HDFC Bank Personal Loan - Interest Rates Charges in Delhi NCR through LoanMoney

Interest Rates Charges for HDFC Bank Personal Loan

HDFC Personal Loan interest rates is one of the first parameters that one considers along with other value adds like pre-closure options, part payments etc. Interest rates are the rate at which the bank is willing to lend money to you which in turn is their source of income. Let us have a basic understanding of how Personal Loan interest rates are calculated.

The Bank has deposits from customers like you in the form of Fixed Deposits, balance in the savings account and so on. The bank has a certain payout for these deposits. This payout is considered as the cost of capital for the banks and they lend at an interest higher than their cost of capital accounting for the risk involved with the customer who they are lending to. Quick Form for Personal Loan in Delhi NCR Click here

HDFC Bank Personal Loan Interest Rates Charges

Enclosed below are HDFC Bank Personal Loan Interest Rates Charges

Fee Amount to be Paid
Rack interest rate Salaried - 15.75% to 20%
Loan processing charges Up to 2.50% of the loan amount subject to a minimum of Rs. 1,000/- & Maximum of Rs. 25000/- for Salaried Customers.
Prepayment Salaried - No pre-payment permitted until repayment of 12 EMIs
Pre-payment charges Salaried - 13-24 Months - 4% of Principal Outstanding,
25-36 Months - 3% of Principal Outstanding,
36 Months - 2% of Principal Outstanding
No Due Certificate/No Objection Certificate (NOC) NIL
Duplicate of No Dues Certificate/NOC NIL
Solvency Certificate Not applicable
Charges for late payment of EMI 24% per annum on amount outstanding from date of default
Charges for changing from fixed to floating rate of interest 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
CIBIL Report Copy Charges Rs.50 per copy

Rates offered to customer during the period of July 2016 to September 2016.

APR Q II (2016-17)
Min APR 11.00%
Max APR 23.31%
Avg APR 13.81%

Annual Percentage Rate offered to customer during the period of July 2016 to September 2016.

APR Q II (2016-17)
Min APR 11.00%
Max APR 23.31%
Avg APR 13.81%

*Service Tax and other Government taxes, levies etc. applicable as per prevailing rate will be charged over and above the Fees and Charges

How to apply for HDFC Bank Personal Loan

There are several ways of applying for an HDFC Bank Personal Loan

  • You can apply directly online at the HDFC website
  • You can go to your nearest branch with the required documentation.
  • You can contact the customer care department of HDFC. Quick Form for Personal Loan in Delhi NCR Click here
  • Need help with advice on eligibility and on which loan offer suits you the best?

If you want to apply for HDFC Personal Loan (LINK) with the lowest interest rates as applicable to your unique credit profile, LoanMoney can guide you through the entire application process and match you with the loan offer best suited to your credit needs

HDFC Personal Loan Process:

Personal Loan is a simple hassle free process of acquiring personal finance with minimal documentation and within quick time. The bank will require the borrowers documents regarding the proof of identity, residence along with income proof / ITR of last 2 years to initiate the process for loan sanction.

After verifying the documents and checking the borrowers credit score with Credit Information Bureau (India) Limited commonly known asCIBIL, the bank may decide whether to approve or reject the Personal Loan. Quick Form for Personal Loan in Delhi NCR Click here

Loan from HDFC Bank in Delhi NCR

HDFC Bank personal loans can help meet all your financial needs effectively. With simplified documentation and speedy approvals, availing personal loans couldn’t get easier. Whatever be your need HDFC have a loan for you. Over the years HDFC Bank have won the trust of customers and have become market leaders in loan products. Read more...

HDFC Bank Personal Loan in Delhi NCR

HDFC Bank personal loans can help meet all your financial needs effectively. With simplified documentation and speedy approvals, availing personal loans couldn’t get easier. Whatever be your need HDFC have a loan for you. Over the years HDFC Bank have won the trust of customers and have become market leaders in loan products. Read more...

HDFC Bank Personal Loan in Delhi/NCR through LoanMoney

Know more about HDFC Bank Personal Loan in Delhi NCR

Features & Benefits for HDFC Bank Personal Loan in Delhi NCR through LoanMoney

HDFC Personal Loans are great when it comes to dealing with life’s financial challenges. There are number of times when you need quick money for a number of reasons, it could be a medical emergency, or an urgent housing renovation, a foreign holiday, a family wedding or any other such thing. Getting HDFC Bank Personal Loan not only helps you get by, quick repayment of it improves your credit score thus enabling you to take bigger help next time, in case the need arrives. Read more...

Eligibility & Documentation for HDFC Bank Personal Loan in Delhi NCR through LoanMoney

Learn more about the eligibility criteria andthe documents required for availing a HDFC Bank personal loan. The documentation for a HDFC Bank personal loan varies from individual to individual. The requirements are based on your profession, income and loan requirement. Read more...

Fees and Charges for HDFC Bank Personal Loan in Delhi NCR through LoanMoney

HDFC Personal Loan interest rates is one of the first parameters that one considers along with other value adds like pre-closure options, part payments etc. Interest rates are the rate at which the bank is willing to lend money to you which in turn is their source of income. Let us have a basic understanding of how Personal Loan interest rates are calculated. Read more...

Frequently Asked Questions for HDFC Bank Personal Loan in Delhi NCR through LoanMoney

Have a Question regarding Personal Loans? Check out Frequently Asked Questions about Personal Loans. Find the answers to all your Personal Loan queries and Get your clarification right here. Read more...

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Personal Loan in Delhi NCR through LoanMoney

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In this context, it is pertinent to consider an invaluable alternative source of finance known as Loan Against Property (LAP). This is a loan borrowed by placing one's owned property as collateral. The funding may be given by financial institutions after scrutinizing the validity of the said property and its current market value.

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Why choose LoanMoney for taking Personal Loan in Delhi NCR

  • Easily Available: - Personal Loans are offered at reasonable interest rates and it is easy and convenient to get Personal Loan from in comparison to Personal Loans from other Banks or NBFCs.
  • No Agent or Middleman Charges: - In order to get Personal Loan, you do not have to pay any agent or middleman charges. LoanMoney as your Loan Agency help you avoid unnecessary delays and expenses. You can directly approach the LoanMoney for Personal Loan for the immediate financial need. Quick Form for Personal Loan in Delhi NCR Click here
  • Unsecured Loan: - Personal Loan is an unsecured loan. There is no collateral security required in order to get this Personal Loan. All that is required is your ability to pay back the money. You are not required to mortgage any of your assets or provide for any kind of guarantee.
  • Less Processing Time: - LoanMoney guarantees that the processing time involved in getting  Personal Loan is very less.
  • All Purpose Loan: - Personal Loans is such where it is not mandatory for you to specify the cause for which you are to use the money. You can use the amount credited in your name for any purpose.
  • Minimum Paperwork: - LoanMoney ensures that getting a Personal Loan does not require verification of any asset or any other kind of proofs and certificates that involve a lot of paperwork.
  • Schemes and Offers: - LoanMoney keeps you updated with special schemes and offers of  Personal Loans for professionals like Chartered Accountants, Doctors and Architects etc.
  • Amount and Tenure: - Personal Loans are offered ranging from Rs15K to Rs 20 lakh. The repayment can be made through EMIs which is an option available. Loans tenure may depend upon the amount borrowed and may be from 12 months to 60 months. LoanMoney advices its customer to opt for  Personal Loan instead of going for borrowing cash from credit card as the interest rate is comparatively low for Personal Loan. Quick Form for Personal Loan in Delhi NCR Click here

LoanMoney will get you an approval in quickest possible time. All you need to do is visit LoanMoney.in and fill an enquiry form. You can also drop a mail to info@LoanMoney.in or call to +91-8130 222 111. A LoanMoney representative will get in touch with you and collect your documents from your doorstep.

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