HDB Financial Personal Loan – Check Eligibility, Interest Rate & Documentation

Instant Approval
Minimal Documentation
Flexible Tenure Options

Apply online for a HDB Financial personal loan and access quick funds with minimal paperwork. Compare eligibility, interest rates, and documents in one place. Ideal for home renovation, medical needs, education, weddings, travel, or debt consolidation. Enjoy fast approval, flexible tenure, and a smooth 100% digital process designed for convenience.

Interest Rate
10% - 35%onwards
Loan Amount
upto ₹ 20 lacs
Processing Fees
0-3%
Loan Tenure
1 to 5 years
Apply Now Check Eligibility

Get a Personal Loan upto ₹25 Lakh in in 30 Minutes*

100% digital and secure process, 45% lower EMIs starting @ ₹1104/Lakh, Pay interest only on what you use with flexi loan.

Instant e-KYC No collateral Flexible tenure Trusted partner
Approval 2 minutes & Disbursal in 30 Mins*
Disclaimer: Fincrif India Pvt Ltd is not associated with HDB Financial for personal loans. Information here is for general guidance only. For official details, contact HDB Financial directly.
1+ Million

Happy Customers

Rs. 250+ crore

Monthly Personal Loans Disbursal

Wide Range of 60+

Partner Banks & NBFCs

Support team 500+

Team Size of Experts

Apply Online for HDB Financial Personal Loan

Applying for an HDB Financial Personal Loan online is a seamless process that ensures quick approval with minimal documentation. Whether you need funds for home renovation, medical expenses, travel, or debt consolidation, HDB Financial offers a variety of personal loan options designed to meet your financial needs.

Key Loan Features:

  • Interest Rate: Starts from 10% - 35% p.a.
  • Maximum Loan Amount: Up to ₹20 Lacs.
  • Processing Fees: Between 0% to 3% of the loan amount.
  • Loan Tenure: Flexible repayment options ranging from 1 to 5 years.
  • Trusted by Millions: Over 12,00,000+ satisfied customers.

Experience a 100% online process with no hidden charges, instant approval, and quick disbursal. HDB Financial makes it simple for you to apply for a personal loan and receive funds in just a few hours.

 

Eligibility Criteria for HDB Financial Personal Loan

To apply for an HDB Financial Personal Loan, you must meet the following eligibility criteria:

  1. Age Requirements:
    • Minimum Age: 21 years.
    • Maximum Age: 60 years (at the time of loan maturity).
  2. Residence:
    • Applicants must be residents of India.
  3. Employment:
    • Applicants should either be salaried professionals or self-employed individuals.
  4. Income:
    • The applicant must have a consistent monthly income. To qualify for a personal loan, the minimum monthly income requirement is ₹25,000.
  5. Work Experience:
    • Applicants should have at least 2 years of work experience (whether salaried or self-employed).
  6. Credit Score:
    • A good credit score is important for loan approval. Applicants with a CIBIL score of 700 or higher have a higher chance of securing the loan with favorable terms.

Documents Required for HDB Financial Personal Loan

To apply for the loan, you will need to provide the following documents:

  1. Identity Proof:
    • PAN Card, Aadhar Card, or Passport.
  2. Address Proof:
    • Aadhar Card, Passport, Voter ID, or Utility Bills (gas, electricity, etc.).
  3. Income Proof:
    • Bank statements for the last 6 months.
    • Form 16 (for salaried individuals).
    • Latest 3 months' pay slips.
  4. Signature Proof:
    • Passport or PAN Card can be used as signature proof.

Fees and Charges of HDB Financial Personal Loan

When applying for an HDB Financial Personal Loan, you should be aware of the following fees and charges:

  1. Loan Processing Fees:
    • Up to 3% of the loan amount sanctioned.
  2. Cheque/ECS Bouncing Fee:
    • ₹750 per instance.
  3. Late Payment Charges:
    • 3% per month on the overdue amount.
  4. PDC/ECS Swap Charges:
    • ₹750.
  5. Statement of Account:
    • ₹500.
  6. Document Retrieval Charges:
    • ₹750.
  7. Repayment Schedule Charges:
    • ₹500.
  8. Loan Cancellation Charges:
    • ₹1000 (only applicable if the loan is canceled within 7 days of disbursement).

HDB Financial offers competitive interest rates starting from 12% p.a. and a loan tenure of up to 5 years. The loan amount can go up to ₹20 Lacs, making it a suitable option for a wide range of financial needs.

Features and Benefits of HDB Financial Personal Loan

HDB Financial Services offers numerous advantages for customers who require financial support for personal needs. Here are the key features and benefits:

  1. Loan Amount:
    • Borrow up to ₹20 Lacs depending on your eligibility and financial requirements.
  2. Flexible Repayment Tenure:
    • A 5-year repayment term offers flexibility, allowing you to repay your loan in easy monthly installments (EMIs).
  3. Competitive Interest Rates:
    • The interest rate starts from 10% p.a. and can go up to 35% p.a., based on factors like your credit score, income, and loan amount.
  4. Quick Approval and Disbursal:
    • HDB Financial ensures fast loan processing and quick disbursal, so you can receive the funds you need when you need them most.
  5. No Collateral Required:
    • HDB Personal Loans are unsecured, meaning you don’t need to pledge any assets as collateral to qualify.
  6. Loans for Various Purposes:
    • Whether you need funds for home renovations, medical emergencies, family events, or travel, HDB Financial allows you to use the loan for any legitimate personal need.
  7. New to Credit Loan Option:
    • For individuals with little or no credit history, HDB Financial offers New to Credit loans, making it easier for those without an established credit score to access funds.

 

Frequently Asked Questions (FAQ)

1. What are the repayment options for my HDB Personal Loan?
You will repay your HDB personal loan through Equated Monthly Installments (EMIs). You can choose to have the EMI automatically debited from your bank account via the Automated Clearing House (ACH). Alternatively, repayments can be made through the HDB mobile app or net banking.

2. Does HDB Financial offer prepayment options?
Yes, you can prepay a portion of your loan or close your loan account early. However, this is only possible after paying at least 6 EMIs. There will be a prepayment charge of up to 4%, in addition to any applicable GST.

3. Can I cancel the loan if the disbursed amount is not used?
Yes, you can cancel the loan within 7 days of disbursement if the loan amount has not been used. A ₹1,000 cancellation fee will apply, and you can cancel the loan by contacting the nearest branch or emailing customer.support@hdbfs.com.

4. Are there any hidden charges?
No, HDB Financial maintains transparency throughout the loan process. The processing fee ranges from 0% to 3%, and other charges are clearly stated upfront. There are no hidden charges.

 


HDB Financial Personal Loans are an excellent financial solution for those in need of funds for various personal expenses. With low-interest rates starting at 10% p.a., flexible loan amounts up to ₹20 Lacs, and a 5-year repayment term, these loans cater to a wide range of needs. Whether you're looking to cover medical bills, home improvements, or any other personal expenses, HDB Financial ensures a quick, transparent, and hassle-free loan process.

With easy online applications, minimal documentation, and a trusted support team, HDB Financial is an ideal choice for anyone looking for financial assistance. Apply now and experience fast approval and disbursal to meet your personal financial needs!

Disclaimer: This content is for informational & educational purposes only. For complete and current details, please visit the official website.


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