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HDB Personal Loan Documents Required

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Updated: 15-04-2022 13:47:24 PM

If you are a salaried individual, self-employed professional or a self- employed individual, you can apply for HDB Financial Services Personal Loan for upto Rs. 20 lakh. The minimum and hassle-free documentation process and quick and speedy processing allow an individual to avail funds instantly. The tenure to repay the personal loan varies from 12 to 60 months.

HDB Financial Services Personal Loan Documents Required

For Salaried Individuals:

  • Proof of Identity: Voter ID Card/Passport/License/PAN Card/Aadhar Card
  • Proof of Address: Driving License/Ration Card/Voter ID/Utility Bill (maximum 3 months old)
  • Proof of Date of Birth: PAN Card/Driving License/Birth Certificate
  • Bank statements: 6 months bank passbook, latest 3 months bank statements
  • Latest 3 Months Salary Slip along with latest Form 16 / ITR / Appointment Letter

Also Read About: What is Personal Loan Eligibility Criteria for a Salaried Person?

For Self-Employed Professionals:

  • Proof of Identity: Voter ID Card/Passport/License/PAN Card/Aadhar Card
  • Proof of Address: Driving License/Ration Card/Voter ID/Utility Bill (maximum 3 months old)
  • Proof of Date of Birth: PAN Card/Driving License/Birth Certificate
  • Bank statements: 6 months bank passbook, latest 3 months bank statements
  • Latest ITR along with computation of income, B/S & P&L a/c for the last 2 years certified by a CA

Also Know: What is the tenure of personal loan for self employed professionals?

For Self- Employed Individuals:

  • Proof of Identity: Voter ID Card/Passport/License/PAN Card/Aadhar Card
  • Proof of Address: Driving License/Ration Card/Voter ID/Utility Bill (maximum 3 months old)
  • Proof of Date of Birth: PAN Card/Driving License/Birth Certificate
  • Bank statements: 6 months bank passbook, latest 3 months bank statements
  • Latest ITR along with computation of income, B/S & P&L a/c for the last 2 years certified by a CA
  • Proof of continuation: Trade license /Establishment /Sales Tax certificate
  • Other Mandatory Documents (Sole Prop. Decl. Or Cert. Copy of Partnership Deed, Cert. Copy of MOA, AOA & Board resolution)

For Self-Employed (Pvt Cos and Partnership Firms):

  • Proof of Identity: Voter ID Card/Passport/License/PAN Card/Aadhar Card
  • Proof of Address: Driving License/Ration Card/Voter ID/Utility Bill (maximum 3 months old)
  • Proof of Date of Birth: PAN Card/Driving License/Birth Certificate
  • Bank statements: 6 months bank passbook, latest 3 months bank statements
  • Latest ITR along with computation of income, B/S & P&L a/c for the last 2 years certified by a CA
  • Proof of continuation: Trade license /Establishment /Sales Tax certificate/ SSI Registration
  • Other Mandatory Documents (Sole Prop. Decl. Or Cert. Copy of Partnership Deed, Certified true copy of Memorandum & Articles of Association (Certified by Director) & Board resolution (Original)

Eligibility Criteria

  • Salaried individuals (including CAs, doctors, employees of selected public and private limited companies, government sector employees including public sector undertaking)
  1. The person must be 21-60 years old (65 for government employees)
  2. The applicant must have a monthly income of Rs. 20,000 and above for Bangalore, Chennai, Delhi, Hyderabad, Kolkata, Mumbai and Pune. Besides, it is Rs. 15,000 everywhere else.
  3. He must have a total of 1 or more years of working experience.
  • Self-employed professionals (self-employed Chartered Accountants, Doctors,  Architects and Company Secretaries)
  1. The person must be 22-65 years old
  2. He must have 3 years minimum experience in the business
  3. The applicant must have Rs. 1,00,000 as annual income in Bangalore, Chennai, Delhi, Hyderabad, Kolkata, Mumbai and Pune. Apart from this, Rs. 75,000 at other places.
  • Self-employed individuals (Partners & Directors in the Business of Manufacturing, Sole proprietors, , Trading or Services)
  1. He should be 22-65 years old
  2. A minimum of 4 years in business with 2 years in the current business is required
  3. The person must have Rs. 1,00,000 as annual income in Bangalore, Chennai, Delhi, Hyderabad, Kolkata, Mumbai and Pune, and 75,000 everywhere else
  • Self-employed in private companies and partnership firms (Private Companies and Partnership firms in the Business of Manufacturing, Trading or Services)
  1. He should be 22-65 years old
  2. A minimum of 4 years in business with 2 years in the current business is required
  3. The person must have Rs. 1,00,000 as annual income in Bangalore, Chennai, Delhi, Hyderabad, Kolkata, Mumbai and Pune, and 75,000 everywhere else
  4. He must have a business making a profit for the previous 2 years

FAQs

Q. How do I contact the customer care of HDB Financial Services?

Ans. You can call on +91 44 4298 4541 (10.00 am to 6:00 pm, Monday-Friday, excluding national holidays & Regional holidays). You can also fill the complaint form here.

Q. I want to apply for HDB Financial Services Personal Loan offline. How do I do it?

Ans. You can apply for the personal loan by visiting the nearest branch of the bank.

Q. What is the processing fee of HDB Financial Services Personal Loan?

Ans. The processing fee is 2% of the loan amount.

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