What is HDFC Personal Loan Interest Rate?

The rate of interest on personal loan in HDFC bank currently ranges from 9.99% p.a. to 24.00% p.a. for salaried customers.

1. The base or “rack” rate is between 9.99% and 24% p.a., depending on your creditworthiness, income, and other risk factors.

2. For the period July to September 2025, HDFC’s IRR (Internal Rate of Return) ranged from 9.97% to 24.16%, with an average IRR of about 11.05%. The corresponding APR (which includes fees) averaged 11.32%, and went as high as 56.24% for some borrowers in that period.

3. You can borrow up to Rs. 40 lakh on a HDFC personal loan, and the typical repayment period is between 1 to 5 years, though other sources mention up to 6 years. The processing fee for the loan can go up to Rs6,500 + GST.

4. You’re allowed to prepay up to 25% of the outstanding principal once a year (maximum twice during the loan tenure).

5. If you miss an EMI due date, HDFC charges interest on the unpaid EMI for the number of late days — calculated at your contracted loan interest rate.

This is all about the rate of interest on personal loan in HDFC bank.

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HDFC bank offers personal loans of up to Rs. 40 lakh (Rs. 50,000 – Rs. 50 lakh, per recent data). So, what is the personal loan interest rate in HDFC bank? HDFC Bank’s personal loan interest rates range from 10.90% to 24.00% per annum, offering flexibility for both salaried and self-employed borrowers.

What is the Interest Rate of HDFC Personal Loan?

The interest offered to each applicant depends on multiple factors including credit score, income level, employer profile, and existing relationship with HDFC Bank. However, it usually ranges from 10.90% to 24.00% per annum. 

Individuals with strong profiles, high credit scores (≥750), stable income, and employment with reputed organizations are positioned to qualify for the lower end of the spectrum (around 10.90%).

Beyond the base rate, borrowers should account for additional fees:

• Processing fee: up to Rs. 6,500 + GST

• Prepayment/foreclosure charges: ranging from 2% to 4% of the outstanding principal, depending on when repayment occurs

• Other charges include stamp duty, cheque bounce, schedule issue fees, etc.

I hope this helps!

As an HDFC employee, I am well aware of their interest rate. Currently, the HDFC personal loan interest rate is between 10.85% and 24%. You can visit their website and check the interest rates and even calculate your EMI easily. Their loan processing charges are also nominal, around Rs 6,500 + GST. If you want to know more about HDFC personal loans, you can read my entire comment.

How to Check the HDFC Bank Personal Loan Interest Rate Online?

You can simply visit the

and check the interest rate and other details there. As for eligibility, let me tell you that the borrower needs to be an

1. Employee of a private limited company, an employee from public sector undertakings, including central, state and local bodies

2. Must be between 21 and 60 years of age

3. Must have had the job for at least 2 years within a minimum period of 1 year with the current employer

4. Earn Rs 25,000 or more per month

These are the major details of the HDFC personal loan and I hope I have been able to explain them to you well.

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