A capped processing fee of ₹6,500, whatever the loan size
Figures published by HDFC Bank as of 3rd August 2026. Indicative, not an offer.
HDFC Bank lends up to ₹50 lakh from 9.99% p.a. over terms as long as 84 months. Its most useful term is the processing fee: capped at ₹6,500 plus GST rather than charged as a percentage, which on a large ticket is a fraction of what a 2% fee would cost. On a ₹40 lakh loan that cap saves roughly ₹73,500.
Underwriting favours stable employment — two years of total experience with at least one at the current employer, and net monthly income from ₹25,000. Part-prepayment of up to 25% of the principal per financial year is allowed once twelve EMIs are behind you, and the loan carries insurance cover of ₹8 lakh for accidental death with ₹1 lakh for critical illness.
HDFC reserves its lowest pricing for salary-account holders at listed employers with a bureau score in the mid-700s and above.
| Product or borrower segment | Interest rate |
|---|---|
| Salaried personal loan | 9.99% p.a. onwards |
| Personal loan balance transfer | 10.25% p.a. onwards |
| Golden Edge Premium, pre-approved | 10.50% p.a. onwards |
| Top-up on a running loan | Priced against the existing loan rate |
Opens at 9.99% p.a., the lowest rate HDFC Bank publishes. Raise it to see what a weaker bureau score would cost you.
Reducing-balance interest, the same basis the lender quotes on. The interest figure is what the loan adds to the amount you borrow.
Early instalments are mostly interest. The principal only starts falling quickly in the closing years, which is why prepaying early saves so much more than prepaying late.
| Year | Principal paid | Interest paid | Balance |
|---|
The ₹6,500 cap is the single strongest reason to look at HDFC for a large loan. Against a 2% fee, the saving grows with every rupee borrowed.
Cover of ₹8 lakh against accidental death and ₹1 lakh for critical illness rides along with the loan, so an unpaid balance does not fall on the family.
Up to 25% of principal per financial year after the first twelve EMIs, which shortens the term without triggering a full foreclosure charge.
Salary-account holders often see a sanctioned limit inside net banking with disbursal in minutes and no fresh documents.
Processing and foreclosure charges routinely outweigh a small difference in rate. Read these against the rate table above.
Meeting these is what gets the file assessed. Where you land inside the rate band is decided separately, by your bureau record.
Every rate you check and every offer you compare credits coins to your wallet, and they convert 1:1 into rupees.
On ₹40 lakh, a 2% processing fee would be ₹80,000. HDFC charges ₹6,500 plus GST, so the saving is around ₹73,500 before tax on the fee.
At 11% p.a. the instalment is roughly ₹23,300 over 24 months, ₹16,370 over 36 months and ₹10,870 over 60 months. The calculator on this page prices any combination.
Yes, once a satisfactory repayment record is established on the running loan. The top-up is underwritten fresh and priced against the existing rate.
9.99% onwards
Up to ₹40 lakh · fee Up to 2%
Read the terms →10.00% - 30.00%
Up to ₹55 lakh · fee Up to 3.93%
Read the terms →12.00% - 22.50%
Up to ₹25 lakh · fee Up to 2%
Read the terms →9.99% onwards
Up to ₹50 lakh · fee Up to 2%
Read the terms →