(Use our HDFC Personal Loan EMI Calculator to quickly and accurately plan your finances and find the best loan options.)
Below is a detailed breakdown of how your payments are distributed:
| 🗓 Month | 💸 Principal (P) | 💰 Interest (I) | 💳 Total (P+I) | 💼 Pending |
|---|
An HDFC Personal Loan EMI Calculator is a handy online tool that helps you estimate your monthly installments (EMIs) for a personal loan. By entering the loan amount, interest rate, and tenure, the calculator provides an instant estimate of your monthly payments, making financial planning and budgeting easier.
Wow! only in 3 step your work done.
Enter the total amount of the loan you wish to borrow from HDFC bank for personal loan.
Input the applicable interest rate for your personal Loan (that approx 10 to 24 as your CIBIL).
Select the duration over which you plan to repay the loan approx 3 months to 72 months.
The calculator will then display your monthly EMI, breaking down the principal and interest components. This helps you understand the financial commitment required and allows you to plan accordingly.
Our HDFC EMI Calculator provides several key benefits:
| Category | Details | Charges |
|---|---|---|
| Interest Rate | Salaried Employees | 10.75% to 24% |
| Processing Fees | Loan Processing Charges | Up to ₹4999 + GST |
| Stamp Duty & Statutory Charges | As per state laws | Varies by state |
| Delayed Instalment Payment | On overdue instalment amount | 18% p.a + applicable taxes |
| Premature Closure (Full Payment) | After cooling-off period |
- Up to 24 EMIs: 4% of outstanding principal - 25-36 EMIs: 3% of outstanding principal - Post 36 EMIs: 2% of outstanding principal |
| Premature Closure (Part Payment) | Partial prepayment allowed post 1 EMI (max. 25% of principal in one year, twice per loan tenure) |
- Up to 24 EMIs: 4% - 25-36 EMIs: 3% - Post 36 EMIs: 2% of part payment amount |
| Legal / Incidental Charges | Based on actual costs | At actuals |
| Amortization Schedule Charges | Physical copy of schedule | ₹50 per schedule (Free download available) |
| Repayment Mode Change Charges | For changing repayment method | ₹500 |
| Payment Return Charges | Per instance of payment failure | ₹450 per instance |
| Loan Cancellation / Rebooking Charges | Cancellation allowed within cooling-off period; Rebooking fee | ₹1000 + taxes (Processing Fee, Stamp Duty non-refundable) |
| Delayed Instalment Payment Charges | For delayed payments | 18% p.a + applicable taxes on overdue amount |
| Category | Details |
|---|---|
| Eligibility Criteria | Details |
| Employment Type | Private sector, public sector undertakings, and local government employees |
| Age | 21 to 60 years |
| Job Experience | Minimum 2 years of employment, 1 year with current employer |
| Minimum Salary | ₹25,000 net income per month |
| CIBIL Score | Minimum 650 (ideal score: 720 or higher) |
| Repayment and Loan Closure | Details |
| Loan Tenure | 3 months to 72 months |
| EMI Calculation | Based on the principal amount, interest rate, and tenure |
| Loan Repayment | Through ECS or standing instruction to debit HDFC account |
| Insurance | Optional personal accident cover and critical illness cover available at nominal premiums |
| Miscellaneous Information | Details |
| Pre-approved Personal Loan | Available instantly to existing customers without documentation |
| Maximum Loan Amount | Up to ₹40 Lakhs (can go up to ₹75 Lakhs based on eligibility) |
| Loan Status Checking | Status can be checked through the HDFC Loan Status Checker |
| Document Type | Details |
|---|---|
| Identity Proof | Aadhaar card, PAN card, Passport, or Voter ID card |
| Address Proof | Utility bills (electricity, water, gas), Aadhaar card, Voter ID card, or rental agreement |
| Income Proof |
For Salaried Individuals: Recent salary slips (last 3-6 months), Form 16, Income Tax Returns (ITR) for the last 2-3 years. For Self-Employed Individuals: Business address proof, audited financial statements, ITR for the last 2-3 years. |
| Employment Details | Employment certificate or appointment letter, details of current employment or business |
| Bank Statements | Recent bank statements (last 6 months) to show consistent income flow |
For General Queries: 1800 1600 / 1800 2600
Accessible across India
Customers traveling abroad: +9122 61606160
For Imperia Account, Diners Black Credit Card, and Infinia Credit Card: +9122 61717606
Get in touch with us for your Banking needs on our helpline number. Now you can get access to your Bank Accounts, Credit Cards, Loans, Demat Account services over the call.
Phone numbers mentioned here are the only Customer Care numbers of HDFC Bank, which you should use. Please do not use any other since these may put you at risk of fraud.
Note: Charges may be applicable as per your tariff plan with your service provider