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HDFC Bank Personal Loan in Erode

Interest Rate starts from 10.25%

HDFC Bank Personal Loan Interest rates in Erode

Please Find the Detailed HDFC Bank Personal Loan Interest Rates

Up To 30,00030,000 To 50,00050,000 To 7500075000 Above
Others10.25%10.25%10.25%10.25%
Salaried10.25%10.25%10.25%10.25%

Features of HDFC Bank Personal Loan Erode

Type Features
Processing FeeUpto 2.5%
Pre Closure ChargesUpto 3.0%
Part Payment ChargesNil
Min Tenure1 Years
Max Tenure5 Years
Min Age21 Years
Max Age60 Years
Min Loan AmountRs.1,00,000/-
Max Loan AmountRs.30,00,000/-

HDFC Bank Personal Loan Erode Charges

Type Charges
E M I Bounce ChargesRs. 550/-
Duplicate Statement ChargesNil
Cheque Swapping ChargesRs 500/-
Issue Amortization Schedule DuplicateRs 200/-

Documentation For Personal Loan

  • Filled Application form
  • Identity Proof (PAN CARD)
  • Address Proof
  • Latest 3 months Payslips
  • Job Continuity Proof
  • 2 Passport Size colour Photographs
  • Co-Applicant identity proof, Address Proof
  • Co-Applicant relationship Proof and Photograph
  • 6 months Bank Statements
  • 3 Post Dated Cheques/ECS Mandate
  • Property Related documents
  • Filled Application form
  • Identity Proof
  • Address Proof
  • Last 2 years Income Tax Returns
  • Professional/Self employed existence proof for more than 3 years
  • 2 Passport Size colour Photographs
  • Co-Applicant identity proof, Address Proof
  • Co-Applicant relationship Proof and Photograph
  • 6 months Bank Statements
  • 3 Post Dated Cheques/ECS Mandate
  • Property Related documents
  • Passport
  • Driving License
  • PAN card
  • Photo credit card (with embossed Signature and last two months statement)
  • Banker's sign verification
  • PAN Card
  • Passport
  • License
  • School leaving certificate
  • Voter card
  • Birth Certificate
  • LIC policy (only for age Proof)
  • Latest salary slip
  • Current dated salary Certificate with latest form 16.
  • Latest year IT Returns with Tax Audit reports(For Self Employed applicants)
  • Latest salary slip
  • Current dated salary Certificate with latest form 16.
  • Latest year IT Returns with Tax Audit reports(For Self Employed applicants)
  • Form 16
  • Relieving letter
  • Appointment Letter (for last two months)
  • Last 6 months of VAT/Service Tax returns (For Self Employed Applicants)
  • Bank statements of latest 2 months
  • 3 months bank passbook

HDFC Bank Personal Loan FAQ's

How long can I take to repay my personal loan?

HDFC Bank offer flexible repayment options ranging from 12 to 60 months, depending on the customer’s profile.

How much can I borrow?

You can take a loan ranging from Rs. 50,000 to Rs. 15,00,000, depending on your income and repayment capacity. You can club your spouse’s income if you want to get a bigger loan.

How can I repay my Personal Loan?

You pay the loan in equal monthly instalments (EMIs). The loan will be paid through post-dated cheques. You can also pay through ECS or a standing instruction to debit your HDFC Bank account with the EMI amount.

Is part-prepayment of a Personal Loan allowed?

No, part prepayment is not allowed. The loan has to either be prepaid in full or serviced for the contracted tenure

How does a Salary Account help me get a personal loan?

You get a preferential rate of interest and processing fee, speedy processing and minimal documentation if you have a Salary Account with HDFC Bank. This is taken into account at the time of disbursal of the loan. You can pay through a Standing Instruction to debit your HDFC Bank account with the EMI amount.

Do I need to provide any security or collateral to obtain a personal loan from HDFC Bank?

No you don’t have to provide any security, collateral or guarantee.

What is De-pledge?

Removal of a pledge from the security to regain the rights over the security is called de-pledge.

What is Guarantor?

A Guarantor is a person who guarantees to pay for someone else's debt if he or she should default on a loan obligation.

What is Amortization?

Amortization is paying off debts in regular instalments over a period of time.

What is Pledge?

A right over the security is created in favour of HDFC Bank. Hence shares cannot be transferred or sold by the customer or shareholder.

What is RTGS?

RTGS is the Real Time Gross Settlement which is used for the transfer of amounts of Rs. 1,00,000 or more from one bank account to another bank account (any bank located anywhere in India if attached with an Internet system) at very minimal charges. The amount is credited into the beneficiary's account in real time. For amounts less than Rs. 1,00,000 we use NEFT( National Electronic Fund Transfer).

What is NEFT?

The National Electronic Funds Transfer (NEFT) system is a nation-wide funds transfer system to facilitate transfer of funds from any bank branch to any other bank branch.

What is SI?

SI stands for Standing Instructions. It is one of the modes you can use to repay a loan, wherein your HDFC Bank account is directly debited for the EMI amounts, based on your specific instructions in the form of the Standing Instructions Mandate.

What is CIBIL?

CIBIL stands for Credit Information Bureau India Limited. CIBIL's aim is to fulfil the need of credit granting institutions for comprehensive credit information by collecting, collating and disseminating credit information pertaining to both commercial and consumer borrowers, to a closed user group of members. Banks, Financial Institutions, Non-Banking Financial Companies, Housing Finance Companies and Credit Card Companies use CIBIL's services. Data sharing is based on the Principle of Reciprocity, which means that only Members who have submitted all their credit data may access Credit Information Reports from CIBIL.

Can I repay the Personal loan earlier?

Yes, you can choose to repay your loan anytime after 12 months of taking the loan and after you have paid 12 EMIs along with applicable foreclosure charges. Please note Loan can be foreclosed by issuing a Demand draft / cheque at the branch; kindly note that cash beyond Rs. 49000/- will not be accepted for loan repayment against part prepayment/ full payment / matured loan closure payment. Any payment above Rs. 49000/- should be made vide Account payee Cheque / Pay order /Demand draft.

Which documents should I carry at the time of visiting HDFC bank?

You need to carry an Agreement Number, Self-attested Identification Proof containing your signature to avail of any information / deliverable along with a written request and produce the documents at the Customer Service Desk.

How long will it take for my Personal loan to be processed?

Once you submit your application form and the required documents as per Bank's criteria, you can expect our approval and disbursal within 7 working days, provided everything is in order. All loan approvals are at the sole discretion of the bank.

Who can resolve my queries?

"For your queries related to Loans (other than home loans), please visit the nearest Retail Asset Branch. You can also write to us at www.apnaloanbazaar.com with the following verification details or contact your nearest PhoneBanking officer "

What will be done with the post dated cheques if I request to change the mode of repayment/account for my loan?

"Post Dated Cheques(PDCs)/Security Cheques submitted towards loan repayment that have not been encashed, will be defaced and retained by the Bank. In case, you wish to have your old Post Dated Cheques(PDCs)/ Security Cheques to be returned to you, kindly lodge a request at the Retail Loan Service Center or through PhoneBanking or write us an email at www.apnaloanbazaar.com within 45 days from the date of application of change in repayment instructions. In case, we do not hear from you within the stipulated period, the defaced cheques will be destroyed. "

How can I change the mode of repayment/ account for my loan?

In the event that you wish to change the mode of repayment/bank account for your loan repayment, you may visit the nearest the Retail Loan Service Center and submit your request with the revised account mandate/instructions.

How can I get my address changed in my loan account?

"In order to change your address in our records, you may visit the nearest Retail Loan Service Centerand submit the following documents: • Request form for Address Change. • Self Attested copy of your revised address proof along with the original address proof for validation. • In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer, i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided "

How do I obtain a Duplicate Repayment Schedule for my loan account?

"You may obtain a Duplicate Repayment Schedule for your loan account, free of charge by registering for our NetBanking facility on www.hdfcbank.com and download the repayment schedule for your linked loan account. Alternatively, you may visit the nearest Retail Loan Service Center and submit the following documents • Request form for Duplicate Repayment Schedule. • Duplicate Repayment Schedule Charges of Rs.200/- favouring ""HDFC Bank Ltd Loan Account No. << >>"" • In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer, i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided "

What are the charges I have to pay to change the mode of repayment/ account for my loan?

A service charge of Rs.500 is applicable for changes in loan repayment instructions issued from non-HDFC Bank Account (ECS or PDC facility). A cheque/payorder/demand draft for Rs. 500 favouring “HDFC Bank Ltd Loan Account No. << >>” will be required along with the revised set of repayment instructions.

Are there any additional charges for loan repayment?

The additional charges (if any) are applicable in case you default or in case of SWAP (i.e. change the repayment mode). The charges are updated and can be viewed in the Fees & Charges section in the Bank’s website of each loan product.

Balance Transfer Offers

Already have a personal loan? Reduce your EMIs by transferring your existing personal loan to HDFC Bank and avail special offers and exclusive benefits.

Interest rate as low as 11.49%* on the existing loan transfer

Flat processing fees of Rs. 999

Other HDFC Bank Personal Loan Products

For women customers

HDFC Bank Personal Loan Diva is an exclusive offer for today's women, who are empowered, enlightened and enterprising - a woman like you. This tailor-made Personal Loan takes you closer to fulfilling your dreams by taking care of your financial requirements and also comes with a host of benefits through special privileges.

HDFC Bank Personal Loan Diva offers:

Pre-approved Personal Loan of Rs 3 lac*

More than 100 Diva offers across premium brands and products.

Other HDFC Bank Personal Loan Products

About HDFC Bank

HDFC Bank Limited is an Indian banking and financial services company headquartered in Mumbai, Maharashtra. Incorporated in 1994, it is the fifth largest bank in India as measured by assets. It is the largest private sector bank in India by market capitalization as of February 2014. The bank was promoted by the Housing Development Finance Corporation, a premier housing finance company (set up in 1977) of India.

According to the Brand Trust Report 2014, HDFC was ranked 32nd among India's most trusted brands. HDFC was ranked 45th on the list of top 50 Banks in the world in terms of their market capitalization.

HDFC Bank Highlights

KPMG India's Best Banks 2015 Awards by Business Today, 2016
Mr. Aditya Puri in Barron's Top 30 Global CEOs for 2nd year by Barron's World's Top 30 CEOs, 2016
HDFC Bank wins prestigious IBA Banking Technology Awards by IBA Awards, 2016
HDFC Bank wins Bank of the year and Best Digital Banking Initiative awards by Business Today - KPMG India's Best Bank, 2016
HDFC Bank wins NPCI National Payments Excellence Awards, 2015
Excellence in Customer Experience by IDC Insights Award 2015

Personal Loan Can Be Used For Many Purposes Like Below

Higher Education

Marriage

Vacations

Festivals

Medical Emergency

Home Renovation

Consumer Goods

School Fees

Why to Avail Personal Loans?

Multi-purpose loan
No security or Collateral free 
Fixed rate of Interest
Flexible tenures from 6 months up to 60 months based on the profile of the customer.
Quick processing and recommendable in emergency
Loan payable (Repayment) in easy installments
Repayment through ECS / Auto-debit / PDC
Applicable charges- Processing fee, Pre payment charges and delay charges
No part payments allowed
Online application with less paper work.
Credit score can be improved on complete payment without any delays
Age limits - min 18 years to max 55 years
Online application with less paper work.
Min loan amount 50,000
Max loan amount up to 20,00,000

Expert Advice

Best Practices for Personal Loan

Clear Identification of purpose and planned Budget.
Cost - benefit analysis
Peer comparison- ROI, PF and other charges and repayment tenor (shop around)
Know your credit history score and eligibility
Plan the repayment from the regular incomes than from futuristic/speculative income.
Check various other alternatives before availing a personal loan.n
Be clear on payment date and mode of payment like ECS, Online payments, Post dated cheques.
Terms and conditions to be clearly understood before signing up the agreement.
Take payment protection insurance
Ensure proper updation of contact details.

Things not to do for Personal Loan

Do not jump to apply a loan do the necessary homework
Do not borrow more than what is required.
Do not apply loan at too many places at a time.
Do not sign personal loans for others
Do not sign the terms and conditions without reading
Do not rush with the process.

Factors that affect interest rates on Personal Loan

Banks charge a different rate of interest depending on a whole host of factors. The interest rate can broadly vary between 14 - 24%. We take you through three such individual details that can affect the rate of interest charged by the bank.

1) Credit/CIBIL History:-
 If you have good credit/CIBIL record then banks will definitely award you with a better rate of interest. This means that if you have taken a loan previously and managed to pay it off without defaulting then you will have a high credit/CIBIL score. Apart from the loan the banks also take into account payment of your credit card bill record.
2) Nature of Employment:-:-
The nature of your job also plays a crucial role in determining the interest rate. Banks have different checks in place if you are a salaried individual vis-à-vis a self employed person. So if you are working with a reputed organization then banks will be able to extend a cheaper rate of interest. But if you are working with an organization that is not very well known then a higher rate will be charged. In case you have your own business then banks will give you a loan even if you are in an advanced age. On the other hand in case you are a salaried employee then a loan will not be extended if you are nearing the age of retirement.
3) Bank-Customer relationship:-:-
If you approach the bank where you already have a bank account and you are a valued customer then banks may give you certain leeway. This mean you can negotiate with the bank for a cheaper interest rate. Most banks agree to give a concession of 0.5-1% on the interest rate. So next time you go around shopping for a personal loan, remember that these three points will affect the amount that the bank sanctions and the interest rate that it is levied. In the next article we will cover more points that affect interest rates on personal loan. So stay tuned!

Personal Loan Advantages and Disadvantages

Personal Loan Advantages:

A) Easy availability:
 A lot of banks offer personal loans of various amounts and durations. You can pick and choose between them.
B) No collateral:
Personal loans are not very large amounts. They rarely exceed Rs. 4 lakhs. So there is no need to put up security or collateral against personal loan.
C) No criteria:
You can opt for a personal loan without having to explain to the bank why you need it. You can take a personal loan for any purpose including travelling, home repairs, medical emergencies.
D) Quickly available:
If you have a relationship with a bank you can get a personal loansanctioned within 24 hours. Personal loans also require very little paperwork.
E) Improves credit history:
If you regularly pay your EMIs on time then personal loans are a great way to improve your credit record. An improved CIBIL credit record can be very beneficial when you are looking for a new loan.

Personal Loans Disadvantages:

A) High interest rates:
 After credit cards, personal loans have the highest interest rates among credit products. Sometimes personal loans have higher rates than credit cards also.
B) High pre-payment penalty:
If you pre-pay your personal loans, banks often charge a high penalty.
C) Need good credit history:
Today, most banks give personal loans only to people with a good credit history. If someone regularly takes personal loans, he may be seen as someone who is not careful with his finances.
D) Affects credit report: 
If you default on your personal loan your CIBIL credit report reflects it and your credit rating and credit score are affected.
E) Bad image:
If banks access your CIBIL credit report and see a large number of personal loans, you are seen as someone who constantly needs money and who is indiscipline.

10 Things to Keep in Mind While Taking a Personal Loan

A personal loan must be taken only for emergencies. These include medical emergencies, urgent repairs to your home or if you need to cover up a shortfall in an education loan or any other emergency needs.
Loans must not be taken for holidays, investing in stocks, buying expensive gadgets etc.
The amount you pay for a personal loanshould ideally not be more than 25 percent of your salary every month.
Flexible tenures from 6 months up to 60 months based on the profile of the customer.
Do your research before applying to a bank for a personal loan. Lots of banks have different rates of interest for different loans. (Check here)
Don't choose a flat rate of interest. Always choose an option that calculates interest on the reducing balance method.
Bargain with banks so that they don't charge you a pre-payment penalty charge.
Try and keep the loan term short, preferably 1-3 years.
Do not take too many personal loans as it reflects on your credit history.
Banks may tell you that you have been pre-approved for a personal loan and that you can get the loan cheaper than other customers. Check for it.
If you have a very large credit card debt (interest on credit cards is usually between 25%-30% percent for a month), you can take a personal loan to pay that off (interest on personal loans is between 13% -17% for a month).

Personal Loans Precautions

1. Clear Identification of purpose and planned Budget:  

One should have a clear identification of purpose of availing personal loan. Never opt for a personal loan only just because you can. Going for personal loan is a wise decision only in case of emergency and where the purpose is unavoidable. Apart from the purpose one has to also plan and budget the total requirement well in advance before applying for a personal loan.
Borrowing more than what is required leads to unnecessary debt. In certain instances borrowing far less than required amount may result in not serving the purpose. Therefore one has to make complete budget of the purpose and plan his / her borrowings accordingly. It is always to be noted that money one's spent is lost forever and unnecessary debt can lead to financial stress.

2. Understand the need Vs personal Loan:

Before opting for a personal loan one has make cost – benefit analysis of various kind of other loans which customer can get in the market. In case of emergency and unavoidable situations you can go for personal loan but where the purpose is to improve the life – like buying a fuel efficient car customer has to analyze the cost and benefits involved in the long run. In this scenario it is to be understood that in long run the benefits from purchase of new fuel efficient car should be greater than the interest charges and other costs involved in availing personal loan.

3. Check for Better rate:

Before availing a personal loan from any particular Bank/ NBFC customer has to compare interest payable and other charges to know the best annual percentage rates available in the market. Though the customer has a pre approved personal loan at a concessional rate with a particular Bank, he/ she might get the loan at a comparatively still lower rates with others. Therefore it is always better to check with 3-4 Banks before making the mindset to proceed with any one in particular. ApnaLoanBazaar will always provide the industry best rates, which are available in the Indian market. Check for Personal Loan Interest rates with ApnaLoanbazaar

Also the repayment tenure is other point to be noted before taking a loan. Eg: Some Bank's may offer maximum repayment tenor of 36 months whereas some others may offer maximum up to 60 months. Customer has to decide the repayments based on his income in consideration of his / her other obligations.

4. Credit scoring & Eligibility Criteria: 

Personal loans best feature is collateral free and quick loan process, Hence Bank/NBFC will carefully analysis of your credit history. Customers with good credit history score will have high bargaining power. Customers with moderate / Low credit history may end up taking loans at higher rate of interest and Banks will have advantage of it. Customers have to ensure that they do not have any overdue while going for a personal loan. It is advisable to clear the credit card outstanding and other loan overdue before going for a personal loan as it improves credit worthiness. It is to be noted that not only income of the customer but Leverage is considered for arriving the limits. Generally Bank/NBFC prefer the credit score is above 730 for funding the personal Loan.

ApnaLoanBazaar will help you to know your CIBIL(Credit) Score: Know your Credit Score here

5. Plan the repayment from the regular:

Customer has to be aware of repayment tenor, monthly repayment date, mode of payment and installment amount. Repayment tenor to be planned based on the income and obligations. Over burden of EMI may result in delay and sometimes even default of the loan amount. Customer shall not forget the repayment date and maintain sufficient balances in the account for meeting the EMIs. Payment of EMIs by way of ECS through account is preferable to avoid unintentional delays. Even online payment from account is a suggestible mode of payment. In case of salaried employees it is better to opt the monthly repayment date to be within first week of the month. In case of entrepreneurs/ Businessmen the EMIs are to be planned from their regular income than depending on some other futuristic/speculative sources.

6. Terms & Conditions:

All the terms and conditions to be read carefully, before sign the loan agreement. Terms in smaller font to be observe carefully. Payment terms to be noted and have to maintain sufficient balance in the account for meeting the EMIs. Check the correctness of the updated personal details. Mobile alerts, Email alerts will remind the due date of payment and confirm the receipt of amount. In his/ her busy schedule customer may forget the due date whereas these alerts will remind them and help in making the payments on time.

Other Important Points to be noted:

In general the larger the loan amount the lower the interest rate. In some instances you may save on borrowing slightly higher. Plan accordingly.
Do not make late payments; there is risk of delay charges and increase in annual rate. This will also affect your credit history.
Co-signing of any other individuals’ personal loan to be done with extreme caution because any default by them will affect your credit history.
Good payment track will improve the credit history and make you eligible for additional loans with lower interest rate benefits.

About Erode

"Erode was under the regimes of Cara kings in 850 A.D. Thereafter (in 1000 A.D. - 1275 A.D.) this place came under the rule of Cholas with Dharapuram as their Headquarters. Subsequently it came under the control of Padiars (from 1276 A.D.). Only during this period, a ruler by name Veerapandian caused the digging of Kalingarayan Channel. Then the Muslims (Modeen Sulthans) took over the rule after which Nayaks of Madurai ruled. Then Hyder Ali and Tippu Sultan had their sway.

In 1799 when Tippu fell to the British, the East Indian Company took over the administration.During Hyder Ali's regime, this town flourished with 300 houses. A population of 1500, a mud fort, with a garrison of 4000 soldiers surrounded by coconut groves and fertile lands bounded on the north by River Cauvery and east by Kalingarayan channel (By Bucchanan 7th and 8th November 1800). But owing to the successive wars of Marathas, Mysore and British invasions, it become almost deserted and ruined. However, as peace was restored by the British, the people returned and settled here. Within a year it began to grow with 400 houses, and a population of 2000. The garrison withdrew in 1807, and the ruined fort was levelled as a relief work during the famine in 1877. The place enclosed within the rampart was occupied by the houses. About a mile and half east of the town, there is an old bridge which spans River Cauvery. The wall at ""Pechiparai"" situated at the present V.O.C.Park was once celebrated for its ""wholesome and milky water"". There are two old temples - one dedicated to Lord Siva and the other to Lord Vishnu. The root for the name of the Town ""ERODE"" may be because of the existence of the two water courses viz., Perumpalayam and Kalingarayan Canal, (hence Eru Odai, meaning two rivers in Tamil). But there is also a legend which says that the place apparently derives its name from the words ""Eera Odu"" which means ""well skulls"". According to the story, Dakshaprajapathi, who had given his daughter in marriage to Lord Siva, conducted a Yaga. For this Yaga, Lord Siva was not invited. However, Dakshyayini came to take part in this Yaga much against the wish of her husband Lord Siva. On coming to Yagakundam, Dakshyayini was not welcomed by her parents or anyone. She was vexed and threw herself in the Yagakundam and burned to ashes. On hearing this, Lord Siva got highly enraged, proceeded to the sacrificial spot and threw every one present including Brahma. The skulls and bones were thrown in River Cauvery and remained wet always. Hence the name ""Eera Odu"" (wet skull) - Erode.

"

Places To Be Visited In Erode

Vellode Bird Sanctuary

    One of the favourite places to throng, Vellode Sanctuary is extended over an area of 77.1 hectares, and is situated in the Vadamugam Vellode village, 12 Kms from the city. The sanctuary serves as a dwelling place to several migratory birds as well as fishes and other aquatic animals.

Thindal Murugan Temple

    One of the major places of worship in the city, Thindal Murugan Temple is devoted to the reincarnation of Lord Vishnu, Lord Muruga. This place is situated on the Thindal village at a small hill and is 6 Kms from the city centre.

Government Museum

    The Museum displays provincial art and traditions and was opened in 1987 for the public. Government Museum is one of the main attractions in the city which outlines different and beautiful handicrafts, artifacts and stones from Bargur.

Fortified Temples

    Fortified Temples are the important religious place in the district. The city is formed around a damaged fort, which houses a temple for Arudra Kabaleeswar, dedicated to Lord Shiva and the other for Kasthuri Ranganatha Perumal which is dedicated to Lord Vishnu.

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