Personal Loans

With HDB Financial Services Personal Loan, get a step closer to planning your dream wedding, a dream vacation, renovating your home or funding your child's education. We have an ideal solution that lets you dream big.

Features & Benefits
  • Loans up to Rs. 20 Lakhs
  • Tenor ranging from 12 to 60 months
  • No guarantor/security required
  • Convenience of doorstep service
  • Quick and Speedy processing
  •  Attractive Rate of Interest
  • Minimum/Hassle free Documentation
  • No guarantor/security required
  • Convenience of doorstep service
  • Special offer for employees of select companies
Eligibility & Documentation

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 minimum 1 month salary credit in the current organization
  • Minimum Net Monthly Income: Rs 20,000 for Metro Locations (Ahmedabad, Bangalore, Chennai, Delhi, Hyderabad, Kolkata, Mumbai & Pune) & Rs. 15,000 for All Other Locations.

Documents required:

  • Proof of Identity: Passport / Voters ID / Driving License/PAN Card/Aadhar Card/ Photo Ration Card
  • Address Proof: Ration card /Driving License/ Voter ID/ Utility Bill (anyone within last 3 months) / Registered Rental Agreement / Passport
  • Date of Birth Proof : Driving License / PAN Card / Passport / Birth Certificate / 10th / 12th mark sheet bearing date of birth
  • Bank Statements : Latest 3 Months bank statements / 6 months bank passbook
  • 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.


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:  Rs. 100000/- p.a. for Metro Locations & Rs. 75,000/- p.a. for non-metro locations.

Documents required:

  • Proof of Identity: Passport / Voters ID / Driving License/PAN Card/Aadhar Card/ Photo Ration Card
  • Address Proof: Ration card /Driving License/ Voter ID/ Utility Bill (anyone within last 3 months) / Registered Rental Agreement / Passport
  • Date of Birth Proof: Driving License / Pan Card / Passport Copy / Birth Certificate / 10th / 12th mark sheet bearing date of birth
  • Bank Statements : Latest 3 Months bank statements / 6 months bank passbook
  • Latest ITR along with computation of income, B/S & P&L a/c for the last 2 yrs. certified by a CA

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: Rs. 100000/- p.a. for Metro Locations & Rs. 75,000/- p.a. for non-metro locations.

Documents required:

  • Proof of Identity: Passport / Voters ID / Driving License/PAN Card/Aadhar Card /Photo Ration Card
  • Address Proof: Ration card /Driving License/ Voter ID/ Utility Bill (anyone within last 3 months) / Registered Rental Agreement / Passport
  • Date of Birth Proof: Driving License / Pan Card / Passport Copy / Birth Certificate / 10th / 12th mark sheet bearing date of birth
  • Bank Statements: Latest 3 Months bank statements / 6 months bank passbook
  • Latest ITR along with computation of income, B/S & P&L a/c for the last 2 yrs. certified by a CA
  • Proof of continuation:  Trade license /Establishment /Sales Tax certificate
  • Other Mandatory Documents (Sole Prop. Decl. Or Cert. Copy of Partnership Deed, Cert. Copy of MOA, AOA & Board resolution.)

Self Employed (Pvt Cos 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: Rs. 100000/- p.a. for Metro Locations & Rs. 75,000/- p.a. for non-metro locations.
  • Business must be profit making for the last 2 years

Documents required:

  • Proof of Identity: Passport / Voters ID / Driving License/PAN Card/Aadhar Card / Photo Ration Card
  • Address Proof: Ration card /Driving License/ Voter ID/ Utility Bill (anyone within last 3 months) / Registered Rental Agreement / Passport
  • Date of Birth Proof:  Driving License / Pan Card / Passport Copy / Birth Certificate / 10th / 12th mark sheet bearing date of birth
  • Bank Statements: Latest 3 Months bank statements / 6 months bank passbook
  • Latest ITR along with computation of income, B/S & P&L a/c for the last 2 yrs. certified by a CA
  • Proof of continuation: Trade license /Establishment /Sales Tax certificate/ SSI Registration
  • Other Mandatory Documents (Sole Prop. Decl. Or Cert. Copy of Partnership Deed, Certified true copy of Memorandum & Articles of Association (Certified by Director) & Board resolution (Original).)
Application Process

It just takes a few simple steps to get a loan from us. Apply today and manage your finances easily.

Apply Now

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