HDFC Bank Limited is an Indian bank and financial services business based in Mumbai, Maharashtra. It has a workforce of 304,000 as of 30 September 2021. The balance sheet of HDFC Bank shows steady growth in the business segment despite the global credit crunch which is hurting the banking industry all over the world. As far as the services offered by HDFC Bank are concerned, customers have shown a positive response in the past. HDFC personal loan interest rate offered at 11.29% of the loan amount. 

The main services offered by HDFC Bank are financial planning, banking, savings and investment, retail, commercial banking, international money transfer, and many more. In order to cater to the various customer needs, HDFC Bank has opened several internet branches through which customers can easily access their respective accounts. These branches offer services to customers through telephone and the internet. Below are some of the basic services offered by the HDFC Bank:

  • The primary service offered by HDFC Bank is its high-quality credit card processing service. The services offered through the credit card processing service include debit and credit card payment security.
  • The second most important service offered by HDFC Bank is its mobile banking service. A customer can use the mobile number to avail of various benefits offered by the bank.
  • The most significant service offered by HDFC Bank is its cash advance service. The cash advance is one of the most common needs that an individual may have at any time. To cater to this need, the HDFC bank customer care number is very important as it helps the customer to know about various features related to cash advances and also helps him get more information about the terms and conditions of the cash advance services.
  • The other services provided by the HDFC bank customer care number are its credit check services and its mobile cash advances services. The customer can also get information on various features which are related to the services provided by the bank.

HDFC Bank Personal Loan details

Particulars Salaried/Self Employed applicants 
Interest Rate Starting from 10.75% p.a. up 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 (employee working in Mumbai, Delhi, Bengaluru, Chennai, Hyderabad, Pune, Kolkata, Ahmedabad, Cochin Rs. 20,000)
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 balance

●        25-36 months: 3% of outstanding principle

●        Above 36 months: 2% of outstanding principle

Overdue EMI Interest 2% per month on EMI


Why people choose HDFC Bank Personal Loan?

It can be easy to get benefits from HDFC Bank Personal Loan and several other product features. You can check out the list of some reasons for choosing HDFC Bank for applying for a personal loan:

  • HDFC Bank offers affordable and flexible interest rates
  • Special interest rates are offered for women borrowers.
  • The applicant can get fast loan approval
  • Easy documentation process
  • 100% transparency
  • The applicant can apply for loan amount up to Rs. 25 lakhs for salaried individuals
  • Convenient repayment options are available for the user.
  • Fast disbursal with money directly into your account within 2 working days.

This feedbacks are also useful for the researches in this field. The researches which are done can be of various types. One of the types is research which can help the customer to get information on the different products that are being launched in the market. The other types of researches can be of various types. This research can help the customer to find out the features which he can take advantage of. This can also help the customer to know about the various plans which are offered by the HDFC.

How HDFC Bank Personal Loan is helpful to the user?

In order to improve the services, the HDFC bank customer care number provides all the required information to the customer. The customer care services offered by the HDFC Bank are very helpful for the customers. The customer is also able to get updates on various products that are being introduced in the market. The HDFC also provides an option for its customers to post their feedback about any product or service offered by the bank.


The researches can also help the customer to find out the various benefits which he can avail through the bank. This in turn can help the customer to know the various facilities that are being offered by the bank. These plans can be of various interest to the customers. If you wish to apply for HDFC Bank Personal Loan, you can get complete details and get the loan amount at the low-interest rate, tenure, and other charges. Hence these are the services that can be availed by the customers who have an account with HDFC.