HDFC personal Loan
HDFC Bank వ్యక్తిగత రుణాన్ని చాలా తక్కువ డాక్యుమెంటేషన్ మరియు శీఘ్ర ఆమోదాలతో అందిస్తుంది, ఇది ఆర్థిక అత్యవసర పరిస్థితి కారణంగా వ్యక్తులకు సులభంగా నిధులను సులభంగా యాక్సెస్ చేస్తుంది.
మీరు రూ .50 వేల వరకు రుణ మొత్తాన్ని పొందవచ్చు. 12 నుంచి 60 నెలల మధ్య ఉన్న పదవీకాలంలో 40 లక్షలు తిరిగి చెల్లించవచ్చు.
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రుణ మొత్తం: హెచ్‌డిఎఫ్‌సి బ్యాంక్ వ్యక్తిగత రుణ మొత్తాన్ని రూ. 50,000 వరకు రూ. 40 లక్షలు.
సౌకర్యవంతమైన పదవీకాలం: హెచ్‌డిఎఫ్‌సి బ్యాంక్ వ్యక్తిగత రుణ పదవీకాలం 12 నుండి 60 నెలల వరకు ఉంటుంది మరియు ఒక వ్యక్తి అతని / ఆమె తిరిగి చెల్లించే సామర్థ్యం ప్రకారం ఎంచుకోవచ్చు
కనీస డాక్యుమెంటేషన్: హెచ్‌డిఎఫ్‌సి బ్యాంక్ వ్యక్తిగత రుణ దరఖాస్తు త్వరగా మరియు ఇబ్బంది లేకుండా ఉంటుంది, ఎందుకంటే దీనికి కనీస డాక్యుమెంటేషన్ మాత్రమే అవసరం.
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వ్యక్తిగత రుణ భద్రత: ఒకరు తన వ్యక్తిగత రుణాన్ని హెచ్‌డిఎఫ్‌సి బ్యాంక్ నుండి సర్వ్ సురక్ష ప్రోతో పొందవచ్చు.
వ్యక్తిగత రుణంపై హెచ్‌డిఎఫ్‌సి బ్యాంక్ అందించే వడ్డీ రేటు 11.25% నుండి 21.50% వరకు ఉంటుంది. ఏదేమైనా, వ్యక్తిగత రుణంపై ఒక వ్యక్తికి అందించే వడ్డీ రేటు క్రెడిట్ స్కోరు, వయస్సు, ఉపాధి, తిరిగి చెల్లించే చరిత్ర, ప్రస్తుత అప్పు మొదలైన అనేక అంశాలపై ఆధారపడి ఉంటుంది.
అర్హత ప్రమాణం
మీరు జీతం పొందిన డాక్టర్, సిఎ, ప్రైవేట్ లిమిటెడ్ కంపెనీల ఉద్యోగి, కేంద్ర, రాష్ట్ర మరియు స్థానిక సంస్థలతో సహా ప్రభుత్వ రంగ సంస్థల ఉద్యోగి అయి ఉండాలి.
మీరు కనీసం 21 సంవత్సరాలు ఉండాలి మరియు మీ గరిష్ట వయస్సు 60 సంవత్సరాలు ఉండాలి.
మీకు కనీసం 2 సంవత్సరాల కనీస పని అనుభవం ఉండాలి మరియు మీరు మీ ప్రస్తుత యజమానితో కనీసం ఒక సంవత్సరం పాటు పని చేయాలి.
మీ కనీస నెలవారీ ఆదాయం రూ. మీరు Delhi ిల్లీ, ముంబై, బెంగళూరు, హైదరాబాద్, చెన్నై, పూణే, అహ్మదాబాద్, కోల్‌కతా మరియు కొచ్చిన్లలో నివసిస్తుంటే నెలకు 20,000 రూపాయలు. ఇతర నగరాల్లో నివసించేవారికి కనీస నెలవారీ ఆదాయ అవసరం రూ. 15,000.
HDFC Bank offers personal loan at an interest rate ranging between 10.75% to 21.50% p.a. One can choose a repayment tenure between 1 year to 5 years. However, the interest rate levied on your loan will depend on factors such as the loan amount, your credit score etc.
Interest Rate – 10.75% to 21.50% p.a.
Processing Fee – 2.50% of the loan amount (Min Rs.2,999 & Max. Rs. 25,000)
Loan Tenure 1 year to 5 years
Loan Amount – Rs. 50,000 to Rs.40 lakh
Salary/Income – 15,000 onwards (Rs. 20,000 in Mumbai, Delhi, Bengaluru, Chennai, Hyderabad, Pune, Kolkata, Ahmedabad, Cochin)
Credit Score Above – 750
Lowest EMI per Lakh – Rs.2,187
Pre-Payment/Foreclosure Charges – Allowed after 12 EMI’s 13 to 24 months: 4% of the outstanding principal balance25-36 months: 3% of outstanding principle
Above 36 months: 2% of outstanding principle
Overdue EMI Interest 2% per month on EMI
HDFC Personal Loan offers highly competitive interest rates and has special offers and interest rates for HDFC Bank account holders. It also offers special loan offers for women employees. First-time borrowers will be given low loan offerings.
The personal loan is available on the basis of a person’s credit history like his repayment history on other loans and credit cards. The process to apply for the loan is simple and requires minimum documentation and a person can avail of a personal loan for various needs.
Features of HDFC Personal Loan Scheme
If you are a customer of HDFC Bank and if you apply for a personal loan, the loan amount will get approved within 10 seconds if you meet the required criteria. If you are not a customer of HDFC and have applied for a loan, you will get the loan amount credited to your bank account within 4 hours post the approval of your loan.
You can apply for an HDFC personal loan by visiting the official website of the bank.
On availing a personal loan from HDFC Bank, you can protect yourself by availing the insurance cover provided by the bank. You can opt for a personal accident cover of up to Rs.8 lakh and a critical illness cover of up to Rs.1 lakh.
In case something happens to you due to an accident or you get hospitalised after getting diagnosed with a critical illness, you can claim the cover amount. The premium amount will be deducted from your loan amount including the tax and surcharge fees.
As a customer of HDFC Bank, you get to enjoy various special benefits, charges, and offers if you avail a personal loan from them. If you are availing a personal loan from HDFC Bank for the first time, you get to choose your repayment tenure and the EMIs that you will have to pay will be cheap and affordable.
Factors Affecting HDFC Personal Loan Interest Rates
Loan tenure: Shorter-term loans may attract a higher rate of interest when compared to loans having a higher tenure.
Repayment capacity: HDFC Bank checks a person’s repayment capacity before offering him a loan and before deciding the interest rate. Borrower’s income, his assets and his creditworthiness is looked into before the bank offers a rate to him.
CIBIL Score gives detailed information his repayment capacity as it has all the details of the previous loans he had taken and repaid and it also gives information on how he is paying off his credit card bills.
Borrowing class: The borrower’s age also plays a crucial role in deciding the interest rate. HDFC Bank offers personal loan to the salaried individuals only.
Relationship with the bank: HDFC Bank offers special offers, interest rates and charges for the existing HDFC Bank account holders. Women are offered a special loan, HDFC Bank Personal Loan Diva, this is a tailor-made loan and has more than 100 Diva offers across premium brands and products.
This makes it vital for the applicant to have a very good rapport with the bank to avail special discounts and offers. You may even get a discount on the processing charges or the bank might reduce your interest rate to those who have managed to show commitment to making their payments on time in the past.
HDFC Bank Instant Personal Loan Apply Full Process
We understand that taking a personal loan is an important decision for you. That is why, as one of the leading personal loan providers, our product is thoughtfully designed and packed with unmatched features and benefits.
No matter why you need a personal loan, our application process is quick, hassle-free and requires minimal documentation. You can check your eligibility in 60 seconds, and instantly apply online for a personal loan. You can get funds within 4 hours of approval.
Existing HDFC Bank customers can benefit from special rates and loan approvals in 10 seconds. You can protect yourself against any eventuality by opting for accident and critical illness insurance at a nominal premium or a special policy to cover the outstanding amount on your loan.
Get a personal loan in quick time
Check eligibility in one minute online and at select branches – Personal Loan Eligibility Calculator.
Get funds in 10 seconds if you are a pre-approved HDFC Bank customer. Other customers can get a loan in under 4 hours.
Get loan amount in just one working day of document submission
Apply Online for a personal loan
We have simplified the personal loan application process. You can make an online personal loan application in just a few clicks
Protect yourself with insurance
Personal Accident Cover: For a nominal premium* you can avail of Personal Accident cover of up to Rs. 8 lakhs, and Critical Illness cover of up to Rs. 1 lakh. The premium for these policies will be deducted from the loan amount during disbursal. Applicable taxes and surcharge/cess will be charged extra.
Personal Loan Security: Secure your personal loan with Sarv Suraksha Pro. Key benefits include:
Credit Shield Cover equal to the outstanding loan amount
Accidental Hospitalisation cover of up to Rs. 8 lakhs*
Accidental Death/Permanent Disablement cover of up to Rs. 1 lakh*
*Terms and conditions of the insurers shall apply. The policy is offered by HDFC Ergo GIC Ltd.
Get a personalised product
No matter why you need a personal loan, HDFC Bank can customise the offering for you. If you already have an HDFC Bank account, you can benefit from special rates, charges and offers. HDFC Bank also offers a host of benefits for first-time loan customers Enjoy the flexibility to pick a tenure that suits you and pay back the loan in pocket-friendly EMIs (Use our Personal Loan EMI Calculator to check your monthly outgo)
Save money with personal loan balance transfer
Lower your personal loan EMIs by doing a balance transfer to HDFC Bank.
Interest rates as low as 11.49%* on the existing loan transfer
Flat processing fee of only Rs. 3999*
To transfer your loan balance, apply now.
Get assistance anytime, anywhere
For any help with your loan, you can reach out to us via SMS, Webchat, Click2Talk and PhoneBanking.
Visit the official website “CLick HERE1“
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Apply from the official website of HDFC to apply personal loan – “Click Here“
Apply for HDFC personal loan online by – HDFC Loan