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HDFC Bank Education Loan

HDFC Bank | Education Loan

एचडीएफसी बैंक लिमिटेड एक भारतीय बैंकिंग और वित्तीय सेवा कंपनी है जिसका मुख्यालय मुंबई, महाराष्ट्र में है। इसके पास 30 जून 2019 तक 104154 स्थायी कर्मचारियों का आधार है। एचडीएफसी बैंक संपत्ति द्वारा भारत का सबसे बड़ा निजी क्षेत्र का ऋणदाता है। मार्च 2020 तक बाजार पूंजीकरण के हिसाब से यह भारत का सबसे बड़ा बैंक है।

You get tax benefits under section 80(E) of the Income Tax Act 1961

Annual Percentage Rate (APR): 12.13%

Minimum & Maximum period for repayment (Loan Tenure): 15 years

Loan processing charges: Maximum upto 1% of the loan amount

Late Payment: upto 4% of the Outstanding Balance prepaid

Foreclosure Charges: 24% per annum on outstanding amount from the default date onwards

Partpayment Charges: N/A

Maximum Loan Amount: upto 10 lakh

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HDFC Bank Profile

Sector : Finance
Industry : Regional Banks

एचडीएफसी बैंक लिमिटेड (बैंक) एक होल्डिंग कंपनी है। बैंक खुदरा क्षेत्र में वाणिज्यिक और निवेश बैंकिंग को कवर करने और खुदरा पक्ष पर लेन-देन / शाखा बैंकिंग को कवर करने वाली कई बैंकिंग सेवाएं प्रदान करता है। यह वित्तीय सेवाएँ भी प्रदान करता है। बैंक के खंडों में ट्रेजरी, खुदरा बैंकिंग, थोक बैंकिंग और अन्य बैंकिंग व्यवसाय शामिल हैं। ट्रेजरी सेगमेंट में मुख्य रूप से बैंक के निवेश पोर्टफोलियो, मुद्रा बाजार उधार और उधार, निवेश संचालन पर लाभ या हानि और विदेशी मुद्रा और व्युत्पन्न अनुबंधों में ट्रेडिंग के कारण शुद्ध ब्याज आय होती है। खुदरा बैंकिंग खंड एक शाखा नेटवर्क और अन्य वितरण चैनलों के साथ-साथ वैकल्पिक वितरण चैनलों के माध्यम से खुदरा ग्राहकों को सेवा प्रदान करता है। बैंक अपने कॉर्पोरेट और संस्थागत ग्राहकों को वाणिज्यिक और लेन-देन बैंकिंग उत्पादों की एक श्रृंखला प्रदान करता है। अन्य बैंकिंग व्यवसाय खंड में पैरा बैंकिंग गतिविधियों से आय शामिल है।

EMI Calculator

Loan EMI

\u20b9 1,24,797

Total Interest Payable

\u20b9 34,90,279

Total of Payments
(Principal + Interest)

\u20b9 59,90,279

Personal Loan
What is Personal Loan?

A Personal Loan is a form of unsecured loan availed by individuals on the basis of specific criteria, such as level of income, employment history, credit score, and scope for repayment.

The loan is usually taken for the fulfillment of personal needs from a banking institution or a non-banking financial company (NBFC). Borrowers can use online tools available at neutral financial websites, such as the Personal Loan EMI Calculator, to assess the interest payout throughout the tenure before applying for a personal loan.

HDFC Bank Loan Interest Rates

HDFC Bank ROI Max Loan Amount Tenure Processing Fee Late Payment Foreclosure Charges Partpayment Charges
Home Loan 8.80% Depend on Applicant Profile 30 years 0.5% of loan amount or Rs 3,000 whichever is higher, plus applicable taxes Nil upto 24% annually Nil
Car Loan 8.25% - 14.26% (Avg 9.40%) Valuation of car upto 7 years Rs. 10,000 or 0.4% of car loan sanctioned 3% to 6% depending on loan tenure 2% each month 5% on the part payment amount in case part prepayment is within 13-24 months from 1st EMI
Personal Loan 11.25 % - 18 % 50 lakh 60 months upto 2.5 % Allowed after 12 EMI's, 2 - 4% 2% per month on EMI/Principal Overdue Allowed after 12 EMI's, 2-4%
Education Loan 12.13% upto 10 lakh 15 years Maximum upto 1% of the loan amount upto 4% of the Outstanding Balance prepaid 24% per annum on outstanding amount from the default date onwards N/A
Business Loan 15.65% Max upto Rs. 50 Lakhs 12 months to 48 months upto 2.50% of loan amount No pre-payment permitted until repayment of 6 EMIs 2% per month on EMI Not Allowed
Please Note*: The figures provided in the table above are indicative only and are subject to change from time to time.

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