HDFC Bank Insta Loan on Credit Card vs Poonawalla Fincorp Compared
Which loan suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero.
| Feature |  HDFC Bank Insta Loan on Credit CardHDFC Bank |  Poonawalla Fincorp | |
|---|---|---|---|
| Loan identity | |||
| Loan typesame | Personal | Personal | |
| Rate type | Fixed | - | |
| Interest and amount | |||
| Interest rate from | 10.88% | 9.99% | |
| Minimum amount | - | ₹1,00,000 | |
| Maximum amount | ₹15,00,000 | ₹50,00,000 | |
| Minimum tenure | 3 months | 1 year | |
| Maximum tenure | 5 years | 7 years | |
| Fees and charges | |||
| Processing fee | Up to Rs 1,999 + GST (flat) | Up to 4% + taxes | |
| Prepayment charges | Pre-closure 3% of outstanding principal + GST | Nil from own funds; 4% if repaid from another loan | |
| Late payment charges | - | 24% a year on the overdue EMI; bounce Rs 500 | |
| Eligibility | |||
| Min monthly salary | - | ₹25,000 | |
| Min age | - | 21 years | |
| Max age at maturity | - | 60 years | |
| Employment type | - | Salaried | |
| Min credit score | - | 720 | |
| Page content | |||
| Eligibility | Select HDFC Bank credit card holders only (the offer is pre-approved by the bank). The loan must fit within the available credit limit on the card; the loan amount is blocked on that limit and the cash limit becomes zero. | Indian, age 21 to 60, working full time at a government body, PSU, MNC or private or public limited company, earning at least Rs 25,000 a month. | |
| Documents needed | None. You need your registered mobile number and the last 4 digits of your HDFC Bank credit card. | KYC and address proof, salary slips for the last 3 months, bank statement for the last 3 months, and office email or ID card. | |
| Apply | Apply Now | Apply Now | |
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