How to Pay HDFC Bank Personal Loan EMIs

Overview

HDFC provides you variant options to pay your personal loan EMI payment.

HDFC provides you variant options to pay your personal loan EMI payment. You have offline methods as well as online methods also. Online methods are very convenient as you don't have to take a burden to go to bank. Sitting home you can pay your EMI.

Part 1: Check the EMI amount of HDFC Bank Personal Loan


Firstly, it is very important to check the personal loan EMI amount. As sometimes you have paid the minimum amount of EMI to avoid late fee charges. If you don't pay your EMI till the due date you can be charged late fee for that. This can also affect your credit score. So check the amount of your EMI.

Step 1: Log in to your HDFC account

Log in to your HDFC account online with your user id and password. Now go on the top of page you will se loan options click on that and you will be able to check your monthly EMI. You can also check your email, as HDFC bank always sends an email of your personal loan EMI statement. You can see the amount due and the last date when to make the payment. You can also call on the customer care number of HDFC bank to know about your personal loan EMI amount.

Step 2: Do check outstanding amount and due date

You should always check the outstanding amount and the due date as if you get late to make payment you will be charged late payment fine.

Part 2: Pay Your HDFC Bank Personal Loan EMI


HDFC provides you many ways to do your payment for personal loan EMI.

Method 1: By Cash


You can pay your personal loan EMI by cash.

Step 1: Visit the nearest branch

Visit the nearest branch of HDFC bank in your location and fill cash slip.

Step 2: Fill the cash slip

Fill the cash slip provided by the bank in the branch. You can go to the help desk representative if you aren't able to fill.

    List the amount of money you want to deposit. Most slips have separate lines for cash and checks.
  • Write your personal loan account number
  • Write your mobile number
  • Sign the deposit slip

Step 3: Submit the slip

Take the slip and the money you want to deposit to the teller of HDFC bank.

Step 4: Take receipt

As you will submit the cash you will get a receipt of the cash deposited by you in HDFC bank.

Method 2: By Cheque


You can pay your personal loan EMI through cheque also.

Step 1: Draw a cheque

You will have to draw a cheque with your personal loan account number.

Step 2: Deposit the check

You can deposit the cheque in the nearest HDFC branch drop box provided by the bank.

Method 3: Through Online Services


HDFC bank provides you online method to pay your personal loan EMI, you don't have to go to bank and stand in the queue for that. Sitting home you can make your payment.

Step 1: Login to HDFC online account

Log in to your HDFC net banking online account with your user id and password.

Step 2: Choose personal loan

Go on the loan option and choose personal loan option as you have to pay personal loan EMI.

Step 3: Choose make payment

Choose payment option and make your personal loan payment.

Method 4: Through NEFT


NEFT(national electronic funds transfer) through this you can transfer funds from one bank to anywhere within few hours or sometimes it can take upto one day. NEFT is also a facility provided by HDFC bank to make payments.

Step 1: Log in to bank account

Go to other bank's online service and log in to the online account with user id and password.

Step 2: Go to Funds Transfer tab

Now click on "funds transfer" tab and choose "NEFT" option.

Step 3: Click on NEFT tab

Click on the "NEFT" tab option appearing on your screen as you have to make payment through NEFT.

Step 4: Add beneficiary

Now you have click on to "add beneficiary" option as to make credit card payment.

    How to add beneficiary?
  • Select Beneficiary Type(Transfer to other bank).
  • Enter the beneficiary account details.
  • Enter the Beneficiary's IFSC, using the bank and branch name (IFSC HDFC0000003).
  • Click "Add" then "Confirm".

Step 5: Add details

Add details of the beneficiary like name of the beneficiary, name of the bank branch where the beneficiary has an account, IFSC code of the beneficiary bank branch, account type and account number.

Step 6: Make payment

Now you can make payment and your payment is shown immediately with a reference number.

Method 5: Through RTGS


You can pay your Personal loan EMI through RTGS also.

Step 1: Log in to bank account

Go to other bank's online service and log in to the online account with user id and password.

Step 2: Go to Funds Transfer tab

As you log in to your account you will see "funds transfer" tab click on the "tab".

Step 3: Click on RTGS

Now you will see option of "RTGS" you need to click on that.

Step 4: Add beneficiary

Now you need to add beneficiary.

Step 5: Enter details

Enter the details of the beneficiary and check the details if, correct or not.

Step 6: Accept term and conditions

Now you will have a option od agree to term and conditions read the page and click on agree.

Step 7: Make payment

Now you can make the payment and your payment will be done instantly.

Method 6: Through Visa Card Pay


You can make your payment through Visa Card Pay. this service is easy to use and you can use it sitting at your home. VISA money transfer facility is usually done within 24-48 hours of the transfer (or as little as 30 minutes for transfers sent to Fast Funds-enabled Visa cards)

Step 1: Log in to your other bank's net banking service.

Go to the other bank's netbanking website and log in to your account with your user id and password.

Step 2: Go to fund transfer and select VISA Card Pay

Click on the option of "funds transfer" and select "visa card pay" option.

Step 3: Enter details

Enter the transfer details of the sender and the recipient.

Step 4: Confirm transaction

Now you check the details and if correct then confirm the transaction.

Method 7: Through IMPS


You can transfer funds through IMPS also. Immediate Payment Service is an instant payment inter-bank electronic funds transfer system, IMPS offers an inter-bank electronic fund transfer service. IMPS service is available throughout the year including bank holidays and it takes only 30 minutes to transfer money.

Step 1: Log in to your other bank's net banking service.

Go to the other bank's netbanking website and log in to your account with your user id and password.

Step 2: Go to Funds Transfer tab

Now click on "funds transfer" tab and choose "IMPS".

Step 3: Add IMPS payee

Now from the drop down menu you have to choose the option of "add IMPS" payee.

Step 4: Confirm beneficiary

After this add the payee and click on "confirm payee" and payee will be added.

Step 5: Fill details

Now fill the details like transaction amount, account number etc.. to make the payment.

Step 6: Confirm detail

Now, click on "Confirm" details and after that click "proceed"and your payment will be done.

Method 8: Through BHIM/UPI


You can pay your personal loan EMI through BHIM/UPI also. You can pay your EMI using BHIM / UPI ID from your Mobile phone.

Step 1: Log in HDFC mobile app.

Log in to the HDFC bank mobile banking app with your customer id and password.

Step 2: Click BHIM/UPI

Go to my account tab and choose BHIM/UPI and click on pay.

Step 3: Select tpay via BHIM/UPI

Now select the option of tpay via BHIM/UPI id of the beneficiary.

Step 4: Enter amount

Enter the outstanding amount of your personal loan EMI.

Step 5: Click pay

Now you have to click on pay option to send the amount.

Method 9: By Bill Desk


You can also make your credit card bill payment by bill desk. At BillDesk you can pay your bills and make other payments online in a secure and convenient manner.

Step 1: Visit the online portal of bill desk.

To make your personapayment at billdesk you have to go on the online portal. You can click here to go on the page.

Step 2: Enter details

Now you need to enter the required details like your loan number and your date of birth.

Step 3: Click on proceed

Now, click on proceed option.

Step 4: Enter amount

Enter the amount and your transaction will be done.