HDBFS

Apply instant HDBFS personal loan Online to get an ROI that can be range up to 36% p.a. but the maximum available loan amount, which is Rs. 20 lakh, can tackle any of your personal financial distress easily. Features You Get When You Apply Instant HDBFS Personal Loan Online The loan is unsecured so it …

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Apply instant HDBFS personal loan Online to get an ROI that can be range up to 36% p.a. but the maximum available loan amount, which is Rs. 20 lakh, can tackle any of your personal financial distress easily.

Features You Get When You Apply Instant HDBFS Personal Loan Online

  • The loan is unsecured so it doesn’t require any collateral or guarantor to apply instant HDBFS Personal Loan online.
  • The interest rates are quite competitiveto apply instant HDBFS Personal Loan online.
  • The repayment tenure of up to 60 months is more than enough to repay the loan.
  • You’ll get quick approval if you apply instant HDBFS Personal Loan online.
  • Apply instant HDBFS Personal Loan online for a hassle-free process.
  • The collection of the documents will be made through a representative from your doorsteps.
  • The HDBFC customer support will resolve any of your queries.
Criteria To Apply Instant HDBFS Personal Loan Online
Loan Amount Up to 20 lakh
Loan Tenure 12 months to 60 months
Rate of Interest Up to 36%
Processing Fee Up to 3% of the loan amount

 

Payable Fees and Charges 

Penal Charges 3% of EMI (charged per month)
ECS or Cheque Bounce Charges Rs. 750
Charges for ECS Swap Rs. 750
Loan Cancellation Charges Rs. 1,000
Charges for the Additional Repayment Schedule Rs. 500
Charges for the Statement of Account Rs. 500
Charges for Document Retrieval Rs. 500

 

Conditional Foreclosure Facility

You can pre-close your personal loan account only after paying the first 6 EMIs successfully. The charges for the foreclosure are as follows.

  • @ 4% from 7th to 36th
  • @ 2% after 36th

Eligibility Criteria to apply Instant HDBFS Personal Loan Online

Salaried Individual ·         Minimum age 21 years.

·         Maximum age 60 years or retirement age (whichever is earlier).

·         Maximum age 65 years for government employees.

·         The age of the employment should be at least 1-year old.

·         The minimum monthly salary should be Rs. 20,000 in metro cities and Rs. 15,000 in other cities.

Self-employed Professionals (Doctors, architects, CAs, Company Secretaries) ·         Minimum age 22 years.

·         Maximum age 65 years.

·         The age of the profession should at least 3 years old.

·         The minimum annual income should be Rs. 1,00,000 in metro cities and Rs. 75,000 in other cities.

Self-employed Individuals (Sole-proprietors, directors, or partners in a business) ·         Minimum age 22 years.

·         Maximum age 65 years.

·         At least 4 years spent in business and at 2 years spent in the current business.

·         The minimum annual income should be Rs. 1,00,000 in metro cities and Rs. 75,000 in other cities.

Self-employed in Pvt. Companies or Partnership Firms ·         Minimum age 22 years.

·         Maximum age 65 years.

·         At least 4 years spent in business and at 2 years spent in the current business.

·         The minimum annual income should be Rs. 1,00,000 in metro cities and Rs. 75,000 in other cities.

·         The business should have gained profit in the last 2 years.

 

Documents Required

The following documents will be required based on the profession of the applicant to apply instant HDBFS Personal Loan online.

 

·         Salaried Individual ·         PAN Card

·         Voter’s ID Card/ Aadhaar Card/ Passport/ Driving License/ Utility Bill

·         Bank statements of past 3 to 6 months

·         Salary slips of past 3 months

·         ITRs of past 3 years

·         Self-employed Professionals (Doctors, architects, CAs, Company Secretaries)

·         Self-employed Individuals (Sole-proprietors, directors, or partners in a business)

·         Self-employed in Pvt.Companies or Partnership Firms

·         PAN Card

·         Voter’s ID Card/Aadhaar Card/ Passport/ Driving License/ Utility Bill

·         Bank statements of past 3 to 6 months

·         ITRs of the past 3 years, CA certified P&L accounts and Balance Sheets for the past 3 years.

·         Trade license and GST certificate

·         Company AOA, MOA, SSI Registration, ROC Registration, agreement of proprietorship, partnership.

 

How to Apply Instant HDBFS Personal Loan Online

Through Roopya, you can applyinstant HDBFS Personal Loan online and get instant approval along with proper documents.

  • After reaching Roopya’s website, fill-up the form with your name, age, income, profession, required loan amount, tenure, ROI, etc.
  • Then you will get a personalized quote with the name of the lenders.
  • Select the HDBFS personal loan from thereto apply instant HDBFS Personal Loan online.
  • Now finish the application process with required details and soft copies of the relevant documents.
  • If you qualify for the loan, then you’ll be notified of the instant approval.

Customer Care Details

  • Call at +91 44 4298 4541 from 10:00 am to 6 pm, Monday to Friday (except national holidays).
  • Visit the nearest branch of HDBFS for any assistance.

FAQs

Here are the answers to some frequently asked questions by the applicants.

  • What should be the valid purpose to take HDBFS Personal Loan?

HDBFS personal loan is unsecured and does not ask for any particular reason for taking up the loan. You can literally manage any of your financial needs with the sanctioned loan amount.

  • Can I still apply for another personal loan from HDBFS if there is already an existing loan from them?

As there are no hard and fast rules, you are allowed to apply for another personal loan from HDBFS irrespective of having another existing personal loan from the institution. They will only provide you another loan on the basis of your credit history and your repayment capabilities.

  • How to check the application status?
  1. Go to the website of HDBFS and select ‘My Account. Enter your date of birth or PAN number, along with your mobile number. An OTP will be sent on your mobile number and you have to verify yourself by putting the OTP in the required field.
  2. On the website, you can use the chatbot ‘Ask Priya’ to check your application status.
  3. Download the‘ HDB- On the Go’ app on your mobile.
  4. Send an email to supporth@dbfs.com.
  5. You can visit the nearest branch of HDBFS for the status.
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