HDFC Bank
India's largest private sector bank, recognised for retail banking strength and prime-profile lending.
About HDFC Bank
HDFC Bank, established in 1994 and headquartered in Mumbai, is one of India's largest private sector banks by assets. With a pan-India network and a strong digital-first application flow, HDFC serves retail and corporate customers across the full spectrum of banking products - home loans, personal loans, car loans, business credit, working capital, and trade finance. Known for industry-leading processing times for prime-profile applicants. MahadevX is an empanelled DSA channel; we help you compare HDFC's offers against 24+ other partners on a single OTP-verified application.
Loan Products & Rates from HDFC Bank
Indicative starting ranges. Your personalised offer is finalised by the lender based on your profile.
Personal Loan
Rate 10.5% – 21.0% p.a.; loan up to Rs 40,00,000; tenure up to 60 months.
Business Loan
Rate 10.5% – 21.0% p.a.; loan up to Rs 40,00,000; tenure up to 60 months.
Home Loan
Rate 10.5% – 21.0% p.a.; loan up to Rs 40,00,000; tenure up to 60 months.
Loan Against Property
Rate 10.5% – 21.0% p.a.; loan up to Rs 40,00,000; tenure up to 60 months.
Credit Card
Rate 10.5% – 21.0% p.a.; loan up to Rs 40,00,000; tenure up to 60 months.
Where HDFC Bank fits best
No two lenders are right for every profile. Here is where this one stands out.
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Salaried prime profiles (typically Rs 50K+ monthly income, CIBIL 750+)
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Quick disbursal for existing HDFC banking customers (24-48 hours typical)
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Mid-to-high ticket home loans (Rs 50L+) and premium car loans
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Established businesses with audited financials and 3+ years vintage
Why apply through MahadevX
Multiple bank comparison
One OTP-verified application; we negotiate your file with HDFC Bank and 24+ other lenders and bring you the top offers. One CIBIL inquiry, not twenty-five.
Dedicated advisor
A real human runs your file from documentation pickup to lender coordination to disbursal follow-up. Reachable on call and WhatsApp.
Debt restructuring advisory
Unique to MahadevX: if you have existing high-EMI loans, our advisors can structure consolidation that lowers your monthly outgo before we add a new file.
Eligibility & Documents
Salaried Borrowers
- Age 21 to 60 years
- Minimum monthly income usually Rs 25,000 (Rs 50,000+ for prime products)
- Salaried with at least 2 years of work experience
- CIBIL score 700+ (750+ unlocks the best rates)
- Indian resident; pan-India serviceability
Self-Employed Borrowers
- Age 23 to 65 years
- Business vintage of 2-3 years (specific lenders consider 1 year)
- Audited financials and last 2 years ITR
- Latest 12 months GST returns and bank statements
- CIBIL score 700+ on personal and business credit
Documents Required
- PAN card
- Aadhaar card (for KYC and address)
- Latest 6 months bank statement
- Last 2 years ITR + audited financials (self-employed)
- Last 3 months salary slips (salaried)
- Property documents (for home loan / LAP)
- GST registration and last 4 quarters returns (business loan)
Is HDFC Bank right for you?
Three taps for an honest read - indicative, in your browser only.
HDFC Bank FAQs
Is HDFC Bank good for personal loans?
HDFC offers competitive personal loan rates starting from around 10.5% p.a. for salaried prime profiles. Existing HDFC customers often see faster approval and better rates.
What is the minimum income for an HDFC personal loan?
HDFC typically requires Rs 25,000 monthly income for personal loans, though prime cities and salary-account holders may see lower thresholds. MahadevX presents your file at the right slab.
How long does HDFC home loan approval take?
For existing customers with complete documentation, sanction is often issued in 3-7 working days; disbursal follows property verification, typically 7-15 working days end-to-end.
Can MahadevX help with HDFC Bank applications?
Yes. MahadevX is an empanelled DSA for HDFC. We coordinate your application, documentation pickup, and lender follow-ups - and we compare your HDFC offer against 24+ other lenders so you pick the best one.
Does HDFC provide unsecured business loans?
Yes, up to Rs 75L for established businesses with strong financials. Eligibility depends on turnover, profitability, and credit history of the business and directors.
Are there any fees I pay to MahadevX for HDFC applications?
No. Borrowers pay MahadevX nothing - our commission comes from HDFC after disbursal. The lender's standard processing fee may apply; that goes to HDFC, not to us.
Other lending partners
MahadevX Fintech is a loan distribution associate (DSA) of its partner banks and NBFCs, not a lender. Loan sanction, interest rates and final terms are at the sole discretion of the respective RBI-regulated lender and are subject to their credit policy. Figures shown on this page are indicative. Information here references publicly available RBI and lender guidelines and is for general awareness, not financial advice.
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