HDFC Bank personal loan interest rates for July 2025 range from 10.90% to 24% p.a., with flexible tenure, eligibility based on credit score, income, and minimal documentation.

Personal loans help with unplanned expenses and debt. These are unsecured loans, so no collateral is needed. Interest rates depend on factors like CIBIL score. Many banks have reduced lending rates after the Reserve Bank of India rate cut.

Mortgage rates are up, but still under 7%. Today’s national average on a 30-year fixed-rate mortgage is 6.85%, according to Bankrate. If you choose a 15-year fixed-rate mortgage, the average rate is 6.