निजी क्षेत्र का बैंक (Private Bank)वेतनभोगी कर्मचारी (Salaried)स्वीकृति गति: Within 24 hours with dedicated RM handling.सत्यापित: 2026-09-28 (180-दिवसीय SLA)

एचडीएफसी बैंक गोल्डन एज पर्सनल लोन

Exclusive large-ticket personal loan up to ₹50 Lakhs for high-income corporate executives.

ऋण राशि सीमा₹10,00,000 to ₹50,00,000 (Premium High-Net-Worth Salaried)

ब्याज दर (APR)10.25% - 13.50% p.a. (preferential HNI pricing)

पुनर्भुगतान अवधि12 to 72 months

प्रोसेसिंग शुल्कFlat ₹4,999 to 1.00% + GST (concessional HNI fee)

💳उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)

उत्पाद का संक्षिप्त विवरण

Premium bespoke unsecured credit line for senior executives, corporate leaders, doctors, and high-income salaried individuals drawing a net monthly salary of ₹1 Lakh or higher.

प्रमुख लाभ एवं विशेषताएं

• Higher loan quantum up to ₹50 Lakhs without pledging assets • Dedicated Relationship Manager for doorstep white-glove service • Concessional interest rate slab starting from 10.25% p.a. • Capped processing fee for large-ticket borrowings.

📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)

पात्रता की शर्तें एवं आय आवश्यकताएं

Senior salaried executives in Tier-1 corporate firms, MNCs, and premier institutions. Min Age: 25, Max Age: 60. Min Net Monthly Salary: ₹1,00,000. Min CIBIL: 750.

प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment & Foreclosure)

12 months lock-in period; 2% foreclosure charges after 12 months.

📂आवश्यक दस्तावेज (Required Documents)

• Identity & Address Proof: PAN, Aadhaar, Passport • Income Proof: Last 3 months detailed payslips, Form 16 (Part A & B) • Banking: Last 6 months bank statement with salary credits.

⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Hidden Costs)

• Strict income barrier: Minimum net take-home salary must exceed ₹1,00,000 per month. • 12-month lock-in before any part-payment or foreclosure is allowed. • Requires top-tier corporate employer categorization (Super Cat A / Diamond).

🚀आवेदन के चरण (How to Apply)

1. मौजूदा बैंक ग्राहक:

1. Connect with dedicated HDFC Imperia / Preferred Relationship Manager. 2. Digital customized term-sheet issued in NetBanking. 3. Single OTP approval.

2. नए ग्राहक (ऑनलाइन):

1. Visit hdfcbank.com/golden-edge. Submit executive credentials and salary details. 2. Priority desk contacts for concierge onboarding.

3. बैंक शाखा में जाकर:

1. Visit HDFC Bank Wealth Management branch. 2. Submit 3 months salary slips, Form 16, and bank statements.

आधिकारिक बैंक पोर्टल पर जाएं आधिकारिक KFS दस्तावेज देखें↗

❓अक्सर पूछे जाने वाले प्रश्न (FAQs)

What is the minimum salary requirement?

A minimum net take-home monthly salary of ₹1,00,000 is required.

Can I borrow up to ₹50 Lakhs without collateral?

Yes, Golden Edge is completely collateral-free based on verified high income and top-tier credit score.

What is the foreclosure fee?

2% plus GST after the initial 12-month lock-in period.