Have you applied for an HDFC Personal Loan, but aren’t sure whether your loan application has been approved or not? If you don’t know how to check the status of your HDFC Personal Loan, you have come to the right place. In this article, we will guide you on how to check your HDFC Personal Loan status through both online and offline channels.
What information is required to check the status of an HDFC Personal Loan?
Checking the application status of an HDFC Bank Personal Loan Status is extremely easy. You will need the following details to do so:
- Applicant’s Name
- Reference Number
- Mobile Number
- Date of Birth
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Check HDFC Personal Loan Status Online
Via the HDFC Loan Application Tracker
You can use the HDFC online tracker to check the status of your personal loan application. To check your status using this tool, please follow the steps outlined below:
- First, visit the official HDFC Bank website and click on the ‘Personal Loan’ tab.
- Now, navigate to the ‘Manage Your Loan’ section and click on ‘Track Your Application’.
- The HDFC Personal Loan Tracker will open in a new tab; enter your name and the Reference/Proposal Number.
- Next, enter your Date of Birth and Mobile Number.
- Submit all the details.
- By following these steps, applicants can independently check the status of their HDFC personal loan application.
Via Mobile Number
You can also check the your HDFC Personal Loan status using your mobile number. Please note that the mobile number used to check the status must be the same one you provided to the bank during the application process. The step-by-step procedure for checking your status is as follows:
Visit the official HDFC Bank website and click on the ‘Personal Loan’ tab.
Navigate to the ‘Manage Your Loan’ section and click on ‘Resume Your Application’.
A new tab will open for HDFC Personal Loan tracking. Enter the mobile number you provided in your loan application and click ‘Proceed’.
How to Check HDFC Personal Loan Status Offline?
You can check your HDFC Personal Loan status offline by making a phone call or by visiting your nearest branch.
Call HDFC Bank Customer Care
HDFC Bank Personal Loan customers can check their loan status by calling 1800 1600 / 1800 2600 between 8:00 AM and 8:00 PM. HDFC Bank Customer Care can be contacted on any day of the week (including Saturdays and Sundays).
Visit Your Nearest Branch
You can also check the status of your Personal Loan by visiting your nearest HDFC Bank branch. Please ensure that you have your Loan Reference Number handy to inquire about your loan status.
What are the factors that influence an HDFC Personal Loan application?
There are several factors that can influence your HDFC Personal Loan application:
Location: Based on your place of residence, banks determine the minimum salary requirement for availing a personal loan—a factor that plays a significant role in the HDFC Personal Loan application process. For instance, in metropolitan cities like Delhi, Mumbai, etc., the minimum salary required for a personal loan is higher compared to other regions.
Income: The higher your income, the greater the loan amount for which you become eligible. This is because a higher income indicates that the applicant possesses a greater capacity to repay the loan.
Existing Loans/Advances: Your existing debt plays a crucial role in determining the interest rates and the loan amount for your HDFC Personal Loan. Many banks specifically evaluate the EMI-to-NMI (Net Monthly Income) ratio when approving a personal loan application.
Credit History: Your credit score is calculated based on your credit history. Your credit score is a pivotal factor in determining the interest rates, loan amount, and tenure for an HDFC Personal Loan. Any discrepancy in your credit history could lead to the rejection of your HDFC Personal Loan application. Currently, the bank has set a minimum credit score of 650 as a criterion for determining eligibility for an HDFC Personal Loan.
Employment: According to HDFC Bank, employees of Private Limited companies, as well as those working in the public sector—such as employees of central, state, and local government bodies—are eligible for an HDFC Personal Loan.
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FAQs
How long does the HDFC loan application process take?
Answer: Personal loans are typically approved within 4 hours of submitting the loan application and the necessary documents.
How can I check the status of my HDFC Bank Personal Loan using my mobile number?
Answer: You can check the status of your HDFC Bank Personal Loan application by calling 1800 1600 or 1800 2600.
How do I contact HDFC Personal Loan Customer Care?
HDFC Personal Loan Customer Care can be contacted at 1800 202 6161 or 1860 267 6161, any day of the week, between 8:00 AM and 8:00 PM. Additionally, please note that you must prefix the STD code of your respective city before calling these numbers.
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