HDFC Bank Personal Loan - Fees and Charges

Personal Loan Interest Rates & Charges
Enclosed below are HDFC Bank Personal Loan Interest Rates & Charges


Fee

Amount to be Paid

Rack interest rate

Salaried - 15.75% to 20%

Loan processing charges

Up to 2.50% of the loan amount subject to a minimum of Rs. 1,000/- & Maximum of Rs. 25000/- for Salaried Customers.

Prepayment

Salaried - No pre-payment permitted until repayment of 12 EMIs

Pre-payment charges

Salaried - 13-24 Months - 4% of Principal Outstanding,
25-36 Months - 3% of Principal Outstanding
>36 Months - 2% of Principal Outstanding

No Due Certificate/No Objection Certificate (NOC)

NIL

Duplicate of No Dues Certificate/NOC

NIL

Solvency Certificate

Not applicable

Charges for late payment of EMI

24% per annum on amount outstanding from date of default

Charges for changing from fixed to floating rate of interest

Not applicable

Charges for changing from floating to fixed rate of interest

Not applicable

Stamp duty & other statutory charges

As per applicable laws of the state

Credit assessment charges

Not applicable

Non standard repayment charges

Not applicable

Cheque swapping charges

Rs 500/-

Amortization Schedule charges

Rs 200/-

Loan cancellation charges

NIL (However client would be charged interest for the interim period between date of loan disbursement and loan cancellation and processing fees would be retained.)

Cheque bounce charges

Rs. 550/- per cheque bounce

Legal/incidental charges

At actual

CIBIL Report Copy Charges

Rs.50 per copy

Rates offered to customer during the period of July 2016 to September 2016.


IRR

Q II (2016-17)

Min IRR

11.00%

Max IRR

19.89%

Avg IRR

13.65%

Annual Percentage Rate offered to customer during the period of July 2016 to September 2016.


APR

Q II (2016-17)

Min APR

11.00%

Max APR

23.31%

Avg APR

13.81%

*Service Tax and other Government taxes, levies etc. applicable as per prevailing rate will be charged over and above the Fees and Charges

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