HDFC Bank Personal Loan EMI Calculator

The short answer

• A ₹5 lakh loan over 5 years at 9.99% costs ₹10,621 a month, with ₹1.37 lakh of total interest.
• At the 24.00% maximum, the same loan costs ₹14,384 a month and ₹3.63 lakh in interest.
• The processing fee is taken out before you get the money, so you receive about ₹4,92,330 on a ₹5 lakh loan.
• Going from 2 years to 6 cuts the EMI by ₹13,810 but costs ₹1.13 lakh more in interest.

HDFC Bank personal loan EMI, ₹5 lakh over 5 years

as of 26 August 2026 · Computed from HDFC Bank’s published range, principal and interest only

EMI on ₹5 lakh, by rate and tenure

The three rates are the advertised starting rate, the middle of the range, and the published maximum.

as of 26 August 2026 · Computed from the published range

What tenure costs at the advertised 9.99%

On ₹5 lakh. Stretching a personal loan hurts more than stretching a home loan, because the rate is higher.

Six years is ₹13,810 a month less than two years, and ₹1,13,065 more in interest. as of 26 August 2026 · Worked out from the advertised rate

To try a different amount, rate or tenure, use the EMI calculator.

The fee comes out before you get the money

HDFC Bank charges up to ₹6,500 plus GST to process a personal loan — ₹7,670 at the cap. It is taken out of the amount paid to you, not billed separately.

So on a ₹5 lakh loan you receive about ₹4,92,330, and you pay interest on the full ₹5 lakh for the whole term.

With a capped fee that barely matters. It matters much more elsewhere, because most lenders charge a percentage instead: up to 2% at ICICI Bank and Axis Bank, 4.13% at Bajaj Finserv, and 5% at Tata Capital and Kotak Mahindra Bank. At 5% on ₹5 lakh the fee is ₹29,500 with GST. You would get ₹4,70,500 and still pay interest on ₹5 lakh.

Every EMI figure on this page covers the loan and interest only. Add the fee separately — the HDFC Bank personal loan fees and charges page lists what the bank publishes. Also check whether insurance is being added into your loan: if it is, you pay interest on the premium for the full term.

Keep the tenure short

On ₹5 lakh at 9.99%, going from 2 years to 6 years cuts the EMI from ₹23,070 to ₹9,260. That is ₹13,810 less a month.

It also raises your total interest from ₹53,684 to ₹1,66,749. You pay ₹1,13,065 more for the smaller instalment.

That trade is worse here than on a home loan, simply because the rate is higher. Interest builds against you at 9.99% at best and up to 24.00% at worst, compared with 7.75% on a home loan. Stretching an unsecured loan to lower the EMI is one of the more expensive habits in Indian borrowing.

Pick the shortest tenure whose EMI you can manage comfortably, not the longest the bank will approve. The bank checks the EMI against your income, so a longer tenure makes a bigger loan possible. That serves the approval, not you.

How it compares

At 9.99% this is the joint lowest advertised rate of the 8 providers we track for this product, level with Axis Bank, ICICI Bank and IDFC First Bank. The full table is on personal loan interest rates, and the rest of the product is covered on the HDFC Bank personal loan page.