HDFC Bank Personal Loan EMI Calculator
Calculate your monthly EMI for HDFC Bank personal loans at 10.5%-24% interest for amounts up to ₹40,00,000.
₹
₹50,000₹40,00,000
%
10.5%24.0%
12 Mo60 Mo
Monthly EMI
₹9,275
Total Interest
₹22,605
Total Payment
₹2,22,605
Monthly EMI
₹9,275
Principal Amount
₹2,00,000 (89.8%)
Total Interest
₹22,605 (10.2%)
Amortization Schedule
| Year | Principal | Interest | Total Paid | Balance |
|---|---|---|---|---|
| Year 1 | ₹94,775 | ₹16,525 | ₹1,11,300 | ₹1,05,225 |
| Year 2 | ₹1,05,219 | ₹6,081 | ₹1,11,300 | ₹6 |
HDFC Bank Personal Loan at a Glance
Interest Rate
10.5%
to 24%
Max Amount
₹40,00,000
min ₹50,000
Min CIBIL
700
minimum score
Tenure
Up to 60 mo
min 12 months
HDFC Bank Loan Details
| Interest Rate | 10.5% — 24% p.a. |
| Loan Amount | ₹50,000 to ₹40,00,000 |
| Tenure | 12 to 60 months |
| Processing Fee | Up to 2.5% |
| Prepayment Charges | 2-4% of outstanding |
| Min CIBIL Score | 700+ |
| Min Monthly Salary | ₹25,000 |
| Age Requirement | 21 to 60 years |
| Employment Types | Salaried, Self-employed |
| Disbursal Time | 24 hours |
EMI Example: ₹2,00,000 at 10.5%
Loan Amount: ₹2,00,000
Interest Rate: 10.5% p.a. (best rate)
Tenure: 24 months
Monthly EMI: ₹9,275
Total Interest: ₹22,600
Total Payment: ₹2,22,600
Pros
- +Largest private bank — high trust
- +Competitive rates for 750+ CIBIL
- +Instant approval for existing customers
- +Paperless digital process
- +High loan amounts up to ₹40L
Cons
- -Strict CIBIL requirement (700+)
- -Higher rates for lower CIBIL
- -Processing fee can be high
HDFC Bank EMI Calculator — FAQs
What is the EMI for a HDFC Bank personal loan?
For a ₹2,00,000 loan at 10.5% interest for 24 months, the EMI would be approximately ₹9,275 per month. Total interest payable would be ₹22,600. Use the calculator above to try different amounts and tenures.
What interest rate does HDFC Bank charge on personal loans?
HDFC Bank charges personal loan interest rates starting from 10.5% p.a. going up to 24% p.a. The actual rate depends on your credit score, income, employment type, and existing obligations. A CIBIL score of 750+ typically gets you rates closer to the lower end.
What is the minimum CIBIL score for a HDFC Bank personal loan?
The minimum CIBIL score required for a HDFC Bank personal loan is 700. A higher score (750+) will help you get a lower interest rate and better terms.
Can I prepay my HDFC Bank personal loan early?
HDFC Bank's prepayment policy: 2-4% of outstanding. Prepaying your loan reduces the outstanding principal and can save you significant interest over the remaining tenure. Use the calculator to see how much you can save.
How fast does HDFC Bank disburse personal loans?
HDFC Bank typically disburses personal loans within 24 hours. Disbursal time depends on document verification, KYC completion, and your profile. Existing HDFC Bank customers may get faster disbursal through pre-approved offers.
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Calculate EMI →Compare HDFC Bank with 14 other lenders — automatically
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