How to apply Hdfc personal loan | interest rate of personal loan | Emi calculator
Hdfc personal loan
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| How to apply Hdfc personal loan |
HDFC Bank offers personal loans with minimal paperwork and quick approvals, making it easy for individuals to use the money during economic emergencies. You will get Rs 40 lakh. You can avail loan amount of up to Rs., Which can be repaid within an easy period of 12 to 60 months.
- HDFC Bank Personal Loan Features
- what is HDFC Bank Personal Loan Interest Rates
- HDFC Bank Personal Loan - Eligibility Conditions
- Hdfc bank personal loan essential documents
- Hdfc bank personal loan Fees and other charges
- How to login on Net banking HDFC Bank Portal
- How to Check Hdfc personal loan statement
- How to check hdfc personal loan application status
- Hdfc bank personal loan EMI calculation
- HDFC Bank Customer Care
- Hdfc bank personal loan Important aspect
- Related Questions (FAQs)
HDFC Bank Personal Loan Features
Loan amount: HDFC Bank Rs. 50,000 40 lakhs to Rs. Provides a personal loan of up to Rs.
Easy Period: HDFC Bank personal loan has a duration of 12 to 60 months and can be chosen by an individual according to his repayment ability.
Minimum documents: The entire process of HDFCBank personal loan application is easy and requires minimal documentation.
Personal loan security: Customers of HDFC Bank can avail the following benefits by taking 'Sarva Suraksha Pro' insurance along with the loan:
- Credit shield cover equal to the outstanding loan amount
- 8 lakh on accident Medical cover up to
- 1 lakh on accidental death / disability. Cover up to
Personal loan balance transfer: Transfer your existing personal loan to HDFC Bank and get a loan at low interest rates. With a personal loan balance transfer, a person can avail the following benefits:
- Interest rates are as low as 75% on the current loan amount transferred.
- Benefit of rebate on processing fee Rs 1999
Insurance with HDFC Bank Personal Loan: By paying a nominal premium, a maximum of Rs 8 lakh. Medical cover up to and
Rs 1 lakh due to serious illness Avail medical cover of up to Rs. Premium for these insurance plans will be deducted from the loan amount.
What is Hdfc personal loan interest rates
The interest rate offered by HDFC Bank on personal loans varies from 11.25% to 21.50%. However, the interest rate offered to an individual on a personal loan depends on many things including credit score, age, employment, repayment record, current loan, etc.
HDFC Bank Personal Loan - Eligibility Conditions
- You have a working doctor, CA, employees of private companies, including central, state and local bodiesMust be an employee in the public sector.
- You must be at least 21 years old and your maximum age should be 60 years. You must have at least 2 years of minimum work experience and you must work for at least one year with your current company needed.
- Your minimum monthly income is Rs 15,000. 20,000 if you are living in Delhi, Mumbai, Bangalore, Hyderabad, Chennai, Pune, Ahmedabad, Kolkata and Cochin Should be.
HDFC Bank Personal Loan / Personal Loan - Essential Documents
The documents required for HDFC personal loan / personal loan depend on many factors like your profession, income and loan requirement. The documents required for HDFC Bank's Personal Loans / Personal Loans vary in the case of employed and self-employed persons (those doing their business). Although the KYC documents are similar, the employed and self-employed professionals have to provide their income documents according to their employment type.
- Proof of Identity: Passport / Voter ID / Aadhaar / Driving License
- Address Proof: Aadhaar / Voter ID / Driving License / Passport
- Last three months bank statement or last 6 months bank passbook
- With Form 16 - Recent Salary Slip
Documents required for a employed person
- Identity proof: Aadhaar card, passport, voter ID card or driving license.
- Address proof: Ration card / Passport / Telephone / Rent agreement / Electricity bill.
- 6-month bank passbook or last 3-month bank statement.
- Salary slip or salary certificate.
- Form 16
Documents required for a self-employed person
- PAN Card: For Company / Firm / Person
- Identity proof: Passport / Aadhaar card / Voter ID card / Driving license / PAN card
- Address proof: Aadhaar Card / Passport / Driving License / Voter ID-Card
- 6 months bank statement
- Latest income tax return with income calculation, record of last 2 years profit and loss of business / balance sheet.
- Business Proof
- Apart from these documents, there are many necessary documents - Soul Proprietorship Declaration or Partnership Agreement, Memorandum and Association of Articles and Board Resolution etc.
Documents required for NRI person
HDFC Bank does not provide Personal Loans / Personal Loans to NRIs.
Hdfc bank personal loan Fees and other charges
| Loan processing fees |
Minimum amount of ₹ 2,999 up to 2.50% of loan amount and ₹ 25,000 for maximum employment
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Prepayment or full payment
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Job: Pre-payment or prepayment is not allowed till the repayment of 12 EMIs.
Up to 25% of the outstanding loan amount can be repaid in certain parts other than EMI.
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Prepayment fee
(On original dues) /
Partial payment fee [on payment amount]
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Salary: 13-24 months - 4% of loan principal outstanding
25-36 months - 3% of loan principal outstanding
> 36 months - 2% of loan outstanding
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Overdue EMI interest
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2% per month EMI amount on surplus
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Floating rate
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Not Applicable
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Charges for changing from floating rate to fixed rate interest rate
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Not Applicable
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Stamp duty and other statutory fees
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According to state laws
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Check swapping fee
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₹ 500 + GST
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Amortization schedule fee
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₹ 200 + GST
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Loan cancellation fee
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However, interest will be charged for the interim period ie from the date of loan disbursement till the cancellation of the loan. Loan processing fees will be retained.
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Check bounce fee
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₹ 550 / - per check bounce GST
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Legal / contingency fee
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According to actual
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How to login on HDFC Bank Net Banking Portal?
How to Check Hdfc personal loan statement
- Select the loan tab and select 'Register New Loan'
- Enter your information
- Click on 'Submit'
- You will get an OTP on your registered phone. Enter it to complete registration
How to check hdfc personal loan application status
- You can easily know the status / status of your HDFC personal loan application online.
- You enter either the application name or the reference number.
- Enter date of birth or mobile number
- Click on 'Submit'
Hdfc bank personal loan EMI calculation
Loan Principal @ Interest-------------------------------------Time period------------------------------------
1 years 2 years 3 years 4 years 5 years
2 Lakhs @ 11.25% 17,699/- 9344/- 6571/- 5193/- 4373/-
5 Lakhs @ 12% 44,424/- 23,536/- 16,607/- 13,166/- 11,122/-
10 Lakhs @ 12.5% 89,082/- 47,307/- 33,453/- 26,579/- 22,497/-
15 Lakhs @ 13% 1,33,975/- 71,312/- 50,540/- 40,241/- 34,129/-
HDFC Bank Customer Care
You can call HDFC Bank customer care number 1800-258-3838 (toll free number).
Can call numbers:
Ahmedabad 079-61606161
Bangalore 080-61606161
Chandigarh 0172-6160616
Chennai 044-61606161
Cochin 0484-6160616
Delhi and NCR 011-61606161
Hyderabad 040-61606161
Indore 0731-6160616
Jaipur 0141-6160616
Kolkata 033-61606161
Lucknow 0522-6160616
Mumbai 022-61606161
Pune 020-61606161
NRIs can call:
USA 855-999-6061
Canada 855-999-6061
Singapore 800-101-2850
Kenya 0-800-721-740
Other Countries 91-2267606161
- You can write your problem to the bank at HDFC Bank Limited, Empire Plaza I, First Floor, LBS Marg, Chandan Nagar, Vikhroli West, Mumbai - 400 083
- You can go to the nearest branch of the bank.
Hdfc bank personal loan Important aspect
Loan amount: The less you borrow, the more easily and easily you will be able to pay the amount. Therefore, borrow only in case of emergency and not because it is readily available. Also, your payment capability
Remember to borrow according to it because borrowing more than you can repay can get you into debt trap.
Credit score: This is one of the most important factors when approving your loan application by banks, your credit score reflects your previous loan and credit card repayment. Therefore, for a personal loan / personal loan with a higher credit score Your chances of approval may improve.
Interest rates and interest payments: Interest rates have an effect on your EMI. Therefore, to have a cheaper EMI, it is necessary to choose the bank that offers the lowest interest rate. You can get interest by various banks on PaisaBazaar.com
Can compare rates. However, also keep in mind that more interest will have to be paid over longer loan periods.
Other fees and charges : There are various other fees and fees associated with personal loans / personal loans, except the rate of interest. These include processing fee, late payment fee, foreclosure fee, part pre-payment fee etc. To avoid any future hassles
It is important to ask your bank about all these charges.
Hdfc Bank personal loan FAQs
questions . How much amount can be taken from HDFC Bank as a personal loan?
A person will get Rs. 50,000. 40 lakhs to Rs. Can take a personal loan of up to Rs.
questions . What is HDFC Bank Personal Loan Balance Transfer?
HDFC Bank offers personal loan balance transfer facility, if you have loan from any other bank
If taken, you can repay it by taking a loan from HDFC Bank at a lower rate of interest.
questions . How do I get a changed address in my loan account?
If you want to change your address in our records, you can visit the nearest Retail Loan Service Center and submit the required documents.
- Request change of address
- Self-attested copy of your address proof for verification (Aadhaar, driving license, voter ID card etc.)
questions . I am a self employed person. Can I apply for a personal loan with HDFC Bank?
No, HDFC Bank provides personal loans only to employed persons who fulfill the qualification. Self-employed individuals may however be eligible for a business loan from HDFC Bank.
questions . How can I calculate my HDFC Bank Personal Loan EMI before applying for a loan?
To know your EMI, you can take help of Paisabazaar.com's Personal Loan EMI Calculator. It is an online tool that can be used for free.
questions . What are the different types of HDFC Bank Personal Loans?
Currently HDFC Bank does not offer many types of personal loans, however, this loan can be availed for various uses like travel, medical, home renovation expenses etc.
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Tags: hdfc personal loan interest rate 2021 | personal loan eligibility | hdfc personal loan calculator | hdfc personal loan login | hdfc personal loan status 2020 | hdfc personal loan eligibility 2020 | hdfc personal loan customer care | personal loan online apply
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