Bajaj FinservVSHDFC Bank
Bajaj Finserv vs HDFC Bank Personal Loan
Detailed side-by-side comparison — rates, eligibility, pros & cons. Find which is better for your profile.
Interest Rate
11–34%
10.5–24% ✓
Min CIBIL
685+ ✓
700+
Max Amount
₹40,00,000
₹40,00,000
Min Salary
₹20,000 ✓
₹25,000
Disbursal
24 hours
24 hours
Processing Fee
Up to 3.93%
Up to 2.5%
Prepayment
Up to 4.72%
2-4% of outstanding
Type
NBFC
BANK
Bajaj Finserv wins on 2 features, HDFC Bank wins on 1. But the best lender for you depends on your salary and CIBIL — not just the specs.
Bajaj Finserv
✅Flexible tenures (1-96 months)
✅Accepts 685+ CIBIL
✅Very wide reach across India
❌Higher interest rates for lower CIBIL
❌Processing fees can add up
HDFC Bank
✅Largest private bank — high trust
✅Competitive rates for 750+ CIBIL
✅Instant approval for existing customers
❌Strict CIBIL requirement (700+)
❌Higher rates for lower CIBIL
Frequently Asked Questions
Which is better — Bajaj Finserv or HDFC Bank for personal loan?
It depends on your profile. Bajaj Finserv offers rates from 11% (needs CIBIL 685+), while HDFC Bank starts at 10.5% (needs CIBIL 700+). GoCredit’s AI Loan Agent compares both and 50+ other lenders to find the best rate for your exact profile.
Bajaj Finserv vs HDFC Bank — which has a lower interest rate?
HDFC Bank has the lower starting rate at 10.5%. However, your actual rate depends on CIBIL score and salary. Check your personalised rate on GoCredit.
What is the minimum CIBIL score for Bajaj Finserv and HDFC Bank?
Bajaj Finserv requires 685+, HDFC Bank requires 700+. If your score doesn’t meet either threshold, GoCredit’s AI matches you with lenders that accept your current profile.
Should I apply to Bajaj Finserv or HDFC Bank?
Instead of choosing one, use GoCredit’s AI Loan Agent to apply to both simultaneously along with 50+ other lenders. You get the best offer without multiple applications and hard enquiries.
Why Compare Just 2?
GoCredit's AI Loan Agent compares 55+ lenders simultaneously and finds the absolute best rate for your exact profile — salary, CIBIL, and loan amount. One click, all offers.
Compare All 55+ Lenders — Free →🎯
Check Your Loan Eligibility
Instant result — no signup, no CIBIL impact