HDFC Bank offers a personal loan for travel. The HDFC travel loan interest rate is broadly in line with its general unsecured personal loan portfolio. According to HDFC’s official site, the interest rate for a travel loan starts at around 10.50% p.a. and can go higher depending on risk assessment. The bank also mentions that for non-preapproved customers the applicable rate can range further, possibly up to 25% under certain circumstances.
As with all unsecured loans, your exact interest rate will depend on multiple individual factors:
These include your credit score, income level, existing debt obligations, employment stability, and your relationship with HDFC Bank (for example, if you already bank with them or hold a salary account).
If you are an existing customer with a clean repayment track record, you may be eligible for discounts or preferential rates.
Further, HDFC provides relatively flexible tenures for travel loans ranging up to 60 months (5 years) in many cases. The longer the tenure, the more interest you’ll pay in absolute terms, though your monthly EMI burden may be lower.
Also consider that processing fees, insurance cover, and any late payment or penal interest may affect the effective cost of borrowing.
I hope this helps!
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What is HDFC Travel Loan Interest Rate?
annu
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2025-09-30T09:32:38+00:00 2025-10-05T12:21:26+00:00Comment
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