HDFC Personal Loan : एचडीएफसी दे रहा है आधार कार्ड पर ₹50000 से ₹100000 तक का लोन, ऐसे करें अप्लाई

HDFC Personal Loan – Complete Guide

HDFC Bank offers a fast and convenient personal loan with minimal documentation. Whether you have an existing HDFC account or not, you can apply online and receive the loan amount within minutes. This article covers everything you need to know about the loan amount, interest rate, eligibility criteria, required documents, processing fee and the step‑by‑step online application process.

Key Features

• Loan amount: ₹50,000 – ₹40,00,000
• Interest rate: 10.25% per annum
• Processing fee: 2.5% of the loan amount (minimum ₹3,499 for a ₹3,00,000 loan)
• Disbursement time: As fast as 10 minutes
• Applicable to Indian citizens aged 21 years and above

Eligibility Criteria

Required Documents

• Aadhaar Card
• PAN Card
• Mobile number (registered with bank)
• Email ID
• Voter ID (optional but recommended)

Processing Fee

The online personal loan processing fee is 2.5% of the sanctioned amount. For example, a loan of ₹3,00,000 will attract a fee of approximately ₹3,499.

How to Apply Online

1. Download the HDFC Bank Mobile Banking app from Google Play Store.
2. Open the app and tap More on the home screen.
3. Select Apply Now.
4. Choose Personal Loan from the list of products.
5. If you already have an HDFC account, click Personal Loan in 10 seconds; otherwise, select the option for non‑account holders.
6. Enter your employment and income details.
7. Complete eKYC using your Aadhaar and PAN details.
8. The app will display the loan amount you are eligible for.
9. Select the desired loan amount and submit the application.

Why Choose HDFC Personal Loan?

• Quick disbursal within minutes.
• Competitive interest rate of 10.25%.
• Low processing fee compared to offline applications.
• Available to both existing HDFC customers and new applicants.

Official Links

For the latest information and to start your application, visit the official HDFC Bank website:

FAQ

• What is the minimum loan amount? The minimum amount is ₹50,000.
• Can I apply without an HDFC account? Yes, non‑account holders can apply online.
• How long does it take to get the loan? Disbursement can occur within 10 minutes after approval.
• Is there a pre‑payment penalty? The official website provides the latest pre‑payment terms.
• What credit score is considered good? A CIBIL score of 750 or above is generally preferred.
• Do I need to provide salary slips? Salary details are required for income verification during eKYC.
• Are there any hidden charges? All charges, including the 2.5% processing fee, are disclosed during the application.
• Can I track my application status? Yes, via the HDFC Mobile Banking app or net banking portal.
• What is the repayment tenure? Tenure varies based on the loan amount and borrower’s profile; refer to the official site for options.
• Is the interest rate fixed? The rate mentioned (10.25%) is the standard rate; final rate may vary based on credit assessment.

Conclusion

HDFC Bank’s personal loan offers a swift, low‑cost borrowing solution for individuals aged 21 and above. With a competitive interest rate of 10.25%, a processing fee of only 2.5%, and an entirely online application process, applicants can secure funds ranging from ₹50,000 to ₹40 lakh within minutes. Ensure you meet the eligibility criteria, have the required documents ready, and follow the step‑by‑step guide to enjoy a hassle‑free loan experience.

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