HDFC Loans FAQs

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.hdfcbank.com/services 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.

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.Try our EMI calculator to calculate how much you need to pay each month.

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.

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

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

You get preferred Processing Fee, priority processing and simpler documentation if you have a Current/Saving Account with HDFC Bank. This is taken into account at the time of disbursal of the loan. You can pay through Standing Instructions to debit your HDFC Bank Account with the EMI amount.

You can avail of a loan from Rs 50,000/- to Rs 50,00,000/- depending on your income, repayment capacity and respective location product cap.

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

To obtain the loan, there is absolutely no need to provide any security or collateral.

You can repay your loan over a period of 12 to 48 months

You get preferred Processing Fee, priority processing and simpler documentation if you have a Current/Saving Account with HDFC Bank. This is taken into account at the time of disbursal of the loan. You can pay through Standing Instructions to debit your HDFC Bank account with the EMI amount.

You can avail of a loan from Rs 50,000/- to Rs 1 Cr* depending on your income, repayment capacity and respective location product cap.

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

To obtain the loan, there is absolutely no need to provide any security or collateral.

You can repay your loan over a period of 12 to 60 months