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HDFC Bank Personal Loan

 

HDFC Bank Personal Loan

  • Borrow up to Rs 15,00,000 for any purpose depending on the requirements.
  • Flexible Repayment options, ranging from 12 to 60 months.
  • Repay with easy EMIs.
  • One of the lowest interest rates.
  • Hassle free loans - No guarantor/security/collateral required.
  • Speedy loan approval.
  • Convenience of service at your doorstep.

Features


Eligibility

Salaried 
  • Minimum age of Applicant: 21 years
  • Maximum age of Applicant at loan maturity: 60 years
  • Minimum employment: Minimum 2 years in employment and minimum 1 year in the current organization
  • Minimum Net Monthly Income: Rs. 10,000 per month (Rs. 15,000 in Mumbai, Delhi, Bangalore, Chennai and Hyderabad & Rs. 12,000 in Calcutta, Ahmedabad and Cochin)


Self Employed (Professionals) include self - employed Doctors, Chartered Accountants, Architects, Company Secretaries.
  • Minimum age of Applicant: 25 years
  • Maximum age of Applicant at loan maturity: 65 years
  • Years in business: 4 to 7 years depending on profession
  • Minimum Annual Income: Rs. 100000 p.a.

Loan Amount

You can avail of a loan from Rs 50,000/- to Rs 15,00,000/- depending on your income and repayment capacity. You can club the income of your spouse if you wish to increase your loan amount.

Margin


Repayment Period


Documents Required

Salaried 
  • Proof of Identity (Passport Copy/ Voters ID card/ Driving Licence)
  • Address Proof (Ration card Tel/Elect. Bill/ Rental agr. / Passport copy/Trade licence /Est./Sales Tax certificate)
  • Bank Statements (latest 3 months bank statement / 6 months bank passbook)
  • Latest salary slip or current dated salary certificate with latest Form 16


Self Employed (Professionals) include self - employed Doctors, Chartered Accountants, Architects, Company Secretaries.
  • Proof of Identity (Passport Copy/ Voters ID card/ Driving Licence).
  • Address Proof (Ration card Tel/elect. Bill/ Rental agr. / Passport copy/Trade licence /Est./Sales Tax certificate).
  • Bank Statements(latest 6 months bank statement /passbook)
  • Latest ITR along with computation of income, B/S & P&L a/c for the last 2 yrs. certified by a CA
  • Qualification proof of the highest professional degree

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