Apply instant HDBFS personal loan Online to get an ROI that can be range up to 36% p.a. but the maximum available loan amount, which is Rs. 20 lakh, can tackle any of your personal financial distress easily. Features You Get When You Apply Instant HDBFS Personal Loan Online The loan is unsecured so it …
Apply instant HDBFS personal loan Online to get an ROI that can be range up to 36% p.a. but the maximum available loan amount, which is Rs. 20 lakh, can tackle any of your personal financial distress easily.
| Loan Amount | Up to 20 lakh |
| Loan Tenure | 12 months to 60 months |
| Rate of Interest | Up to 36% |
| Processing Fee | Up to 3% of the loan amount |
Payable Fees and Charges
| Penal Charges | 3% of EMI (charged per month) |
| ECS or Cheque Bounce Charges | Rs. 750 |
| Charges for ECS Swap | Rs. 750 |
| Loan Cancellation Charges | Rs. 1,000 |
| Charges for the Additional Repayment Schedule | Rs. 500 |
| Charges for the Statement of Account | Rs. 500 |
| Charges for Document Retrieval | Rs. 500 |
Conditional Foreclosure Facility
You can pre-close your personal loan account only after paying the first 6 EMIs successfully. The charges for the foreclosure are as follows.
| Salaried Individual | · Minimum age 21 years.
· Maximum age 60 years or retirement age (whichever is earlier). · Maximum age 65 years for government employees. · The age of the employment should be at least 1-year old. · The minimum monthly salary should be Rs. 20,000 in metro cities and Rs. 15,000 in other cities. |
| Self-employed Professionals (Doctors, architects, CAs, Company Secretaries) | · Minimum age 22 years.
· Maximum age 65 years. · The age of the profession should at least 3 years old. · The minimum annual income should be Rs. 1,00,000 in metro cities and Rs. 75,000 in other cities. |
| Self-employed Individuals (Sole-proprietors, directors, or partners in a business) | · Minimum age 22 years.
· Maximum age 65 years. · At least 4 years spent in business and at 2 years spent in the current business. · The minimum annual income should be Rs. 1,00,000 in metro cities and Rs. 75,000 in other cities. |
| Self-employed in Pvt. Companies or Partnership Firms | · Minimum age 22 years.
· Maximum age 65 years. · At least 4 years spent in business and at 2 years spent in the current business. · The minimum annual income should be Rs. 1,00,000 in metro cities and Rs. 75,000 in other cities. · The business should have gained profit in the last 2 years. |
Documents Required
The following documents will be required based on the profession of the applicant to apply instant HDBFS Personal Loan online.
| · Salaried Individual | · PAN Card
· Voter’s ID Card/ Aadhaar Card/ Passport/ Driving License/ Utility Bill · Bank statements of past 3 to 6 months · Salary slips of past 3 months · ITRs of past 3 years |
| · Self-employed Professionals (Doctors, architects, CAs, Company Secretaries)
· Self-employed Individuals (Sole-proprietors, directors, or partners in a business) · Self-employed in Pvt.Companies or Partnership Firms |
· PAN Card
· Voter’s ID Card/Aadhaar Card/ Passport/ Driving License/ Utility Bill · Bank statements of past 3 to 6 months · ITRs of the past 3 years, CA certified P&L accounts and Balance Sheets for the past 3 years. · Trade license and GST certificate · Company AOA, MOA, SSI Registration, ROC Registration, agreement of proprietorship, partnership. |
Through Roopya, you can applyinstant HDBFS Personal Loan online and get instant approval along with proper documents.
Customer Care Details
FAQs
Here are the answers to some frequently asked questions by the applicants.
HDBFS personal loan is unsecured and does not ask for any particular reason for taking up the loan. You can literally manage any of your financial needs with the sanctioned loan amount.
As there are no hard and fast rules, you are allowed to apply for another personal loan from HDBFS irrespective of having another existing personal loan from the institution. They will only provide you another loan on the basis of your credit history and your repayment capabilities.
SBI personal loan offers the most attractive interest rate in 2021
Standard Chartered Bank offers personal loan amounts ranging from Rs.
