Personal loans are unsecured loans, which means you do not have to mortgage collateral such as your home or stocks in order to obtain the loan. One of the most significant benefits of Personal Loans is that you can use the money for whatever you want – a wedding, a vacation, a gadget, a business investment, home renovation, and so on. A home loan or a car loan must be used for the purpose for which they were obtained. You can repay your Personal Loan in easy installments, known as EMIs. Payment terms are typically flexible, and you can select a tenure that allows you to optimize your monthly outlay based on your needs. HDFC Bank has loan terms ranging from 12 to 60 months, with EMIs starting at Rs 2,162 per lac. You should consult your Personal Loan EMI calculator.
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