HDFC Personal Loan of 50000

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Written By

Utsah Sharma

Utsah Sharma is a seasoned financial expert with a Master’s Degree in Commerce specialising in Financial Services, Investments, Loan Assessments, Mutual Funds, Banking & Loan products. Drawing on her experience, she has established herself as a trusted voice, providing invaluable insights and guidance to seasoned investors and beginners. She is committed to breaking down the complexities of everything finance.

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Piyush Bothra

Chief Financial Officer, Square Yards

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.

HDFC, a leading financial institution in India, offers a comprehensive range of personal loans to cater to diverse financial needs. Among its offerings, the HDFC Personal Loan 50000 is popular for individuals seeking financial assistance to meet various personal expenses. This loan option provides easy access to funds, enabling borrowers to manage unexpected expenses, consolidate debts, or fulfil other personal aspirations. With its flexible features and convenient application process, the instant 50000 Loan HDFC empowers individuals to take control of their finances and achieve their personal goals.

50000 Personal Loan HDFC – Highlights

The HDFC Bank personal loan of 50,000 is available to borrowers at the following terms.

Feature	Benefit
Loan Amount	₹50,000
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

50000 Personal Loan EMI for 5 & 10 Years

Based on the starting 50,000 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	₹ 50000	₹ 1075	₹ 637	₹ 437	₹ 49363
12	₹ 42676	₹ 1075	₹ 701	₹ 373	₹ 41975
24	₹ 33844	₹ 1075	₹ 779	₹ 296	₹ 33065
36	₹ 24038	₹ 1075	₹ 864	₹ 210	₹ 23173
48	₹ 13151	₹ 1075	₹ 960	₹ 115	₹ 12192
60	₹ 1065	₹ 1075	₹ 1065	₹ 9	₹ 0

Based on the starting 50,000 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	₹ 50000	₹ 675	₹ 237	₹ 437	₹ 49763
12	₹ 47274	₹ 675	₹ 261	₹ 414	₹ 47013
24	₹ 43986	₹ 675	₹ 290	₹ 385	₹ 43697
36	₹ 40336	₹ 675	₹ 322	₹ 353	₹ 40015
48	₹ 36284	₹ 675	₹ 357	₹ 317	₹ 35927
60	₹ 31786	₹ 675	₹ 397	₹ 278	₹ 31389
72	₹ 26791	₹ 675	₹ 440	₹ 234	₹ 26351
84	₹ 21246	₹ 675	₹ 489	₹ 186	₹ 20758
96	₹ 15091	₹ 675	₹ 543	₹ 132	₹ 14548
108	₹ 8256	₹ 675	₹ 602	₹ 72	₹ 7654
120	₹ 669	₹ 675	₹ 669	₹ 6	₹ 0

Compare 50000 Lakh Personal Loan From Other Banks & NBFC

It is always prudent to compare before applying for a personal loan. The table below elucidates a comparison of 50000 HDFC personal loans with other reputed banks and NBFCs.

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%

50000 HDFC Home Loan – Fees and Charges

50000 personal loan from HDFC is a lot more than just availing it. Keep in mind to view the following charges and fees which might give you an insight into budgeting your loan precariously.

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

50000 HDFC Home Loan – Documents Required

I hope you are well aware as a responsible customer, of all the essential 50000 personal loan documents for HDFC Bank needed for the smooth loan procurement process. To give you a brief overview, all you need is your identity proof, address proof, income proof as your ITR or your 3-month salary stub, and last but not least your appointment letter as proof of your employment.

50000 HDFC Home Loan – Eligibility Criteria

Here are the prerequisites one should consider before availing of a 50000 personal loan from 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