Personal Loan

Bank Personal Loan Rates & Fees

Personal loan are offered at competitive interest rates, ensuring that you save money and enjoy pocket-friendly EMIs.

If you are an existing customer, you can enjoy additional discounts on the interest rate and attractive personal loan processing fees.

Find out more about HDFC Bank’s personal loan interest rates and processing charges in the table below.

Enclosed below are HDFC Bank Personal Loan Interest Rates & Charges

FeeAmount to be Paid
Rack interest rateSalaried - 15.50% TO 21.50%
Loan processing chargesUp to 2.50% of the loan amount subject to a minimum of Rs. 2,999/- & Maximum of Rs. 25000/- for Salaried Customers.
Prepayment in Part or full
(Refer FAQ section for detailed terms)
Salaried - No pre-payment in part or full permitted until repayment of 12 EMIs

Part Payment allowed up to 25% of Principal Outstanding. It is allowed only once in a financial year and twice during Loan tenure.
Pre-payment charges
(on PrincipalOutstanding) /

Part Payment Charges
[on Part Payment amount]
Salaried - 13-24 Months - 4% of Principal Outstanding,
25-36 Months - 3% of Principal Outstanding
>36 Months - 2% of Principal Outstanding
Loan Closure LetterNIL
Duplicate Loan Closure LetterNIL
Solvency CertificateNot applicable
Overdue EMI Interest2% per month on EMI / Principal overdue
floating rateNot applicable
Charges for changing from floating to fixed rate of interestNot applicable
Stamp duty & other statutory chargesAs per applicable laws of the state
Credit assessment chargesNot applicable
Non standard repayment chargesNot applicable
Cheque swapping chargesRs 500/-
Amortization Schedule chargesRs 200/-
Loan cancellation chargesNIL (However client would be charged interest for the interim period between date of loan disbursement and loan cancellation and processing fees would be retained.)
Cheque bounce chargesRs. 550/- per cheque bounce
Legal/incidental chargesAt actual

Rates offered to customer during the period of Apr’19 to June'19.

IRRQ IV (2018-19)
Min IRR10.99%
Max IRR21.52%
Avg IRR12.90%

Annual Percentage Rate offered to customer during the period of Apr’19 to June'19.

APRQ IV (2018-19)
Min APR11.00%
Max APR30.00%
Avg APR13.14%

*Government Taxes and other levies as applicable will be charged over and above the Fees and Charges


Result 18 votes
Not Useful Happy Somewhat Useful Useful Very Useful
Loan EMI Calculator from 0 per month

Leave your messages

Loan calculator
Loan amount
Loan maturity
5 years
30 years
Paid on interest:
Monthly payment: