Interest rates on personal loans are a proportion of the principal and represent the yearly borrowing costs established by banks and non-banking financial organisations (NBFCs). Credit ratings, income, and repayment capacity are some of the variables that affect these rates, which differ significantly between lenders. While some public sector banks might provide more affordable rates, HDFC Bank Personal Loan Rate of Interest 2025 start at 10.85% annually. These rates are set by lenders depending on applicant credit risk, funding expenses, and net interest margins. It is important for everyone to qualify through the HDFC Personal Loan Eligibility Criteria 2025 and then apply for loan at lowest RoI.
HDFC Bank Personal Loan Rate Of Interest 2025
Banks and NBFCs determine the interest rates on personal loans, which represent the yearly cost of borrowing expressed as a percentage of the principal. These rates differ from one lender to the next and are influenced by variables such as income and credit scores. Some public sector banks might provide better possibilities, although private sector lenders usually start rates at 10.49% annually. Credit risk, net interest margins, and funding expenses all affect rates. HDFC Bank Personal Loan Rate of Interest 2025 starts at 10.85% annually, with loan amounts ranging from ₹50,000 to ₹40 lakh and repayment periods of up to six years.
HDFC Bank Personal Loan Interest Rate 2025
| Article | HDFC Bank Personal Loan Rate Of Interest 2025 |
| Bank | HDFC Bank |
| Country | India |
| HDFC Bank Personal Loan Interest Rate 2025 | 10.85% pa to 24% pa |
| Loan Tenure | 3 to 6 Months |
| Category | Finance |
| Official Website | www.hdfcbank.com |
Who Is Eligible For HDFC Bank Personal Loan In 2025?
Applying for a personal loan at HDFC requires you to fulfil certain HDFC Personal Loan Eligibility Criteria 2025. These include:
- Age Range: You must be between the ages of 21 and 60.
- Nationality: You should hold Indian citizenship.
- Employment: You may work for yourself or receive a salary.
- Income per Month: If you are self-employed, your minimum monthly income should be Rs. 50,000, and if you are salaried, it should be Rs. 25,000.
- At least two years of work experience, with at least one year spent with the current employer
HDFC Bank Personal Loan 2025 : Documents Required
- Identity Proof Documents: Driver’s license, voter ID card, or Aadhaar card
- Proof of address documents, such as utility bills, a lease, or a passport
- Bank Account Records: Three months’ worth of bank statements or six months’ worth of passbooks
- Income proof documents include the most recent two months’ worth of pay stubs or a pay certificate accompanied by the most recent Form 16.
HDFC Bank Personal Loan Amount & Interest 2025
Here are some important facts about HDFC Bank Personal Loan Amount & Interest 2025:
| Rate of Interest | 10.85% pa to 24% pa |
| Loan Tenure | 3 to 6 months |
| Processing fees | Up to 2.50% of the Loan Amount |
| CIBIL Score | Above 720 |
| Minimum Salary Required | Rs 25,000 in Net Income |
| Prepayment | Up to 25% of the principal outstanding amount |
How To Calculate HDFC Bank Personal Loan EMI In 2025
An online HDFC Bank personal loan EMI calculator can be used to calculate the monthly instalments, ensuring on-time payments and preventing loan payback difficulties.
The following describes how to use this calculator:
1. Go to HDFC Bank’s official EMI Calculator website.
2. Manually enter the required values or modify the sliders.
3. To determine your monthly payments, click the “Calculate” option.
The EMI amount will appear on your screen after it is finished.
FAQs On HDFC Bank Personal Loan Rate Of Interest 2025
The current interest rate range for HDFC Bank personal loans is 10.75% pa to 24% pa.
An EMI of Rs. 25,942 per month will be required for the aforementioned personal loan if the interest rate is 10.75% pa.
You cannot get a personal loan from HDFC Bank with variable interest rates.