HDFC Personal Loan EMI Calculator
Preset to HDFC's current personal loan emi rate of 10.75%. Change any value to see your own numbers.
- Current rate 10.75%
- Range 10.75–12.00%
- Rank #1 of 8 banks
- Verified 16 July 2026
HDFC Personal Loan EMI Calculator
- Principal₹5,00,000
- Total interest₹1,48,539
- Total payment₹6,48,539
Where your money goes
- Principal ₹5,00,000
- Interest ₹1,48,539
HDFC personal loan interest rates 2026
| Tenure / slab | Rate |
|---|---|
| Pre-approved / premium salaried | 10.75% |
| Salaried (standard) | 11.50% |
| Existing customer (special offer) | 10.90% |
| Self-employed professional | 12.00% |
This Personal Loan calculator is preset to HDFC Bank's current 10.75% rate (as of 16 July 2026), so the EMI you see the moment the page loads reflects a real HDFC loan — change the amount or tenure to match yours.
HDFC's personal loan rates run from 10.75% to 12.00% depending on your profile and loan size. Below is HDFC's full rate table, the fees and rules that actually apply, and how HDFC compares with the 8 banks we track — the one thing no bank's own page will show you.
HDFC personal loan — key facts
- Loan amount ranges from ₹50,000 to ₹40,00,000.
- Processing fee is up to 2% of the loan amount, subject to a maximum of ₹6,500 (plus applicable taxes).
- Prepayment is permitted after 12 EMIs; foreclosure charges are 4% of the principal (falling to 3% after 24 months and 2% after 36 months).
- Repayment tenure ranges from 12 to 72 months.
How HDFC compares
HDFC has the lowest personal loan rate of the 8 banks we track.
HDFC personal loan FAQs
What is HDFC's personal loan interest rate in 2026?
HDFC Bank offers personal loan rates from 10.75% to 12% (indicative headline 10.75%). The exact rate depends on your credit score, income and loan amount.
What are the fees on a HDFC personal loan?
The processing fee is Up to 2% of loan amount (max ₹6,500) + taxes. Loan amount ranges from ₹50,000 to ₹40,00,000.
Can I prepay or foreclose my HDFC personal loan early?
Prepayment is permitted after 12 EMIs; foreclosure charges are 4% of the principal (falling to 3% after 24 months and 2% after 36 months).
How is the EMI on a HDFC personal loan calculated?
The EMI uses the reducing-balance method — interest is charged only on the outstanding balance, so the interest share of each instalment falls over time. At 10.75% the calculator above shows your monthly EMI; change the amount and tenure to match your loan.