we regularly face difficulties to satisfy a particular monetary need or want past our ability. Be it wedding costs, assets in a crisis, satisfying medicinal costs or some other installments, we give you the ideal Personal Loan to arrangement to live life your way!
Some banks are providers of Personal Loan in India.
The following people are eligible to apply for a Personal Loan:
How to apply Personal Loan:
You can make an online personal loan application in just a few clicks
Which documents are require for Personal Loan :
Rate and Fees:
- Employees of private limited companies, employees from public sector undertakings, including central, state and local bodies
- Individuals between 21 and 60 years of age
- Individuals who have had a job for at least 2 years, with a minimum of 1 year with the current employer
- Those who earn a minimum of Rs. 15,000 net income per month (Rs. 20,000 in Mumbai, Delhi, Bengaluru, Chennai, Hyderabad, Pune, Kolkata, Ahmedabad, Cochin)
How to apply Personal Loan:
You can make an online personal loan application in just a few clicks
Which documents are require for Personal Loan :
- Identity proof (copy of passport/voter ID card/driving license/Aadhaar)
- Address proof (copy of passport/voter ID card/driving license/Aadhaar)
- Bank statement of previous 3 months (Passbook of previous 6 months)
- Latest salary slip/current dated salary certificate with the latest Form 16
Rate and Fees:
Enclosed below are HDFC Bank Personal Loan Interest Rates & Charges
| Fee | Amount to be Paid |
|---|---|
| Rack interest rate | Salaried - 15.50% TO 21.50% |
| Loan processing charges | Up to 2.50% of the loan amount subject to a minimum of Rs. 1,999/- & 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 Letter | NIL |
| Duplicate Loan Closure Letter | NIL |
| Solvency Certificate | Not applicable |
| Overdue EMI Interest | 2% per month on EMI / Principal overdue |
| floating rate | Not applicable |
| Charges for changing from floating to fixed rate of interest | Not applicable |
| Stamp duty & other statutory charges | As per applicable laws of the state |
| Credit assessment charges | Not applicable |
| Non standard repayment charges | Not applicable |
| Cheque swapping charges | Rs 500/- |
| Amortization Schedule charges | Rs 200/- |
| Loan cancellation charges | NIL (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 charges | Rs. 550/- per cheque bounce |
| Legal/incidental charges | At actual |
Rates offered to customer during the period of July'18 to Sept'18.
Annual Percentage Rate offered to customer during the period of July'18 to Sept'18.| IRR | Q I (2018-19) |
|---|---|
| Min IRR | 10.75% |
| Max IRR | 21.28% |
| Avg IRR | 12.99% |
| APR | Q I (2018-19) |
|---|---|
| Min APR | 10.76% |
| Max APR | 25.26% |
| Avg APR | 13.21% |
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