What HDFC Bank asks for on personal, home, business, vehicle, education 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.
One free check compares your profile with HDFC Bank and the other 39 lenders we track. It does not touch your credit score.
How HDFC Bank tends to lend (our read): Employer-category driven. Your company's internal grade at HDFC moves your rate more than a 20-point bureau difference. Lends in: Metro, Tier 2, Tier 3 / other locations.
About 55% of incomeOur working estimate - lenders rarely publish this
Fees and charges
Processing fee up to Rs 6,500 + GST; full foreclosure 4% up to 24 EMIs, 3% for 25-36 EMIs, 2% after 36 EMIs; part-payment up to 25% of principal once a year, charged at the same slabs; payment return Rs 450; rebooking Rs 1,000 + taxes; stamp duty as per state law.
Research notes
HDFC's eligibility page (checked live 25 Oct 2026) publishes age 21-60, 2 years' total experience with 1 year at the current employer and a flat Rs 25,000 minimum net monthly income, with no separate floor for non-HDFC salary accounts (the old Rs 50,000 figure was aggregator-sourced and is dropped). Its FAQ calls 720 the minimum and ideal score; an older HDFC page cited 650. The product page advertises up to Rs 1 crore and rates of 9.99-24%; tenure is 12-72 months (the calculator runs 1-7 years, an FAQ says 12-60 months). FOIR, the income multiple and the 750 preferred score are working estimates.
21 to 60 years (age when the loan ends); self-employed up to 65
Minimum income
₹25,000 net per month; self-employed: ₹3,00,000 a year
Minimum credit score
680 (CIBIL or equivalent)
Employment
Salaried or self-employed
Business vintage (self-employed)
3 years in business
Funding (LTV)
Within RBI limits: up to 75-90% of the property value, depending on the loan size
Loan amount
₹5,00,000 to ₹10,00,00,000
Tenure
1 year to 30 years
Interest rate
8% to 13.45% p.a.
EMI-to-income limit (FOIR)
About 60% of incomeOur working estimate - lenders rarely publish this
Fees and charges
Processing fee up to 0.50% of the loan or Rs 3,000, whichever is higher, plus taxes; no prepayment charge on adjustable-rate loans to individuals unless taken for business purposes; fixed-rate prepayment 2% except from own sources; delayed payment up to 24% a year; cheque dishonour Rs 300.
Research notes
Uses the home-loan product page (checked live 25 Oct 2026): its eligibility FAQ gives age 21-60 salaried / 21-65 self-employed and minimum income Rs 25,000 a month salaried / Rs 3 lakh a year self-employed, tenure up to 30 years or retirement, up to Rs 10 crore, LTV 90/80/75%, and rates of repo + 2.50% to 7.95% = 8.00-13.45%. Conflicts recorded: the same page's main block says age 18-70, and the separate FAQ page says 21-65 with Rs 10,000 / Rs 2 lakh. No minimum CIBIL is published, so the 680 floor, FOIR and 3-year self-employed vintage are working estimates.
Processing fee up to 2% of the loan (nil up to Rs 5 lakh for micro and small enterprises with Udyam certificate); foreclosure 4% up to 24 EMIs, 3% for 25-36 EMIs, 2% after 36 EMIs (nil for MSE fixed-rate loans up to Rs 50 lakh from own sources); payment return Rs 450; rebooking Rs 1,000 + taxes.
Documents HDFC Bank lists
Identity: voter ID, permanent driving licence, passport or Aadhaar
Address: utility bill, property tax receipt, Aadhaar or passport
Last 6 months' bank statements and last 6 months' GST returns
Last 2 years' ITR with computation, CA-certified or audited balance sheet and P&L for 2 years
Business continuation proof: ITR, trade licence, establishment or sales-tax certificate
Research notes
HDFC's eligibility page publishes age 21 at application to 65 at maturity, 3 years in the current business and 5 years' total business experience, profit in the previous 2 years, minimum annual ITR income Rs 3 lakh and turnover Rs 40 lakh. Unsecured loans run up to Rs 75 lakh (Rs 1 crore in select locations; the FAQ gives a Rs 75,000 minimum) over 12-48 months at a rack rate of 10.75-22.50% fixed. Score thresholds are working estimates.
21 to 60 years (age when the loan ends); self-employed up to 65
Minimum income
₹25,000 net per month; self-employed: ₹3,00,000 a year
Credit score
750+ preferredOur working estimate - the lender does not publish a floor
Employment
Salaried or self-employed
Work experience (salaried)
2 years total, 1 year with the current employer
Business vintage (self-employed)
2 years in business
Vehicles financed
New car
Funding (LTV)
up to 100% of the price (new car)
Loan amount
₹1,00,000 to ₹25,00,000
Tenure
1 year to 7 years
Interest rate
9% to 14% p.a.
Fees and charges
Processing up to 0.5% of the loan amount (minimum Rs 3,500, maximum Rs 8,000); documentation Rs 700; RC collection Rs 600; foreclosure (loans from 1 Dec 2025) 6% in year 1, 5% in months 13-24, 3% after 24 months.
Documents HDFC Bank lists
Identity and address proof: passport, driving licence, voter ID, NREGA job card, NPR letter or Aadhaar
Salaried: latest salary slip and Form 16
Salaried: bank statement for the previous 6 months
Sole proprietor: latest ITR and 6 months' bank statement
Partnership / company: audited balance sheet, P&L and company ITR for the previous 2 years
Research notes
HDFC's car-loan eligibility page publishes: salaried 21 to 60 at maturity, Rs 3 lakh a year (Rs 25,000/month = 3 lakh / 12), 2 years' total and 1 year current experience; sole proprietors 21 to 65, 2 years in business, Rs 3 lakh a year. The Rs 25 lakh maximum is from the FAQ and the Rs 1 lakh minimum is our estimate (the panel's common published floor). The pricing page shows 8.25% in one extract and 9.00% in another while its FAQ says 9.40%, so 9.00% is used; the 14.00% top is HDFC's published Apr-Jun 2026 customer IRR maximum. No minimum CIBIL is specified (above 750 is called excellent), so there is no score gate.
Indian Education: processing nil up to Rs 7.5 lakh, 1% above Rs 7.5 lakh (+ GST); prepayment and cancellation nil; EMI return Rs 450; legal charges at actuals. Foreign Education has its own schedule.
Documents HDFC Bank lists
KYC: age, signature, identity and residence proof
Latest 2 salary slips
Latest 6 months' bank statement
Last 2 years' ITR and audited balance sheet for self-employed
Completed application form
Latest photograph signed across
Research notes
HDFC Bank's own education loan (eligibility page): Indian resident student aged 16 to 35, admission by entrance test or merit to a recognised institution in India or abroad, co-applicant (parent, guardian, spouse or parent-in-law) mandatory for all full-time programmes. Up to Rs 1.5 crore; the Rs 50 lakh collateral-free limit applies only to select premier institutes, so no general collateral-free limit is modelled. Repayment up to 15 years; moratorium course + 1 year or 6 months after getting a job, whichever is earlier. Rate starts at 10.50%; the 11.70% cap is our estimate from the Apr-Jun 2026 offered-rate disclosure (IRR 9.30% to 11.70%); the 12-month minimum term and Rs 50,000 minimum amount are our estimates.
ClearToLend is not affiliated with or endorsed by HDFC Bank. Criteria are taken from public sources as of 2 November 2026 and can change; confirm the current terms with HDFC Bank before you apply. A match is not a loan offer or approval.
HDFC Bank Loan FAQs
The minimum net monthly income is ₹25,000, according to HDFC Bank's own website, as checked on 2 November 2026. Lenders can ask for more depending on your city, employer and existing EMIs.
A credit score of 720 or above, according to HDFC Bank'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 60 when the loan ends, according to HDFC Bank's own website.
Rates run from 9.99% to 24% a year, according to HDFC Bank's own website. Your own rate depends on your credit score, income and employer.
The minimum net monthly income is ₹25,000, according to HDFC Bank's own website, as checked on 2 November 2026. Lenders can ask for more depending on your city, employer and existing EMIs.
A credit score of 680 or above, according to HDFC Bank'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 60 when the loan ends, according to HDFC Bank's own website.
Rates run from 8% to 13.45% a year, according to HDFC Bank's own website. Your own rate depends on your credit score, income and employer.
A credit score of 700 or above, according to HDFC Bank'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 HDFC Bank's own website.
Rates run from 10.75% to 22.5% a year, according to HDFC Bank's own website. Your own rate depends on your credit score, income and employer.
No. ClearToLend compares your details with HDFC Bank's published criteria without pulling your credit report, so nothing is recorded on your CIBIL file. ClearToLend is not affiliated with HDFC Bank and does not send your details to it.
