What HDB Financial Services asks for on personal, business loans - age, income, credit score, amounts, rates and documents - read from its own pages and labelled by how sure we are. Last verified 2 November 2026.
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How HDB Financial Services tends to lend (our read): Publishes granular self-employed gates (4 years in business, profit in the last 2 years, Rs 1 lakh annual income in metros) and keeps unsecured business tickets small - Rs 7.5 lakh for individuals. Lends in: Metro, Tier 2, Tier 3 / other locations.
21 to 60 years (age when the loan ends); self-employed up to 65
Minimum income
₹15,000 net per month; self-employed: ₹1,00,000 a year
Credit score
750+ preferredOur working estimate - the lender does not publish a floor
Employment
Salaried or self-employed
Business vintage (self-employed)
3 years in business
Loan amount
₹50,000 to ₹20,00,000
Tenure
1 year to 5 years
Documents HDB Financial Services lists
Identity and address proof (passport / voter ID / driving licence / PAN / Aadhaar / utility bill)
Date-of-birth proof
Salaried: salary slips and bank statements
Self-employed: ITR, financials, business proof
Research notes
HDB Personal Loan: up to Rs 20 lakh, 12 to 60 months, salaried and self-employed. Self-employed professionals: age 22 to 65, 3 years' business vintage, minimum annual income Rs 1 lakh (metro) / Rs 75,000 (non-metro), profitable for the last 2 years; self-employed individuals need 4 years in business with 2 in the current one. The salaried block on the page did not render - 21 to 60 and a Rs 15,000 floor are the NBFC median. Rate not published; personal rate card applies.
HDB unsecured Business Loan: individuals Rs 1 lakh to Rs 7.5 lakh (non-individual entities up to Rs 30 lakh), 12 to 36 months, age 21 at entry and 65 at maturity, 4 years in business with 2 in the same business, minimum annual income Rs 1 lakh (metro) / Rs 75,000 (non-metro), profit-making for the last 2 years. The normal / gross-margin programmes want Rs 2 crore turnover; the surrogate programme accepts 2 years' ITR instead - the Rs 10 lakh turnover gate here is a floor for the surrogate route, not the Rs 2 crore programme bar. Score floor is an NBFC-median assumption.
ClearToLend is not affiliated with or endorsed by HDB Financial Services. Criteria are taken from public sources as of 2 November 2026 and can change; confirm the current terms with HDB Financial Services before you apply. A match is not a loan offer or approval.
HDB Financial Services Loan FAQs
The minimum net monthly income is ₹15,000, according to HDB Financial Services's own website, as checked on 2 November 2026. Lenders can ask for more depending on your city, employer and existing EMIs.
You need to be at least 21 and no older than 60 when the loan ends, according to HDB Financial Services's own website.
A credit score of 700 or above, according to HDB Financial Services's own website. A higher score usually gets a better rate; the lender makes the final call after pulling your report.
You need to be at least 21 and no older than 65 when the loan ends, according to HDB Financial Services's own website.
No. ClearToLend compares your details with HDB Financial Services's published criteria without pulling your credit report, so nothing is recorded on your CIBIL file. ClearToLend is not affiliated with HDB Financial Services and does not send your details to it.
