HDFC Bank
HDFC Bank Limited is one of India’s largest private sector banks, offering a wide range of financial products and services to individuals, businesses, MSMEs, and corporates. Renowned for its strong digital banking platform, competitive loan products, and quick loan processing, HDFC Bank provides financing solutions for home purchase, personal needs, business expansion, vehicle purchases, education, and more.
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HDFC Bank Loan Interest Rates
| Loan Type | Interest Rate (p.a.) | Processing Fee | Loan Amount | Repayment Tenure |
|---|---|---|---|---|
| Home Loan | Starting from 8.50% | Up to 0.50% of the loan amount + GST | Up to 90% of property value | Up to 30 Years |
| Personal Loan | 10.90% – 24.00% | Up to ₹6,500 + GST | Up to ₹40 Lakhs | Up to 72 Months (6 Years) |
| Business Loan | Starting from 11.75% | Up to 2.50% + GST | Up to ₹75 Lakhs (or as per eligibility) | Up to 60 Months (5 Years) |
| Car Loan | Starting from 9.00% | As per bank policy | Based on vehicle value | Up to 7 Years |
| Loan Against Property | Starting from 9.25% | Up to 1% + GST | Up to 75% of property value | Up to 15 Years |
| Education Loan | Starting from 9.50% | As per bank policy | Based on eligibility | Up to 15 Years |
EMI Calculator – Calculate Your Monthly Loan EMI Instantly
Use the BorrowRight EMI Calculator to estimate your monthly EMI, total interest payable, and total repayment amount for Home Loans, Personal Loans, Car Loans, Business Loans, and Loan Against Property. Adjust the loan amount, interest rate, and tenure to find the repayment plan that fits your budget.
This layout is user-friendly, improves engagement, and can encourage more visitors to submit loan inquiries.
Eligibility Criteria
Salaried Applicants
- Age: 21–60 years
- Stable monthly income
- Good credit score (preferably 750+)
- Minimum work experience as per bank policy
Self-Employed Applicants
- Age: 21–65 years
- Stable business income
- Business continuity as per bank policy
- Good repayment history
Documents Required
Identity Proof
- Aadhaar Card
- PAN Card
- Passport
- Driving Licence
- Voter ID
Address Proof
- Aadhaar Card
- Passport
- Utility Bill
Income Proof
For Salaried
- Last 3 Salary Slips
- Bank Statements (3–6 months)
- Form 16 (if applicable)
For Self-Employed
- Last 2–3 Years ITR
- GST Registration (if applicable)
- Financial Statements
- Bank Statements
Property Documents (For Home Loan/LAP)
- Sale Agreement
- Property Title Documents
- Approved Building Plan
- Encumbrance Certificate (if applicable)
Loan Charges
| Charge | Details |
|---|---|
| Processing Fee | Varies by loan product. Home Loans: Up to 0.50% of the loan amount + GST. |
| Documentation Charges | Applicable for selected loan products. |
| Late Payment Charges | Charged on overdue EMIs as per the loan agreement. |
| Foreclosure/Prepayment Charges | Floating-rate home loans for individuals generally have Nil foreclosure charges. Other loan products may have applicable charges. |
| EMI Bounce Charges | Applicable if an EMI payment fails due to insufficient funds. |
| Penal Interest | Charged on overdue loan amounts as per the bank’s policy. |
| GST & Government Taxes | Applicable on processing fees and other service charges. |
Why Choose HDFC Bank?
- ✔ Trusted private sector bank in India
- ✔ Competitive interest rates
- ✔ Quick loan approval and disbursal
- ✔ 100% digital loan application
- ✔ Minimal documentation
- ✔ Flexible EMI repayment options
- ✔ Wide branch and ATM network
- ✔ Home Loan balance transfer facility
- ✔ Secure internet and mobile banking
- ✔ Dedicated customer support
Why Choose BorrowRight?
At BorrowRight, we make finding the right loan simple, transparent, and hassle-free. Instead of approaching multiple banks individually, you can compare loan options from leading lenders and choose the one that best fits your financial needs. Our experienced loan advisors guide you throughout the process, ensuring a smooth and stress-free borrowing experience.
Our Key Advantages
Multiple Bank & NBFC Partners – Compare loan offers from leading banks and financial institutions in one place.
Expert Loan Advisors – Receive personalized guidance to choose the most suitable loan.
Competitive Interest Rates – Access attractive interest rates based on your eligibility.
Fast Loan Processing – Quick application review and faster approvals.
100% Transparent Process – No hidden charges and clear communication at every step.
Minimal Documentation – Simple paperwork to make the application process easier.
Personalized Loan Solutions – Recommendations based on your income, credit profile, and financial goals.
End-to-End Support – Assistance from application submission to loan disbursal.
Secure & Confidential – Your personal and financial information is handled with strict confidentiality.
Free Loan Consultation – Speak with our experts before making a borrowing decision.