HDFC Personal Loan of ₹2 Lakhs – Instantly Approved with 13.60% Interest
If you’re a salaried professional earning ₹25,000 or more and maintain a salary account with HDFC Bank, here’s a real-life experience that could change the way you look at personal loans forever.
How It Started: HDFC Credit Card Offer
I started my journey with HDFC Bank as a salaried employee in a private limited company. Within a few months of salary credits, HDFC Bank offered me a credit card with a limit of ₹46,000 along with a joining benefit of ₹1,500 Amazon gift voucher. Naturally, I accepted the offer.
Every month, I used approximately 10% of my credit card limit and ensured timely repayments by setting up auto-debit for the 12th of each month. This not only kept my credit card usage healthy but also improved my credit score steadily over time.
HDFC Personal Loan Offer
Just five months into responsible credit card usage, I received a surprising offer on my HDFC Mobile Banking App. It was a pre-approved HDFC personal loan of ₹2,00,000 under their Jumbo Loan product, with a very competitive interest rate of just 13.60% per annum.
Initially, I didn’t act on it. But later, an HDFC bank representative called and clearly explained the terms. The entire loan process took less than 3 minutes on the call, and I received ₹2,00,000 directly into my HDFC Bank account - without submitting any physical documents or paying any processing fee (₹0).
HDFC Personal Loan Monthly Installments
The monthly EMI amount was set at around ₹17,927.32, with reducing interest amounts as the months progressed. Here’s a glimpse of how the interest and loan amount changed over a few months:
- August 2024: ₹2,204 interest on ₹15,647.32 loan
- December 2024: ₹1,554.19 interest on ₹16,373.13 loan
- March 2025: ₹987.82 interest on ₹16,939.50 loan
- July 2025: ₹202.07 interest on ₹17,725.31 loan
Why This HDFC Loan Stands Out
- No Documentation: 100% digital, pre-approved through the HDFC app.
- Zero Processing Fee: No hidden charges or upfront costs.
- Quick Disbursal: ₹2 lakhs credited in under 3 minutes during a phone call.
- Low Interest Rate: Just 13.60% p.a., much cheaper than loan apps.
My Previous Loan App Experiences
Before this HDFC loan, I had taken personal loans from several online platforms like Navi, Slice, and Paysense. Most of them had higher interest rates and hidden fees. Compared to those, this HDFC instant loan was by far the most affordable and professional experience.
Who Can Get This Loan?
If you’re a salaried professional, aged 21 years or above, and hold a good repayment record on your HDFC credit card, you may also be eligible for a HDFC credit card loan or HDFC loan against credit card instantly via the HDFC app.
Final Thoughts
This was my first time taking a personal loan from an HDFC bank. If you're looking for a fast, safe, and cost-effective personal loan, this is a strong contender.
Disclaimer
We are not responsible for anything from this application, so please take your own risk before applying for a loan. Fin Idea Market