comes with a host of benefits through special privileges.

HDFC Bank Personal Loan Diva offers:

  • Pre-approved Personal Loan of Rs 3 lac*
  • More than 100 Diva offers across premium brands and products.

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