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We all have dreams. We often dream of a refreshing holiday trip, a perfect wedding, to renovate our home or to buy that cool gadget. You can realise all your dreams with HDFC Personal Loan scheme. Some of the salient features of HDFC Personal Loan are

  1. Fixed reducing rate of interest
  2. No collateral required
  3. Easy and speedy paperwork
  4. Loan tenure of upto 60 months

 HDFC offers customized personal loan solutions for salaried person. HDFC also offers special personal loan for female employees.

Eligibility Criteria

  • Salaried
  • 21 - 60 years
  • 12,000 INR per month
  • Min. 2 years of work experience with 1 year at current job

Documentation Required

  • Salaried
  • Proof of Identity- Passport/ Driving License/ Pan Card/ Voter ID Card
  • Proof of Residence- Leave and License Agreement/ Utility Bill/ Passport
  • Last 3 months bank statement
  • Salary slip for 6 months 

Interest Rates & Other Charges

Interest Rates

15.75% - 20.0%

Processing Fee

0-2.5% of loan amount

Prepayment Charges

2.0% - 4.0% of Principal Outstanding

Late Payment Charge

24% per annum

Loan cancellation Charge


EMI Bounce Charge

550 INR Per Bounce

So, whatever your dream is, don’t wait anymore and apply at HDFC Personal Loan to get hassle free loans.


HDFC Home Loan provides easy loans to realise your dream of having your own beautiful home. HDFC home loans provide flexible interest rates, easy payment options and fast disbursal. HDFC also offers pre-approved home loans for chosen projects. HDFC also provides counseling and advisory service before acquiring a property. Female applicants are in general charged 5 basis points less than the average interest rates.

Eligibility Criteria

Applying for home loan depends on several factors. Some of the factors are

  1. City where property is located
  2. Purpose of loan, whether to buy or renovate, refinance a home loan or to acquire home loan without finalizing the property
  3. Current address
  4. Nature of employment and Income
  5. Co-applicant to enhance eligibility

Documents Required

  • Application form
  • Identity, Address proof
  • Last 6 months bank statement
  • Last 3 months salary slip
  • IT Returns for 2 years and Business Proof in case of self-employed

Interest Rates and Other Charges

Interest Rates

9.45% - 11.5%

Loan Processing Fee


Prepayment Fee

0 % - 2%

Late Payment Charge

1.5% per month

Cheque Bounce Charge

500 INR

HDFC also has pre-approved projects in various cities across India. Check out various cities that have pre-approved projects from HDFC Home Loan. he disbursal is quick and hassle free.


HDFC Gold Loan offers spectrum of opportunities. HDFC Gold Loan can be used to serve plethora of needs such as

  • Education for children
  • Business expansion or working capital needs
  • Down payment for purchase of property and vehicle
  • Agricultural needs
  • Medical emergency and others

HDFC also offers gold loan less than 50,000 INR for rural market.

Eligibility Criteria

HDFC allows its patrons to walk into any of its Gold Loan counters and avail loan amount of 50,000 INR and above by depositing their gold at attractive interest rates. HDFC Gold Loan offers most attractive per gram rate coupled with fast documentation process. HDFC also offers gold loan of 50,000 INR and less for rural markets.

Interest Rates and Other Charges

Loan Amount

10,000 INR - 15,00,000 INR

Interest Rates

10.7% - 15.5%

Loan Tenure

6 -48 months

Processing Fee

0 - 0.5%

Prepayment Fee

0 - 1% of Principal Outstanding

Documentation Required

  • Two passport size photograph
  • Identity proof such as Passport, PAN Card, Driving License, Aadhaar Card, Voter Card
  • Address proof such as Passport, Lease Agreement, Utility Bills

If you need to avail a short-term loan at lower interest rates, HDFC Gold Loan is a very useful financial instrument to go with.


HDFC Loan Against Property (LAP) offers mortgage loan against property at attractive interest rates for long tenures. So, if your loan requirement is high and you want a longer payout period HDFC Loan Against Property is the best loan instrument for you. HDFC offers quick disbursal and hassle-free documentation process for the HDFC Loan Against Property.

Some of the key features of HDFC Loan Against Property are

  1. Loan against property available for salaried and self-employed individuals
  2. Flexible interest rates ranging from 11.3% - 13.55%
  3. Prepayment fee of up to 2.5%
  4. Hassle-free documentations
  5. 1% Processing fee

If you want to avail higher loan amount for any of your personal or business needs for a longer loan tenure, HDFC Loan Against Property is the right financial tool for you.