HDFC Personal Loan of 30000

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Hepson Franklin

Hepson Franklin is a seasoned financial expert and accomplished writer specialising in Financial Services, Investments, Loan Assessments, Mutual Funds, Banking & loan products. With a wealth of experience in the financial industry, he has established himself as a trusted voice, providing invaluable insights and guidance to both seasoned investors and those new to the world of finance. With a comprehensive understanding of the intricate facets of the financial landscape, he is dedicated to demystifying complex financial concepts for readers of all backgrounds.

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Piyush Bothra is the Chief Financial Officer at Square Yards, bringing over two decades of rich experience in finance and leadership. He is an MBA graduate from the prestigious IIM Lucknow and holds a BE in Information Technology from Sardar Vallabhbhai Patel Institute of Technology. He has played pivotal roles in scaling businesses and driving financial strategies. At Square Yards since 2015, Piyush is known for his strategic vision, strong financial knowledge, and valuable financial insights, significantly contributing to the company's growth and success.

Do you require a quick and easy way to access funds? HDFC Personal Loan 30000 could be the practical solution for you. In times of financial need, a personal loan of 30,000 from HDFC can also be a life-saver. Whether for unexpected expenses or a small investment, this unsecured loan offers a convenient and hassle-free way to meet your requirements without needing collateral. With Urban Money’s EMI calculator, you can gauge your choices, calculate your EMI, and experience a stress-free borrowing experience with HDFC. Here, you can explore the details of HDFC’s 30000 personal loan, covering eligibility, documents, fees, and more.

30000 Personal Loan HDFC – Highlights

The HDFC Bank personal loan of 30,000 is available to borrowers at the following terms.

Feature	Benefit
Loan Amount	₹30,000
Flexible Tenure	12 to 60 months
Attractive Interest Rates	Starting at 11.99%
Minimal Documentation	Quick and easy application process
Instant Approval	Get your loan approved in just 10 minutes

30000 Personal Loan EMI for 5 & 10 Years

Based on the starting 30,000 loan interest rate of 10.50% p.a., here are the loan’s EMIs for up to 5 years.

Month	Beginning Loan Balance	EMI	Principal	Monthly Interest	Outstanding Balance
1	₹ 30000	₹ 645	₹ 382	₹ 263	₹ 29618
12	₹ 25606	₹ 645	₹ 421	₹ 224	₹ 25185
24	₹ 20306	₹ 645	₹ 467	₹ 178	₹ 19839
36	₹ 14423	₹ 645	₹ 519	₹ 126	₹ 13904
48	₹ 7891	₹ 645	₹ 576	₹ 69	₹ 7315
60	₹ 639	₹ 645	₹ 639	₹ 6	₹ 0

Based on the starting 30,000 loan interest rate of 10.50% p.a., here are the loan’s EMIs for up to 10 years.

Month	Beginning Loan Balance	EMI	Principal	Monthly Interest	Outstanding Balance
1	₹ 30000	₹ 405	₹ 142	₹ 263	₹ 29858
12	₹ 28364	₹ 405	₹ 157	₹ 248	₹ 28208
24	₹ 26392	₹ 405	₹ 174	₹ 231	₹ 26218
36	₹ 24202	₹ 405	₹ 193	₹ 212	₹ 24009
48	₹ 21771	₹ 405	₹ 214	₹ 190	₹ 21556
60	₹ 19071	₹ 405	₹ 238	₹ 167	₹ 18833
72	₹ 16075	₹ 405	₹ 264	₹ 141	₹ 15811
84	₹ 12748	₹ 405	₹ 293	₹ 112	₹ 12455
96	₹ 9054	₹ 405	₹ 326	₹ 79	₹ 8729
108	₹ 4954	₹ 405	₹ 361	₹ 43	₹ 4592
120	₹ 401	₹ 405	₹ 401	₹ 4	₹ 0

Compare 30000 Lakh Personal Loan From Other Banks & NBFC

When choosing a personal loan, comparing options is crucial. Here’s a quick comparison of 30,000 HDFC personal loans with other leading banks and NBFCs, helping you make an informed decision.

Bank/NBFC	Interest Rate	Processing Fee
HDFC Bank	11.99%	Up to 2%
ICICI Bank	12.50%	Up to 3%
Axis Bank	13.25%	Up to 4%
Bajaj Finserv	14.00%	Up to 5%

30000 HDFC Home Loan – Fees and Charges

Availing a 30,000 personal loan from HDFC comes with transparency. Similarly, understanding the associated fees and charges is crucial to manage your budget effectively.

Fee	Description
Processing Fee	Up to 2% of loan amount
Prepayment Fee	Up to 5% of outstanding balance
Late Payment Fee	2% of overdue EMI

30000 HDFC Home Loan – Documents Required

The list includes identity proof to income statements for 30,000 personal loan documents for HDFC Bank. Here’s a comprehensive list to ensure a smooth processing experience.

Identity proof: PAN card, Aadhaar card, or voter’s ID
Address proof: Electricity bill, rental agreement, or bank statement
Income proof: Salary slips for the last three months or ITR
Bank statement: Copy of bank statements for the previous six months
Employment proof: Appointment letter for salary certificate

30000 HDFC Home Loan – Eligibility Criteria

Before applying, learn about the prerequisites and kickstart your journey for 30,000 personal loan eligibility for HDFC Bank.

Criterion	Requirement
Age	21 to 60 years
Employment	Salaried or self-employed
Minimum Income	₹25,000 per month
Credit Score	750 or above