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HDFC Bank Personal Loan Detail for Sample
| Particulars | Loan Details |
|---|---|
| Loan Amount | 50,000 to 40 lakhs |
| Interest Rates | 10.90 to 24.00% per annum |
| APR (Annual Percentage Rate) | Max 24% per annum |
| Loan Processing Charges | Up to ₹6,500 + GST (Depending on the loan amount) |
| Loan Tenure | 12 months to 60 months |
| Age of Applicant | 21 years to 60 years of age |
| Foreclosure charges | As applicable |
Sample Calculation
This is an example calculation for a personal loan of ₹10,00,000 for 60 months at 15% interest rate p.a. from HDFC Bank
Loan Amount: ₹10,00,000 at Interest rate of 15% p.a.
Loan Duration: 5 years (60 months)
Total Loan Interest: ₹4,27,400
(This is based on EMI of ₹23,790 over 60 months)
Processing Fees (PF) + GST: ₹6,500 + ₹1,170 = ₹7,670
Total Deductibles (PF + GST): ₹7,670
In-Hand Amount:
Loan Amount – Total Deductibles = ₹10,00,000 – ₹7,670 = ₹9,92,330
Total Repayable Amount:
Loan Amount + Interest = ₹10,00,000 + ₹4,27,400 = ₹14,27,400
Monthly EMI Repayable:
₹14,27,400 ÷ 60 months = ₹23,790
PF + GST are deducted upfront during the loan disbursal.