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HDFC Bank Personal Loan Interest Rate November 2026
HDFC Bank advertises personal loan rates starting from 9.99% per annum. For ₹5 lakh over 3 years that is an EMI of about ₹16,131 a month.
HDFC Bank personal loan rates and charges
| Starting interest rate | 9.99% per annum |
| Applies to | Salaried: 9.99% to 24.00% |
| Processing fee | Up to ₹6,500 plus GST |
| Prepayment | Foreclosure charge 4% up to 24 EMIs, 3% from 25 to 36 EMIs, 2% after 36 EMIs |
| Maximum tenure | Not stated on the page we checked |
Source: HDFC Bank official page, checked 2 November 2026.
These figures use the bank's advertised starting rate. Most borrowers are offered a higher rate depending on credit score, income and loan size, so treat the result as a best case.
HDFC Bank personal loan EMI calculator
Prepayment options (optional): pay extra to finish sooner
EMI for popular amounts
₹2 lakh for 2 years₹2 lakh for 3 years₹2 lakh for 5 years₹5 lakh for 2 years₹5 lakh for 3 years₹5 lakh for 5 years₹10 lakh for 2 years₹10 lakh for 3 years₹10 lakh for 5 years
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Frequently asked questions
What is the HDFC Bank personal loan interest rate?
HDFC Bank's website advertises personal loan rates starting from 9.99% per annum (checked 2026-11-02). The rate you get depends on your credit score, income and loan amount.
What is the EMI on a ₹5 lakh personal loan from HDFC Bank?
At the starting rate of 9.99% over 3 years the EMI is about ₹16,131 a month, with total interest of about ₹80,725. A higher personal rate would raise this.
What is the processing fee for a HDFC Bank personal loan?
HDFC Bank states: Up to ₹6,500 plus GST.
Does HDFC Bank charge prepayment charges on a personal loan?
Foreclosure charge 4% up to 24 EMIs, 3% from 25 to 36 EMIs, 2% after 36 EMIs. Terms can differ between floating and fixed rates, so confirm with the bank.