FAQs about HDFC Personal Loan

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FAQs about HDFC Personal Loan
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Introduction

• HDFC Personal Loan is one of the most desired
  loan products in India.
• Popularity of this product is due to its brand
  name and its competitive features.
• Before applying for personal loan, you should ask
  these questions yourself. Frequently asked
  questions by customers to know about HDFC
  Personal Loan.

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Who can take a personal loan from HDFC Bank?

1. An applicant should be between 21 to 60 years of
   age.
2. Employees of private limited companies, public
   sector undertakings, including central, state and
   local bodies are eligible to apply for a loan. 

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Why to take a personal loan from HDFC Bank?

• The interest rate is very competitive.
• It starts from 11.25.
• There is flexibility of loan amount from ? 50,000
  to ? 15,00,000.

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What are the minimum income criteria for a
personal loan from HDFC Bank?

1. An individual residing in Tier 2 cities need to
   have minimum a monthly income of ? 15,000.
2. Those who are residing in Tier 1 and metropolitan
   cities like Bangalore, Chennai, Pune, Kolkata,
   Hyderabad, Ahmedabad and Cochin need to have ?
   20,000 as monthly income. 

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What are the additional charges?

1. Processing fee of 2.5 of the loan amount is
   applicable.
2. The minimum threshold is ? 1,999 and the maximum
   threshold is ? 25,000. 

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What is the minimum and maximum tenure of
personal loan?

• Usually ranges from 1 to 5 years.

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How much is the pre-payment charges on personal
loan from HDFC Bank?
13-24 Months 4 of principal outstanding
25-36 Months 3 of principal outstanding
gt36 Months 2 of principal outstanding
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How many years of stability are required
for availing a personal loan?

1. Total 2 years in employment.
2. At least minimum of 1 year is required in the
   current organization for a salaried person.

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How can I reach customer care department of HDFC
Bank?
Ahmedabad 07961606161
Bangalore 08061606161
Chandigarh 01726160616
Chennai 04461606161
Cochin 04846160616
Delhi NCR 01161606161
Hyderabad 04061606161
Indore  07316160616
Jaipur 01416160616
Kolkata 03361606161
Lucknow 05226160616
Mumbai 02261606161
Pune 02061606161
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Thank You !!!