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The basic eligibility criteria for HDFC personal loans are as follows:
- Employees of private limited companies and public sector undertakings, including central, state and local bodies are eligible to apply
- Individuals in the age group of 21 to 60 years are eligible to apply
- Individuals who have been in a job for at least 2 years with a minimum experience of 1 year with the current employer.
- Those with at least Rs. 25,000 as monthly net income.
How Is The Personal Loan Eligibility Calculated?
The personal loan eligibility is computed based on the six factors below
- Monthly income
- Geographical location
- Ownership of property.
- Employer
- Credit history
- Existing debts
- Current credit
How to Check The HDFC Personal Loan Eligibility?
You can check the HDFC Bank personal loan eligibility on the Bank’s website. Enter the details like company name, monthly take-home salary, total work experience in years, your age, existing EMI, and loan tenure.
