February 23, 2025

HDFC Personal Loan EMI Calculation

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You can use BankBazaar HDFC Personal Loan EMI Calculator to check your monthly prepayment amount. All you need to do is enter your preferred loan amount, tenure, interest rate and processing fee Hit “Calculate” to check your EMI and processing fee.

Let’s take a personal loan of Rs.1 lakh for a tenure of 1 year. Assume that HDFC charges an interest rate of 10.5% p.a. For the repayment tenure, you must pay an EMI of Rs.8,815. The loan repayment schedule is given as follows:

YearPrincipal Paid(A)1Interest Paid(B)Total Payment (A+B)Outstanding Loan Balance
2023Rs.15,949Rs.1,681Rs.17,630Rs.84,051
NovRs.7,940Rs.875Rs.8,815Rs.92,060
DecRs.8,009Rs.806Rs.8,815Rs.84,051
2024Rs.84,049Rs.4,096Rs.88,145Rs.0
JanRs.8,079Rs.735Rs.8,814Rs.75,971
FebRs.8,150Rs.665Rs.8,815Rs.67,821
Mar Rs.8,221Rs.593Rs.8,814Rs.59,600
AprRs.8,293Rs.521Rs.8,814Rs.51,306
MayRs.8,366Rs.449Rs.8,815Rs.42,941
JunRs.8,439Rs.376Rs.8,815Rs.34,501
JulyRs.8,513Rs.302Rs.8,815Rs.25,988
AugRs.8,587Rs.227Rs.8,814Rs.17,401
SepRs.8,663Rs.152Rs.8,815Rs.8,738
OctRs.8,738Rs.76Rs.8,814Rs.0

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Before you apply for a personal loan from HDFC Bank, ensure that you go through the loan particulars, check your eligibility, and are familiar with the terms and conditions of the lender.Other Loan Products from HDFCHDFC Retail Agri LoansHDFC Bank Tractor LoanHDFC Loan Against Property (Mortgage Loan)HDFC Agriculture LoanHDFC Bank Loan Against SecuritiesHDFC Bank Loan Against Rent ReceivablesHDFC Insta Loan – Know Eligibility and Interest RatesKnow Your Credit Score for FREE

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FAQs on HDFC Bank Personal Loan

  1. How can I repay my HDFC loan You can repay your loan amount in Equated Monthly Installments (EMIs). The loan repayments can be done via post-dated cheques, ECS, or via a standing instruction to debit the repayment amount from your HDFC Bank account.
  2. When can I take an HDFC top up loan? You can take a top up loan from HDFC when you opt for a balance transfer with HDFC.
  3. Can business owners take personal loans from HDFC Bank? No, HDFC Bank only offers personal loans to salaried individuals. Applicants are required to be employed with a private, public sector, or government body at the time of taking the loan.
  4. Can I avail a personal loan from HDFC Bank on a floating rate of interest? No, HDFC Bank charges a fixed rate of interest for personal loans.
  5. Does HDFC Bank allow part-payment of the loan amount and are there any conditions for the same? For personal loans that were disbursed on or after 1 April 2018, you can make part-payments, provided you have paid at least 12 EMIs.
  6. What are the conditions that are applicable when making part-payments? 1. Part-payments can only be made twice during the entire loan tenure. 2. Borrowers can only make a part-payment once in any given fiscal. 3. Each part-payment cannot be more than 25% of the outstanding principal amount.
  7. What is the repayment tenure for personal loans issued by HDFC Bank? If you take a personal loan from HDFC Bank, you will need to repay the due amount within 1 year to 5 years (12 to 60 months).
  8. How to check HDFC personal loan status? You can check the status of your HDFC personal loan application by visiting the website of HDFC bank. All you need to provide is the reference or proposal number along with the date of birth or mobile number.
  9. Am I eligible for HDFC personal loan moratorium? The COVID-19 crisis has posed a huge challenge for customers. Hence, based on RBI guidelines, HDFC offers its customers the option to opt for personal loan moratorium. All HDFC Bank customers who have taken personal loan prior to 1st March 2020 are eligible. Customers having overdues before 1st June 2020 are also eligible for personal loan moratorium. However, for the latter, requests shall be considered solely at HDFC’s discretion

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One thought on “HDFC Personal Loan EMI Calculation

  1. Excellent post! The advice on saving for a big event is so useful. I’ve been using this approach, and it’s helped me on track. I also created a no-cost tool to calculate how much to save, which your readers might find useful. Well done!

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