Did You Know You Can Get a Top-Up Personal Loan Online in 10 Seconds?

20 August, 2025
​​​​​​​

Synopsis 

• HDFC Bank offers a 10-second Top-Up Personal Loan with instant approval and a fully digital process.
• No paperwork or branch visits required; customers get quick loan disbursal with seamless income verification.
• Trusted by millions, this loan provides transparent terms and easy access to funds during cash crunches.

​​​​​​​

Yes, you read that right. With HDFC Bank Xpress Personal Loans, you can get funds in your account in just 10 seconds: no documents, no long forms and no waiting. Whether you’re an existing HDFC Bank customer or even banking elsewhere, the process is 100% digital and incredibly quick. 

How the 10-Second Loan Works 

All it takes is a few quick steps: 

Step 1: Verify Your Mobile Number 

Start with your registered mobile number. This helps us instantly check your eligibility. 

Step 2: Select Your Salary Account 

If your salary account is with HDFC Bank, the process is even faster. If it’s with another bank, the bank will verify your income seamlessly via the account aggregator framework. 

Step 3: Confirm Personal Details 

Your name, PAN and other details are prefilled from our database so you just need to review and confirm. 

Step 4: Enter Employer Details 

Provide your company name, monthly net income and any ongoing EMIs.  

Step 5: Get Your Loan Offer 

Instantly see the amount you’re eligible for and the repayment terms. 
​​​​​​​

Step 6: Complete Aadhaar-based eKYC 

No physical paperwork. No visits to the branch. The authentication is fully digital. 

And that’s it. Your loan is approved and disbursed in seconds. 

Why Choose HDFC Bank Top Up Personal Loan? 
​​​​​​​

• Instant Approval: Instant disbursal in just 10 seconds is available for pre-approved customers. 

• No Documentation Hassles: All verification happens in the backend, no need to upload or submit anything. 

• 100% Digital: Apply from anywhere and anytime, without visiting a branch. 

• Trusted by Millions: You get transparent loan terms with no hidden surprises. You can join a network of satisfied customers who’ve experienced our quick, secure, and transparent loan process. 
  
  ​​​​​​​
  

During a cash crunch, time is of the essence. With HDFC Bank Top Up Personal Loans, you can get access to funds in as little as 10 seconds and without the hassle of paperwork or branch visits. So, when you need money fast, you know where to turn. 

Ready to get started? Your 10-second Xpress Personal Loan is just a click away. 

Know how you can get the best Personal Loan offer here. 

*Disclaimer: Terms and conditions apply. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. Personal Loan at the sole discretion of HDFC Bank Limited.  Loan disbursal is subject to documentation and verification as per Bank's requirement. Interest rates are subject to change. Please check with your RM or closest bank branch for current interest rates.