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HDFC Personal Loan

Loan Name Interest Rate Processing Fee Loan Amount Tenure
HDFC Bank Personal Loan 15.50% - 21.50%, Fixed up to 2.50% of loan amount 40L Max 1-5 years
Details
Documents Required

  • Proof of Identity and Residence: Aadhaar Card, Passport, Driving License, Election ID Card
  • Duly filled in application form along with recent passport size photographs
  • Proof of Income: Last 6 months Bank statement showing salary credits, latest Form 16 and Income Tax Returns, Recent 3 months Salary Slips
  • Bank statements for the last 6 months
  • Employment Contract / Appointment Letter
  • Recent Pay Slip / Current dated salary certificate with the latest Form 16.
Benefits

  • The applicant gets 30 years to repay the loan
  • Attractive Interest Rates
  • Affordable and easier equated monthly instalments over the tenure of the loan
Eligibility

  • The minimum age of the applicant should be 21 years.
  • The maximum age of the applicant should be 60 years.
  • The applicant should be an Indian resident.
  • Individuals who are employed in private limited companies, public sector undertakings, central government, state government and local bodies are eligible to secure a personal loan
  • Individuals who are currently employed for at least 2 years, ewith minimum 1 year of experience with the current employer
  • An applicant will get a maximum tenure of 60 months to repay the loan.
  • Individuals who earn a minimum salary of Rs 15,000 per month (Rs 20,000 a month if they reside in metro cities like Bengaluru, Delhi, Mumbai, Chennai, Kolkata, Pune, Ahmedabad, Cochin).
Other Details

  • Get Personal Accident Cover up to Rs 8 lakhs and Critical Illness Cover of up to Rs 1 lakh.
  • The applicant can get a personalized product at special rates, offers and charges.
  • Get an option to get a flat processing fee of only Rs 1999 + applicable taxes
  • Loan Processing Fee for Salaried Individuals: Up to 2.50% of loan amount (minimum of Rs 1,999 and maximum of Rs 25,000)
  • No – prepayment either in full or part is permitted until repayment of 12 equated monthly instalments.
Hdfc Business Loan Up to 21.90% 2.50% of the loan amount Up to Rs 50 lac Up to 48 months
Details
Documents Required

  • Identity proof- PAN card, Aadhar Card, Voter id card, Driving license, Passport.
  • Bank statement of last 6 months.
  • Profit and loss account of the last 2 years.
  • Sales tax certificate, Trade license, ITR required as proof of continuation.
  • Recent passport size photograph.
  • Duly signed loan application form.
Benefits

  • Get quick disbursal feature.
  • Completely transparent in order to make your business loan more unique within a short period of time.
  • Incomparable pricing
  • No collateral, guarantor or security required.

Credit Protect Plan

  • Protect your loved ones by paying a minimal premium with credit protect feature.
  • In case of natural/accidental death of the individual, the nominee can avail the credit protect insurance.
  • The premium of credit protect will be deducted from the loan amount at the time of payment.
  • Credit protect plan protects your family by paying off the loan amount in case of death of the individual.
  • No need to take use of other saving options to repay the loan amount.
  • 2 benefits in one package- Loan+Insurance.
Eligibility

  • Self-employed individual, owner of a land or property and partnership firms involved in the business of manufacturing and trading.
  • The existing business must have a minimum turnover of Rs 40 lac.
  • Must have a minimum of 3 years to 5 years of business experience.
    The existing business must have a good profit in the previous 2 years.
  • The existing business must have a minimum income of Rs 1.5 lac per annum.
  • Must have a minimum age limit of 21 years at the time of applying loan to a maximum of 65 years at the time of maturity.
  • Resident type- Must be an Indian.
Other Details

What is a Business Loan?

This loan is taken by the individuals to meet their business finance requirements. An individual who wants to start his new business or want to expand his existing business is take help of business loan. The business loan procedure is quick and simple and no hidden cost is charged. Business loans always remain transparent to customers.

Business loan is of two types

Secured loan- In secured loan individuals give security like land, machinery, property etc. Secured loans have very less interest rates.

Unsecured loan- This a type of loan where individuals take a loan without any security. Unsecured loans have high-interest rates with a high risk to the individual and also to the bank.

Hdfc Business Loan

HDFC bank provides flexible loan options like short term loan, medium-term loan and long term loan to the individuals for their business expansion. Hdfc bank provides low-interest rates, minimum documentation and high eligibility for loan amounts. HDFC business loan is specially designed to meet each and every business needs of businessman, professionals, non-professionals and other individuals. Hdfc business loan is the most popular and best choice for most of the individuals for its unique features and fast processing. Get up to Rs 50 lac loan amount within 48 hours with a hassle-free process and doorstep service.

Features

  • In addition to loan HDFC business loan also provide special benefits like overdraft facility and flexible tenure options.
  • Get transcendent features like eligibility check-in 60 seconds which is as faster as a flash and also get credit protection plan.
  • Stay in touch with your business loan through 24*7 SMS, webchat, Click2talk and net banking facility.
  • Transfer your existing business loan to the Hdfc bank for lower and get amazing benefits like low interest of 15.75% and low processing fees of 0.99% on the existing loan transfer.
  • Get overdraft facility of Rs 5 lac to Rs 15 lac without any security.
  • Get 12-48 months of tenure in overdraft facility.
  • Get low-interest rate in overdraft facility.

Charges

  • Loan processing fees- Up to 2.50% of the loan amount to a subject of minimum Rs 2359 to a maximum of Rs 88500/-
  • Interest rate- 12.75% - 21.90%
  • Loan closure fee- NIL
  • Duplicate loan closure fee- NIL
  • Overdue EMI interest- 2% per month on EMI
  • Cheque swapping charges- Rs 500
  • Loan cancellation charges- NIL
  • Cheque bounce charges- Rs 550/-
  • No prepayment charges required until repayment of 6 EMIs.

Pre-Payment Charges

  • 4% of principal outstanding in case of pre-payment due period is 7-24 months.
  • 3% of principal outstanding in case of pre-payment due period is 25-36 months.
  • 2% of principal outstanding in case of pre-payment due period is more than 36 months.
Hdfc Education Loan for Indian Education Up to 14.13% Maximum 1% of the loan amount+applicable GST Rs 10 lac Up to 15 years
Details
Documents Required

  • Identity proof- PAN card, Aadhar Card, Voter id card, Signature proof
  • Residential proof- Utility bills, Aadhar card, PAN card
  • Educational proof required of SSC, HSC and graduation
  • Salary slip of last 2 months
  • Bank statement of last 6 months.
  • Sales tax certificate, Trade license, ITR required as proof of continuation.
  • Audited balance sheet of last 2 years.
  • Completed loan agreement to be signed by the student and co-applicant
  • Additional documents for further disbursements:-
  • Disbursement letter to be duly signed by the student.
  • Fee demand letter
  • Academic report and mark sheet of the student.
  • Receipt of previous disbursements/semester issued by the institute or college.
  • In case of repayment instructions- 3 security PDCs in case of ECS and SI mode of payment.
Benefits

  • Doorstep service provided by the bank.
  • Reasonable charges and pricing
  • Avail tax benefits under section 80[E]
  • Insurance cover in case of death
  • 2 benefits in one package- Loan+Insurance.
Eligibility

  • Resident type- Must be an Indian.
  • Student must have a minimum age of 16 years to a maximum of 35 years old.
  • Must have a valid educational proof.
Other Details

Hdfc education loan provides loan to the students who are willing to study higher across India. It provides a high loan amount with minimum documentation and fast disbursements. All Graduate, Post-Graduate, Engineering, Medical and Master degree students can avail this loan. Hdfc education loan is specially designed to meet each and every requirement of the students. Hdfc education loan is one of the most popular and best choice loan for Indian parents and students in order to achieve their dreams and goals. In addition, Hdfc education loan offers a distinctive feature of withdrawing loan amount from local Hdfc assets centres that make it possible to take an education loan just like taking out cash from an ATM. Every year most of the students take admissions in top universities of the country and get success ahead in their life due to Hdfc education loan.

Features

  • Students can get a maximum loan amount of Rs 10 lac to study across India.
  • Students can make their parents or guardians as a joint borrower.
  • No security required on the loan amount up to Rs 4 lac.
  • Tangible security required on the loan amount of above Rs 7.5 lac
  • Residential property or land, LIC, Hdfc bank fixed deposit, NSC or KYP policy are accepted as collateral securities.
  • When you avail Hdfc education loan for Indian education the Hdfc bank will provide insurance protection in order to secure your education loan in the form of Credit Protect from Hdfc Life.
  • Disburse your loan quickly with unique doorstep service and minimum documentation process.
  • Hdfc education loan for Indian education provides 100% transparency feature as there is no hidden cost charge in your loan amount.
  • You can also get tax benefits under section 80(E) of the Income Tax Act 1961 by sending an e-mail to the official Hdfcbank site and get your interest certificate.
  • Get maximum loan tenure of 10 years for the loan amount of Rs 7.50 lac
  • Get maximum loan tenure of 15 years if the loan amount is more than 7.50 lac.
  • Credit protect plan protects your family by paying off the loan amount in case of death of the individual.
  • Protect your loved ones by paying a minimal premium with credit protect feature.
  • No collateral, guarantor or security required.

Charges and Fees

  • Loan processing charges- Minimum Rs 1000 or maximum 1% of the loan amount.
  • Pre-payment charges- Up to 4% of the outstanding balance if the loan is foreclosed/part prepaid during the moratorium period. No prepayment will be charged if the loan is foreclosed after the expiry of moratorium period.
  • NOC- NIL
  • No dues certificate- NIL
  • Solvency certificate- NIL
  • Overdue charges- 24% per annum of the outstanding amount from the EMI due date.
  • Credit assessment charges-NIL
  • Non-standard repayment charges- NIL
  • Cheque swapping charges- Rs 500
  • Duplicate repayment charges- Rs 200
  • Loan rescheduling charges- Up to Rs 1000
  • EMI return charges- Rs 550
  • Loan cancellation charges- NIL
Hdfc Education Loan for Foreign Education Up to 14.5% 1.5% of the loan amount+applicable tax Up to Rs 20 lac Up to 12 years
Details
Documents Required

  • Institute admission letter for USA applicant I-20 Form and for UK applicant CAS letter
  • Academic certificates and mark sheets
  • Identity proof- PAN card, Aadhar Card, Voter id card, Signature proof
  • Residential proof- Utility bills, Aadhar card, PAN card
  • Signature verification
  • Salary slip of last 3 months
  • Bank statement of last 6 months.
  • Form-16 required along with 1 year income tax return.
  • Sales tax certificate, Trade license, ITR required as proof of continuation.
  • Audited balance sheets of last 2 years.
  • Recent passport size photograph.
  • Loan agreement form to be duly signed by the applicant and co-applicant.
  • In case of repayment instructions- 8 security PDCs in case of ECS and SI mode of payment.
  • Fee demand letter
  • Disbursement letter to be duly signed by the student.
Benefits

  • Besides quick and easy disbursals Hdfc education loan provides flexible terms and reasonable interest rates for top-ranked institutes.
  • Hdfc education loan for foreign education provides 100% transparency feature as there is no hidden cost charge in your loan amount.
  • Get quick disbursal feature.
  • Get attractive loan rates
  • Get attractive interest rates
Eligibility

  • Resident type- Must be an Indian.
  • Must have a minimum age of 16 years to a maximum of 35 years old
  • Students are eligible those who can offer collateral in some cases.
  • Students are eligible who can make their parents or guardians as a joint borrower.
Other Details

Students who are willing to grow their career in abroad Hdfc foreign education loan focus o those students and make them eligible to pursue the course of their choice and achieving a great future in abroad. This loan also provides no margin payment feature and no prepayment charges based on the institute/university and academic records of the student. Students who are willing to pursue their career in USA, UK, Netherland, Singapore, Canada and other locations can manage all their expenses under Hdfc education loan. Hdfc bank provides funds applicable for over 950 courses across 36 countries.

Features

  • Get up to 100% finance when you avail education loan for foreign education.
  • Get more than Rs 20 lac as education loan
  • EMI facility is available in order to repayment of loan.
  • Hdfc bank provides privileged rates for top-ranked universities and institutes.
  • Get flexible loan terms and reasonable interest rates.
  • Disburse your loan quickly with unique doorstep service and minimum documentation process.
  • Get in touch with your loan from anywhere you want Hdfc bank provides web billing and servicing feature to let you access the loan information 24*7.
  • One of the most popular and top-rated choice of Indian students Hdfc Credila provides quick services that offers finance for students over 950 courses in more than 4000 educational institutes across 36 countries in the world.
  • The Hdfc education loan amount reach your each and every part of your studies like tuition fees, books, travel, laptops, house rent and much more.
  • You can also get tax benefits under section 80(E) of the Income Tax Act 1961 by sending an e-mail to the official Hdfcbank site and get your interest certificate.
  • You can use the loan sanction letter as proof of funds and plan the finances of your education even before the admission date is confirmed.
  • Students can also build a good credit history by pursuing the loan amount themselves.

Charges

  • Loan processing fees- 1.5% of the loan amount
  • Pre-payment charges- NIL
  • NOC- NIL
  • No dues certificate- NIL
  • Overdue EMI interest- 2% of the installment per month.
  • Cheque bounce charges- Rs 400
  • Loan cancellation charges- 1% of the loan sanctioned amount
  • Charges for updating loan account- Rs 1500
Hdfc Gold Loan 11.75% onwards 1.5% of the loan amount+applicable tax Up to Rs 50000 Up to 24 months
Details
Documents Required

  • Valid passport
  • Valid driving license
  • Voter Id card
  • Salary slip of last 3 months
  • Bank statements of last 6 months.
  • Valid Aadhar card
  • Copy of utility bills
  • Valid PAN card or Form 60
Benefits

  • Disburse your loan quickly with unique doorstep service and minimum documentation process.
  • Get in touch with your loan from anywhere you want Hdfc bank provides web billing and servicing feature to let you access the loan information 24*7.
  • Besides quick and easy disbursals Hdfc gold loan provides flexible terms and reasonable interest rates.
  • Get quick disbursal feature.
  • Get attractive loan rates
  • Get attractive interest rates
  • Get loan tenure of 3 months to 24 months.
Eligibility

  • Must have a minimum age of 21 to a maximum of 70 years.
  • Resident type- Must be an Indian.
  • Both salaried and non-salaried are applicable
  • The gold must have a minimum weight of 10 grams and purity must be 18 carats to 22 carats.
  • Must have a good source of income.
Other Details

One loan more benefits. Hdfc gold loan helps you to take loan for different needs like weddings, education, business purposes and much more as per your requirement. Under this scheme applicant can avail gold loans for purchasing golds which includes gold coin, gold ornaments, gold jewellery and much more. This loan is for both salaried and non-salaried individuals including farmers and others. Hdfc bank gold loan scheme offers loan under Sampoorna Bharosa Gold Loan which optimize your investment in gold in quick and hassle-free way with low-interest rates and guaranteed security.

Features

  • Get a minimum loan amount of Rs 10000 to a maximum of Rs 50,000/-
  • Get instant funds against your gold and repay at your timeliness.
  • Get EMI option to repay the loan amount
  • Get overdraft facility against your loan amount.
  • Get reasonable interest rates on term loan.
  • Get rid from the safety of gold as Hdfc bank put your surrendered gold in a secured locker to keep it safe from being lost.
  • Get minimum documentation facility and take your loan amount in just 45 minutes.
  • No need to worry about hidden costs or extra charges as the loan rates and charges communicated up in the form of writing.

Charges

  • Loan processing charges- 1.5%+GST
  • Valuation charges- Minimum Rs 250 to a maximum of Rs 500
  • Foreclosure charges- 2% of the loan amount
  • Late payment charges- 2% per annum
  • Renewal charges- Rs 350+GST
  • Interest rates- 11.75% onwards
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