HDFC Personal Loan EMI Calculator. Calculate Personal Loan EMI in Online also check Eligibility

Updated: May 24,2020 12:21 IST

Vikram Sharma

HDFC Personal Loan EMI Calculator. Calculate Personal Loan EMI in Online also check Eligibility

HDFC Personal Loan EMI Calculator is an Online tool given by HDFC for the applicant who are looking to apply for Personal loans at HDFC. HDFC Personal Loan EMI Calculator is user friendly and can be accessed in Online by any customers to check the EMI. HDFC Personal Loan EMI Calculator in Online and more details on HDFC Personal Loan are given in article.

An Overview on HDFC Personal Loan EMI Calculator

Personal Loan Calculator are used to calculate the EMI (Equated Monthly Instalment) of your Personal Loan by just providing few information. With the data provided, the calculator will give you the amount one should pay every month depending on the loan amount, interest rate and the tenure of the loan. Personal loans from HDFC Bank are quick, competitive and transparent. One can use this flexible online Personal Loan EMI Calculator to arrive at the EMI you are comfortable with. The calculator helps you to plan your borrowings and loan payments as per your requirements. 

Review on HDFC Personal Loan

HDFC or Housing Development Financial Corporation is one of the top Indian banking and financial services companies with a number of services from banking, treasury, loans and credit cards. Of these services, HDFC Personal Loans is one of the top services provided by the bank. HDFC Personal Loans have the quickest turnaround time, hassle-free documentation and transparent processing. With more of advantages, HDFC Personal Loan occupies the best Personal Loan provider.

What is the Online Link to Access HDFC Personal Loan EMI Calculator?

HDFC Personal Loan EMI Calculator is provided in Online by HDFC to check the Equated Monthly instalments of your Personal Loan your are going to avail. Click the link given below, it will redirect to the official HDFC Personal Loan EMI Calculator site. Enter details the necessary details like Loan amount, Interest rate and Loan Term to calculate EMI. Calculate from the link given below >> HDFC Personal Loan EMI Calculator. Once you enter the details in HDFC Personal Loan EMI Calculator it will calculate and display the monthly EMI amount. A graph will also be displayed in the page which provides or furnishes details like total loan amount paid, Interest rate paid and Principal amount paid on yearly basis. 

How to Use an HDFC Personal Loan EMI Calculator?

HDFC Personal Loan Calculator is used to check the EMI provided by the bank and requires a set of information to calculate the EMI. One can just click the link given and check the EMI. The link will redirect you to the official site to calculate EMI. Enter the necessary details requested and check the EMI for specific Personal Loan requested. The details needed to calculate EMI are

  • Loan Amount
  • Interest Rate
  • Loan Term

Once you give the input, the monthly EMI is instantly calculated and displayed. Graph representing Balance amount to be paid at a particular period, interest paid till that particular period, total amount paid, interest amount paid, and principal amount paid are all displayed along with the monthly EMI. This give the applicant a wide knowledge about the loan he/she is going to avail.

What are the Features and Benefits of HDFC Personal Loan EMI Calculator?

HDFC Personal Loan EMI Calculator is provided by the bank for the convenience of the loan applicants. This is an online facility which is easy to use and also saves a lot of time. Some of the features and benefits of HDFC Personal Loan EMI Calculator are listed below.

  • HDFC Personal Loan EMI Calculator is very simple to use.
  • It requires only very basic information to make EMI calculation.
  • It provides accurate EMI amounts to help the applicants to plan for their loan amount and monthly budgets.
  • EMI calculators helps the applicants to know their monthly expense towards repayment of loans and also provides details of number of installments to fully repay their loan.
  • This calculator helps the applicants to compare EMI amounts of different schemes so that it would easy for the applicants to choose the best scheme available.
  • HDFC personal loan EMI calculator provides instant results.

HDFC Car Loan EMI Calculator

HDFC understands its customer needs and offers wide range of car loans based on the convenience most suited for the customers. When it comes to buying a new car or even a pre-owned car you can opt for HDFC Car Loans. HDFC provides car loans under three wide categories and has provided two types of Car Loan Calculators for the applicants. Check the link for HDFC Car Loan EMI Calculator

New Car Loan Calculator

Information to be Provided by the Applicant

Results Displayed after Calculation

Loan Amount

Calculated EMI

Interest Rate

Tenure

The graph displayed below gives the interest amount, Principal amount, and the Balance amount for each year. The table below i.e. Monthly Amortization Schedule table displays information on Month, year, tenure months, EMI amounts for each month, Interest amounts for each month, principal amount of each month and the remaining loan amount.

Used Car Loan Calculator

Information to be Provided by the Applicant

Results Displayed after Calculation

Loan Amount

Calculated EMI

Duration

Interest Rate

Used Car Loan has higher interest rates. The graph displayed below gives the interest amount, Principal amount, and the Balance amount for each year. The table below i.e. Monthly Amortization Schedule table displays information on Month, year, tenure months, EMI amounts for each month, Interest amounts for each month, principal amount of each month and the remaining loan amount.

HDFC Home Loan EMI Calculator 

HDFC home loan EMI calculator will give an approximate figure for the total monthly installment payments along with a complete break-up of the home loan repayment process. EMI stands for Equated Monthly Installment which is an important part of your housing loan. It includes repayment of the principal amount and payment of the interest on the outstanding amount of your home loan. Longer loan tenure means reduced EMIs. A clear knowledge of the amount that you will need to pay towards EMIs will help you make an informed decision. However, in order to get the best approximation towards EMIs, it is important to use a home loan EMI calculator. With HDFC Home Loan EMI calculator, one can get a fair understanding about the ratio of the principal amount to the interest due, based on the effect of the home loan tenure and interest rates. Through HDFC Home Loan EMI calculator one can also gain access to an amortization table to strategize repayment schedule in advance. Click the link given and Calculate - HDFC Home Loan EMI Calculator
 

Information to be Provided by the Applicant

Results Displayed after Calculation

Loan Amount

EMI Payable (Per Month)

Rate of Interest

Loan Tenure

Other information provided in the HDFC Home Loan EMI Calculator table that is given in the EMI calculator page are

  • Years of Loan
  • Opening Balance
  • Amount Paid by the Customer (EMI*12)
  • Interest Paid during the Year
  • Principal Paid during the Year
  • Closing Balance

HDFC Home Loan Eligibility Calculator

For any Home Loan you apply in any bank, your eligibility is the first that the banks checks and upon this lies the loan amount you will be given. Similarly, HDFC has also put forward a set of eligibility criteria for its applicants to avail the Home Loan provided. Your eligibility is primarily dependant up on your income and repayment capacity. And another major eligibility upon which your interest rate and loan approval is your Credit Score. Other major factors that determine your home loan eligibility are

  • Your Age
  • Financial Position
  • Credit History
  • Credit Score
  • Other Financial Liabilities

To check your eligibility, HDFC has put forward an eligibility calculator. The link for HDFC Home Loan EMI Calculator is given below, Check your eligibility by entering the necessary inputs >> HDFC Home Loan Calculator

Information to be Provided by the Applicant

Results Displayed after Calculation

Gross Income (Monthly)

EMI Amount

Loan Tenure

Loan Amount

Rate of Interest

 

Other EMIs

 

What is the Eligibility Criteria to Avail HDFC Personal Loan?

There are certain eligibility criteria fixed by HDFC bank for the Personal Loan Applicants. Eligibility criteria is fixed for both salaried and self-employed individuals. Check below for the basic eligibility criteria

  • Individuals between age 21 to 60 years of age.
  • Salaried doctors, CAs, employees of private and public sector 
  • Minimum of 2 years in job and 1 year with current employer
  • Minimum of Rs. 15,000 net income per month
  • Minimum of Rs. 20,000 in Mumbai, Delhi, Bengaluru, Chennai, Hyderabad, Pune, Kolkata, Ahmedabad, Cochin

What are the Features of HDFC Personal Loan?

Check your Personal Loan eligibility online or at select branches in just 60 seconds. Once all your papers are submitted, the loan will be disbursed in just one working day. HDFC Bank can customise a Personal Loan for you. Existing HDFC Bank account holders can avail of our special offers, interest rates and charges. First-time Loan customers can also avail of a host of benefits.

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HDFC Personal Loan EMI Calculator - FAQs

1.

How is HDFC EMI calculated?

Enter details the necessary details like Loan amount, Interest rate, and Loan Term to calculate EMI. Once you enter the details in HDFC Personal Loan EMI Calculator it will calculate and display the monthly EMI amount. 

2.

What are the ways to reduce my personal loan EMI?

You can reduce your personal loan EMI by opting for a higher down payment, availing loans from your existing banks, negotiating with the bank for lower interests, comparing before switching your lender, prioritizing payment of loans with higher interest. full or part pre-payment of loans will also reduce your loan burden.

3.

What is the interest rate of personal loan in HDFC?

HDFC offers loans at the lowest rate of interest at 10.75%. Personal loans from HDFC Bank are quick, competitive, and transparent. One can use this flexible online Personal Loan EMI Calculator to arrive at the EMI you are comfortable with.

4.

What are the prepayment charges on HDFC Bank?

Prepayment of your loan amount can be done by the customer only after 12 months of availing the loan. It can be done with charges at 2 - 4%. 

5.

How can I pay my HDFC Bank loan EMI?

You can pay your HDFC loan EMI through net banking by providing standing instructions or ECS facility. This will automatically debit the EMI from your bank account every month so that you will not have to set a reminder to pay your EMI



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