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Why HDFC Personal Loan Should Be Your Next Choice to Finance Your Dreams?

With the boom of internet usage in India, people have access to the lifestyle lived in other countries. This has brought about an increase in the aspirations of the people. Thereby, wanting finance to live their dreams as soon as possible. In order to get people to their dreams, lenders are offering attractive personal loan packages. Today, personal loans have become the most sought after bank products. And, HDFC Bank is coming out as a major player in the personal loan game. Their personal loan offering is widely popular because of their high loan amounts, attractive interest rates and instant approval process. HDFC Personal has definitely taken a big leap in providing affordable loans to its customers. Letu2019s have a look why it is the most sought after loan option in India today.

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Why HDFC Personal Loan Should Be Your Next Choice to Finance Your Dreams?

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  1. Why HDFC Personal Loan Should Be Your Next Choice to Finance Your Dreams?

  2. With the boom of internet usage in India, people have access to the lifestyle lived in other countries. This has brought about an increase in the aspirations of the people. Thereby, wanting finance to live their dreams as soon as possible. In order to get people to their dreams, lenders are offering attractive personal loan packages. Today, personal loans have become the most sought after bank products. And, HDFC Bank is coming out as a major player in the personal loan game. Their personal loan offering is widely popular because of their high loan amounts, attractive interest rates and instant approval process. HDFC Personal has definitely taken a big leap in providing affordable loans to its customers. Let’s have a look why it is the most sought after loan option in India today.

  3. What are the Benefits of the HDFC Personal Loan? Big Loan Amount: Almost all Banks and Non-Banking Financial Companies offer a loan amount upto INR 20 lakh, but since HDFC Bank is one of the big guns in the personal loan sector, it offers high loan amount. You can avail a loan amount upto INR 40 lakh. Loan For All Purposes: Whether it’s about meeting unforeseen expenditures or for planned vacations to an exotic destination or throwing the best wedding or thinking of buying your dream car, don’t worry, you can use the HDFC Personal loan amount as per your discretion.

  4. Flexible RepaymentTenure: HDFC Bank believes in servicing the customer at its best where there is no hassle to the customer. To back this belief, HDFC personal loan gives the customer a choice of his own tenure to repay the loan. Using HDFC Bank Personal Loan EMI calculator, the customer can adjust their loan tenure according to their terms and ascertain the EMIs they’ll be paying on their investment. However, there is a cap on the maximum loan tenure take, which is, 5 years.

  5. Attractive Interest Rates: HDFC Personal Loan offers one of the lowest interest rates in the market. They provide loan at interest rate as low as 11.25%. To bag the lowest HDFC personal loan interest rate, you need to have a CIBIL score of more than 750. No Collaterals: You need not submit any collateral to avail the personal loan by HDFC bank. Even if you want to procure high loan amount HDFC doesn’t ask you to pledge any security against the loan. But, you will have to have a good credit score for you to be eligible for the loan.

  6. How Can I Apply for the HDFC Personal Loan? We know that after reading these fantastic benefits of the HDFC Personal Loan, it’s tough to contain the excitement within yourself. All you want to do is know how can you get the personal loan to live your dreams. So, here we unravel the application process. You can apply for the loan by both online and offline means. For online application, just visit the website HDFC and enter a few personal details as asked. The bank is going to give you a verification call. After few hours, a bank official will call you to confirm all the details provided by you and ask for documents to back it. Funds will be disbursed instantly once the approval is made. For offline application, you need to visit the branch with the necessary documents. But before you apply, make sure you meet the eligibility criteria and have the necessary documents.

  7. Eligibility Criteria: • The person should be a citizen of India. • Should be working in one of the private limited companies or public sector undertakings. • Anyone between the age of 21 – 60 years is eligible for the personal loan. • Minimum 2 years of work experience is required and a minimum of 1 year experience with the current employer. • Minimum net monthly income should be INR 15000.

  8. Documents Required: • Proof of Identification: Aadhar Card/ Passport/ Driving License/ Voter ID Card • Address Proof: Aadhar Card/ Passport/ Driving License/ Voter ID Card Income Details: Bank Statement of Last Six Months, Salary Slip with the current employer/ Copy of Form 16

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