Private bank
HDFC Bank
India's largest private sector bank by assets, with a broad retail and SME lending franchise and one of the country's largest home loan books.
Best for: Salaried professionals seeking competitive personal, home and car loan pricing.
Apply with pre-screening
We check your profile against HDFC Bank's policy and others on the panel before any application.
Typical strengths
- Pre-approved offers for salary account holders
- Fast personal and car loan turnaround
- Large home loan franchise after the HDFC merger
Interest rates, fees and eligibility shown on this site are indicative, vary by lender and borrower profile, and are subject to change without notice. Always read the lender's Key Fact Statement (KFS) before signing. Loan approval and terms are decided solely by HDFC Bank under its credit policy.
Products
What we arrange with HDFC Bank
- Personal Loan
- Home Loan
- Business Loan
- Loan Against Property
- Car Loan
- Used Car Loan
- Education Loan
- Gold Loan
- Professional Loan
- Working Capital - OD / CC
- Home Loan Balance Transfer
Personal Loan
Collateral-free personal loans from ₹50,000 to ₹50 lakh at rates starting around 10.25% p.a., with disbursal typically within 48 hours of approval.
- Rate from
- 10.25% p.a.
- Up to
- ₹50 L
Home Loan
Home loans from ₹5 lakh to ₹10 crore at floating rates from about 7.35% p.a., with up to 90% funding and tenures up to 30 years, across banks and housing finance companies.
- Rate from
- 7.35% p.a.
- Up to
- ₹10 Cr
Business Loan
Unsecured business loans from ₹2 lakh to ₹1 crore for proprietors, partnerships and companies, at rates from about 14% p.a., with tenures up to 5 years and minimal collateral requirements.
- Rate from
- 14.00% p.a.
- Up to
- ₹1 Cr
Loan Against Property
Loans against residential, commercial or industrial property from ₹10 lakh to ₹15 crore at rates from about 8.75% p.a., with tenures up to 15 to 20 years and funding up to 70% of market value.
- Rate from
- 8.75% p.a.
- Up to
- ₹15 Cr
Our read
Where HDFC Bank fits
HDFC Bank sits at the centre of most salaried files we place. Its appetite is broadest where the borrower has a clean repayment record, a stable employer and a salary account it can see, because that combination lets the bank price on observed behaviour instead of on documents alone. If you bank here already, tell us: a pre-approved line often exists that never gets surfaced unless someone asks for it.
Since the merger with HDFC Ltd the same institution now holds one of the largest home loan books in the country alongside its retail franchise, so a single file can be assessed for a home loan, a top-up and a personal loan without moving between lenders. That matters most for borrowers who want their entire relationship in one place rather than the sharpest possible rate on each product.
Worth knowing
- Pricing rewards existing relationships, so a first-time customer with the same profile may be quoted less keenly than someone with a salary account here.
- Documentation standards are strict on income proof; informal or variable income is usually better placed with a housing finance company or an NBFC.
Our assessment, not a statement of HDFC Bank’s policy. Terms are set by the lender and can change.
Questions
HDFC Bank: common questions
Do I need an HDFC Bank salary account to get a good rate?
No, but it helps. The bank prices partly on what it can observe directly, so an existing salary or savings relationship often produces a better offer than the same profile arriving cold. We check both routes before we submit anything.
Can HDFC Bank handle my home loan and personal loan together?
Yes. After the merger with HDFC Ltd the home loan and retail books sit in the same institution, so one credit view can cover both. Whether that is the cheapest combination is a separate question, and it is the one we answer for you.
How does LoansPartner apply on my behalf?
We pre-screen your profile against the bank's published eligibility and against the rest of our panel first. Only when the fit is clear do we submit, which keeps needless bureau enquiries off your report.
Compare
Other private banks on the panel
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