Personal Loan

A planned or unplanned financial expenditure can occur at any point in your life. Be it any medical expenses, wedding, education, dream vacation, shopping, home renovation or any other purpose, an instant personal loan can help you with all your financial needs.

A quick personal loan from HDB Financial Services is the one stop solution for any individual seeking financial assistance. We offer collateral free personal loans at attractive interest rates with flexible repayment tenure. Our unsecured loans also allow you to apply for top up loan to meet your financial requirements. Experience a hassle-free documentation process, quick processing and speedy loan disbursal.

Our personal loan serves multi-purpose for both, salaried and self-employed individuals. Salaried individuals can get instant loan or pre approved personal loan for home renovation, planning a holiday or dream vacation, for wedding preparation and more. Self-employed individuals may use the personal loan for a new investment, short term working capital needs and or any other personal need. We also offer personal loan balance transfer at low interest rate to ease your financial burden.

Apply for an instant personal loan online at HDB Financial Services.


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Availing Personal Loan from HDB can have a lot of benefits for you.

  • Personal Loan up to Rs. 20 Lakh

    Based on your eligibility, you can get easy personal loans up to Rs. 20 Lakh. At HDB Financial Services, we try to match your financial requirements.

  • Attractive personal loan interest rates

    Get the advantage of best low interest personal Loans from HDB Financial Services. These attractive personal loan interest rates are specially customised based on your need and repaying capacity.

  • Flexible Repayment Tenure

    HDB Financial Services offers repayment tenure ranging from 12 to 60 months when availing a personal loan. You can pay the EMIs without any worry of financial burden.

  • Hassle – Free Documentation Process

    Experience a minimal and quick documentation with our quick personal loan application process. When online personal loan application is made, the entire process is paperless and all you need to do is upload soft copy of the documents to get you started.

  • Quick Processing and Speedy Disbursal

    Based on your documentation and personal loan eligibility, the loan amount gets approved instantly and quickly disbursed to your bank account. This ensures you get an instant loan without having to wait for long to use your funds.

  • No Collateral or Guarantors Required –

    Being an unsecured loan, there is no requirement to submit any collateral or guarantor stand-ins to get a personal loan.

Apply for an instant online loans by visiting your nearest HDB Financial Services branch and avail the best offer based on your financial profile.

Salaried Individuals include Salaried Doctors, CAs, employees of select Public and Private limited companies, Government Sector employees including public sector undertakings:

Eligibility Criteria

  • Minimum age of applicant: 21 years
  • Maximum age of applicant at loan maturity - 60 years or retirement, whichever is earlier) (65 years for Government Employees. Conditions Apply)
  • Minimum employment - Minimum 1 year in employment with at least 1-month salary credited from the current organisation
  • Minimum Net Monthly Income - ₹20,000 for Metro Locations (Ahmedabad, Bangalore, instant loan Chennai, Delhi, Hyderabad, Kolkata, Mumbai & Pune) & ₹15,000 for All Other Locations.

Personal Loan for Self employed (Professionals) include self-employed Doctors, Chartered Accountants, Architects, and Company Secretaries.

Eligibility Criteria

  • Minimum age of Applicant: 22 years
  • Maximum age of Applicant at loan maturity: 65 years
  • Years in business: Minimum 3 years

Minimum Annual Income - ₹100000/- p.a. for Metro Locations & ₹75,000/- p.a. for non-metro locations.


Personal Loan for Self employed (Individuals) include self-employed - Sole proprietors, Partners & Directors in the Business of Manufacturing, Trading or Services.

Eligibility Criteria

  • Minimum age of Applicant: 22 years
  • Maximum age of Applicant at loan maturity: 65 years
  • Years in business: Minimum 4 years with minimum 2 years in the same Business
  • Minimum Annual Income: ₹ 100000/- p.a. for Metro Locations & ₹ 75,000/- p.a. for non-metro locations.

Self-employed (Pvt. Co. and Partnership Firms) include Private Companies and Partnership firms in the Business of Manufacturing, Trading or Services

Eligibility Criteria

  • Minimum age of Applicant: 22 years
  • Maximum age of Applicant at loan maturity: 65 years
  • Years in business: Minimum 4 years with minimum 2 years in the same Business
  • Minimum Annual Income: ₹ 100000/- p.a. for Metro Locations & ₹ 75,000/- p.a. for non-metro locations.
  • Business must be profit making for the last 2 years

You can also use personal loan eligibility calculator available online for free.

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Salaried Individuals include Salaried Doctors, CAs, employees of select Public and Private limited companies, Government Sector employees including public sector undertakings:

Documents required:

  • Proof of Identity & Address Proof - Passport/Voters ID/Driving License/PAN Card*/Aadhar or Proof of possession of Aadhaar number (no Voluntary basis) /Photo Image/Job card issued by NREGA duly signed by an officer of the State Government/Letter issued by the National Population Register containing details of name and address/Utility Bill (anyone which is not more than two months old of any service provider - electricity, telephone, post-paid mobile phone, piped gas, water bill/Registered Rental Agreement/Letter of allotment of accommodation from employer/leave and license agreements with employers allotting official accommodation
  • Proof of Date of Birth - Driving License / PAN Card / Passport / Birth Certificate / 10th / 12th mark sheet bearing date of birth
  • Bank Statements - Latest statements / Bank passbook (updated within 90 days)
  • Latest 3 Months Salary Slip along with latest Form 16 / ITR / Appointment Letter.

Self-employed (Professionals) include self-employed Doctors, Chartered Accountants, Architects, and Company Secretaries.

Documents required:

  • Proof of Identity & Address Proof: Passport / Voters ID / Driving License/PAN Card*/Aadhar Card or Proof of possession of Aadhaar number(on Voluntary basis) Photo/Driving License/ Voter ID/ Utility Bill (anyone which is not more than two months old of any service provider - electricity, telephone, post-paid mobile phone, piped gas, water/Registered Rental Agreement / Letter of allotment of accommodation from employer/ leave and license agreements with employers allotting official accommodation
  • Date of Birth Proof: Driving License / Pan Card* / Passport Copy / Birth Certificate / 10th / 12th mark sheet bearing date of birth
  • Bank Statements: Latest statements / Bank passbook (updated within 90 days)
  • Latest ITR along with computation of income, B/S & P&L a/c for the last 2 years certified by a CA

Self-employed (Individuals) include self-employed - Sole proprietors, Partners & Directors in the Business of Manufacturing, Trading or Services.

Documents required:

  • Proof of Identity & Address Proof: Passport / Voters ID / Driving License/PAN Card* of the Proprietorship Firm and Proprietor/Aadhar Card or Proof of possession of Aadhaar number(on Voluntary basis) /Photo/Driving License/ Voter ID/ Utility Bill (anyone which is not more than two months old of any service provider - electricity, telephone, post-paid mobile phone, piped gas, water bill)/Registered Rental AgreementLetter of allotment of accommodation from employer/ leave and license agreements with employers allotting official accommodation/Registration Certificate
  • Date of Birth Proof: Driving License / Pan Card / Passport Copy / Birth Certificate / 10th / 12th mark sheet bearing date of birth
  • Bank Statements: Latest statements / Bank passbook (updated within 90 days)
  • Latest ITR along with computation of income, B/S & P&L a/c for the last 2 years certified by a CA
  • Proof of continuation:  Trade license /Establishment /Sales Tax certificate
  • Other Mandatory Documents - For the Proprietorship Concern any two of the following documents should be obtained(Registration certificate, Certificate/license issued by the municipal authorities under Shop and Establishment Act, Sales and income tax returns, CST/VAT/ GST certificate (provisional/final), Certificate/registration document issued by Sales Tax/Service Tax/Professional Tax authorities, IEC (Importer Exporter Code) issued to the proprietary concern by the office of DGFT/ Licence/certificate of practice issued in the name of the proprietary concern by any professional body incorporated under a statute, Complete Income Tax Return (not just the acknowledgment) in the name of the sole proprietor where the firm's income is reflected, duly authenticated/acknowledged by the Income Tax authorities, Utility bills such as electricity, water, and landline telephone bills.)

Self-employed (Pvt Cos and Partnership Firms) include Private Companies and Partnership firms in the Business of Manufacturing, Trading or Services

Documents required:

  • Proof of Identity & Address Proof: Passport / Voters ID / Driving License and PAN Card* of all Partners /Directors/ each authorized signatory /Aadhar Card or Proof of possession of Aadhaar number(on Voluntary basis)  / Photo/Utility Bill (anyone (anyone which is not more than two months old of any service provider - electricity, telephone, post-paid mobile phone, piped gas, water bill) / Registered Rental Agreement/Letter of allotment of accommodation from employer/ leave and license agreements with employers allotting official accommodation
  • Date of Birth Proof:  Driving License / Pan Card / Passport Copy / Birth Certificate / 10th / 12th mark sheet bearing date of birth
  • PAN CARD of the Partnership Firm or Private Ltd Company. (Mandatory)
  • Registration Certificate for Partnership firm
  • Bank Statements: Latest statements / Bank passbook (updated within 90 days)
  • Power of Attorney granted to a partner, managers, officers or an employee of the firm or a company to transact business on its behalf.
  • The complete Income Tax return (not just the acknowledgment) in the name of the Partnership Firm where the firm's income is reflected, duly authenticated/acknowledged by the Income Tax Authorities.
  • Proof of continuation: Trade license /Establishment /Sales Tax certificate/ SSI Registration
  • Other Mandatory Documents (Sole Prop. Decl. Or Cert. Copy of Partnership Deed (to be verified against original), Certified true copy of Memorandum & Articles of Association (Certified by Director) & Board resolution (Original).)

For Pvt Ltd. Companies. – Following required additional

  • 1 a) Certified Copy of Certificate of Incorporation and an updated Memorandum and Articles of Association (certified either by Company Secretary / Director);
  • Certified Copy of Resolution of the Board of Directors to open an account and identification of those who have authority to operate the account duly signed by two directors or a company secretary;
  • Form 32 / DIR 12 duly filed with Registrar of Companies - Only in cases where the list of directors are not original subscribers to MOA & AOA, and
  • Certified copy of the Form 18 / INC 22 filed with Registrar of Companies.- Only in cases where the address is different from document listed in 1 a)

Take the next step & manage your immediate financial needs now.

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How to apply for a Personal Loan from HDB Financial Services

The loan application procedure for a personal loan very is simple. You can apply from any of the following options:

    1. Visit our ‘Apply Now’ section

    1. Visit our ‘Apply Now’ section

  • Step 1: Fill in the personal details along with the mobile number OTP verification
  • Step 2: Fill in the Professional details
  • Step 3: Your personal loan application is accepted and our representative will get in touch with you soon
  • Step 4: Upload the required documents
  • 2. Download our 'HDB On The Go' android app

  • Step 1:Verify the mobile number with OTP
  • Step 2: Click on ‘Apply for a New Loan’
  • Step 3: Enter the required loan and applicant details
  • Step 4: Enter the required address information
  • Step 5: Complete the image/signature
  • 3. Visit your nearest HDB Financial Services Branch and get in touch with our personal loan representative at the branch.

    4. Call on our customer support number +914442984541 and apply for a quick Personal Loan.

*HDB Financial Services Ltd may use the services of various agents on its behalf for the purpose of sales and marketing for HDB's products and services

*Terms and conditions apply, based on applicant eligibility and financial profile.

Personal Loan FAQs

A Personal Loan is an unsecured loan that helps you in times of financial need. Since it requires no collateral, you can get personal loan online at attractive interest rates and flexible tenure options. HDB Financial Services offers personal loan with quick documentation and instant approval that makes it an ideal solution in times of financial emergency.
You can online loan application to fulfil your planned or unplanned financial needs. Some of the below mentioned reasons are -
  • i. Medical emergency - Get immediate funding for unexpected medical expenses
  • ii. Debit consolidation - Consolidate various debts into one with an Instant Personal Loan
  • iii. Home renovation - Renovate your dream home with elegant interiors
  • iv. Travel - Travel to your dream holiday without worrying about funds
  • v. Wedding - Make your dream wedding come true without any budget restrictions
  • vi. Education - Finance higher education or skill advancement courses
  • vii. Shopping - Buy gadgets, appliances, musical instruments and more without further delay
Abiding by the motto of #ReimaginingOpportunities, we value your financial needs and stand by you to offer an instant personal loan with the following advantages -
  • i. Attractive interest rates
  • ii. Flexible repayment tenure
  • iii. No collateral or guarantors required
  • iv. Hassle - free documentation process
  • v. Personal loan online apply quickens loan processing and speedy disbursal on personal
  • vi. Flexible EMI options
  • vii. Pre approved loan and existing offers on our 'HDB On the Go' Android app
  • viii. Instant customer service support
You can apply for a Personal Loan online, anywhere and anytime without having to travel to any of our branch. It saves a lot of time. You can instantly get to know the loan amount that can be availed based on your eligibility and documentation.
You can track the status of your Personal Loan application by either of following ways-
  • i. Click on 'My Account' on the website. Enter the DOB or PAN number and verify your mobile number with an OTP
  • ii. Use our 'HDB - On the Go' android mobile app
  • iii. Use our chatbot'Ask Priya' on our website
  • iv. Write to us at customer.support@hdbfs.com
  • v. Visit the nearest HDB Financial Services branch. You can locate here
HDB Financial Services may sanction a Personal Loan to you based on your creditworthiness, your eligibility and other internal terms and qualifications.
You can pay the Personal Loan EMI through ACH (Automated Clearing House) or E-NACH (Electronic National Automated Clearing House). If you wish to avail the ACH or E-NACH facility, please contact your nearest branch or write to us at: customer.support@hdbfs.com or raise a service request from our mobile app "HDB on the GO".
Yes, foreclosure and part-prepayment charges are applicable. You can prepay your loan anytime during the tenure. Please visit any of our branches with a Prepayment request form as per format with supporting documents. To read more on the personal loan interest rates and charges, click here.
Yes you can get a Personal Loan from your closest HDB Financial Service branch. click here to locate your closest branch.

Click here to apply for the instant personal loan online!