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HDFC BANK Personal Loan Interest Rates

HDFC bank is one of India’s premier financial institutions offering services in the areas of personal banking, corporate banking, insurance, trading and investments. It was founded in 1994 by the Housing Development Finance Corporation (HDFC). The bank has a network of over 4,000 branches and over 11,000 ATM’s across India. Their range of products and services include wholesale banking and retail banking with bank accounts, loans, credit cards and treasury services. The bank is headquartered in Mumbai and is recognized as one of the topmost financial institutions.


HDFC Bank Personal Loans

HDFC offers hassle-free loans at attractive interest rates with benefits of easy EMI’s, speedy loan approval, credit shield and disbursal in a minimum time of 2 days. They also provide customized offers for corporate employees and women professionals. With convenience at your doorstep, HDFC bank personal loans is ideal for everyone.

  • They offer special deals to HDFC bank account holders
  • The 1-min personal loan eligibility calculation is available online and across branches
  • Women employees are eligible for special offers
  • The ‘Walk in Loan’ offers a way to get your personal loan in a day
  • HDFC Bank advances loans for a variety of reasons including personal loans, marriage loans, renovation loans, travel loans, mortgage loans and business loans.

While calculating the interest rate of HDFC Bank we need to understand the multiple parameters that play a role in arriving at this number. The parameters to calculate HDFC Bank interest rate could be the loan amount required, the company you are working in, the tenure of the loan amount, the salary bracket that you are in and so on. HDFC Bank interest amount a portion of the loan amount over and above the principal amount which is repaid to HDFC Bank. HDFC Bank interest rate is usually depicted as a percentage of the loan which is calculated annually and also known as Annual Percentage Rate (APR). Each HDFC Bank EMI repayment has a portion which goes towards the principal amount and the remaining is calculated as Interest. Usually, the interest portions are higher in the initial EMI’s and reduce as the EMI’s progress. On the other hand, the EMI adjusted against the principal amount is lower in the start of EMI repayment and increase as the tenure progresses.

HDFC Bank has categorised companies into different segments. Some of these categories and the companies that fall in each category are depicted in the table below.

Category Company List RoI
CAT A
Clariant Chemicals India Limited
Colgate-Palmolive (India) Ltd
COLLIERS JARDINE
DBS Bank
Cholamandalam Distribution Services Ltd
Dean Foods
Deccan Charters Ltd
Deepak Fertiliser and Petrochemicals Corporation LTD
Dell International Services
Deloitte Tax Services India Pvt Ltd
13.00% to 14.50%
CAT B
Vijayanand Printers Ltd
Gateway Hotel Group
SMBC Capital India
Amalgamated Plantations Pvt Ltd
Panasonic AVC Networks
DEG KFW Bankengruppe
Arcelor Mittal Design & Engineering Centre Pvt Ltd
India Steel Summit Pvt Ltd
Schutz Dishman Biotech Ltd
Essar Information Technology Ltd
14.50% to 16.00%
CAT C
Indus League Clothing
Future Consumer Products Limited
Bengal Shrachi Housing Development Ltd
Carlsberg India Pvt Ltd
Y3 technologies India Private Limited
CCAP Limited(Formerly Central Concrete & Allied Products Limited)
Star Entertainment Media Pvt Ltd
Britannia New Zealand Foods Pvt Ltd
Cybage Software Private Limited
Universal Sompo General Insurance Co Ltd
16.00% to 17.99%
CAT D
Aryan Lifestyle Pvt. Ltd.
Dalmia Resorts International Pvt. Ltd.
L T Solutions Pvt. Ltd.
Finnese Innovations Pvt. Ltd.
Xavient Information Systems
Transcon Electronics Pvt Ltd
Keggfarms Pvt. Ltd.
Nedumed Pharma Pvt Ltd
Inhaled Pharma Pvt Ltd
C Sam Solutions Pvt. Ltd.
17.99% to 19.00%

Know the difference between Flat Interest Rate and Reducing Balance Interest Rate before you avail a Personal Loan. Check our Flat Rate vs Reducing Balance Calculator now.

Flat Interest vs Reducing Balance Calculator