Personal Loan Application Steps After Mobile Number Verification

24^th March 2025 
​​​​​​​

Synopsis 

• After verifying your mobile number during your Personal Loan application, the next steps involve verifying your personal details and income.
• If eligible, you may get a loan offer quickly.
• You are also required to complete your KYC online either via Aadhaar-based KYC or by uploading the official valid documents.

In today’s digital age, financial needs can arise at any moment. Luckily, getting a Personal Loan has never been easier or faster. If you’ve already verified your Personal Loan number, you’re just a few steps away from securing a Loan that suits your needs. Let’s walk you through the steps of a Personal Loan application.

Personal Loan Application Steps After Mobile Number Verification

The following are the steps associated with Xpress Personal Loan application:

• Personal Details Submission
  
  The first step in your Personal Loan application process is submitting your basic personal details. This typically includes information such as your full name, date of birth, contact details, address, and employment status. These details form the foundation for your application and help the lender assess your eligibility for the Loan. 
  ​​​​​​​
• Income Details & Verification
  
  After number verification and personal information, you will need to submit your income details. This step ensures that the lender understands your financial standing and determines the Loan amount you’re eligible for. You can easily provide income details by linking your Bank Account using an Account Aggregator, or by logging in directly through your NetBanking credentials. Once verified, the system will automatically assess your income level, helping you get a Loan offer that matches your financial profile.
  
  
• Loan Offer Display
  
  Once your income details have been verified, the next step is to receive tailored Personal Loan offers based on the financial details inputted. Through a seamless, straight-through processing (STP) system, you’ll be able to instantly check your Personal Loan offer which can be further customised to your requirement.
  
  
• Aadhaar E-KYC via OTP
  
  To ensure a smooth and secure process, you’ll have to complete your identity verification through Aadhaar-based e-KYC. This is an essential step in the Loan application process, as it helps verify your identity in real-time, reducing the risk of fraud. By using a simple One-Time Password (OTP) sent to your registered Personal Loan number, you can authenticate your Aadhaar details and complete the KYC process easily. The e-KYC process is fully digital and automated, so it doesn’t require any physical documents or in-person verification. 
  
  
• Xpress Personal Loan Approval
  
  Once all the steps are completed, you will get a Personal Loan approval confirmation. For HDFC Bank’s Xpress Personal Loan, you’ll receive a confirmation of approval right away, ensuring that you can access the funds you need without any unnecessary waiting.
  
  
• Application Summary
  
  ​​​​​​​Once your Personal Loan finance is approved and the documents are summarised, you’ll receive an application summary. This will provide a clear overview of your Loan, including the Loan approval status, amount disbursed, repayment schedule, and other essential details. You’ll also be able to track your Loan status at any time and review all the terms of your agreement in one easy-to-access place. This ensures that everything is in order, so you can proceed with confidence, knowing that your Loan is on its way.

Apply now 

Apply for Xpress Personal Loans for Quick Access to Funds

With these simple steps, you're just minutes away from securing the financial support you need. The process is designed to be fast, secure, and transparent, ensuring you get the best Personal Loans suited to your needs without unnecessary delays. Whether you need funds for an emergency, a planned expense, or anything in between, you can rely on HDFC Bank’s Xpress Personal Loan to get quick access to funds. 

Apply for an HDFC Bank Xpress Personal Loan today and experience a smooth, entirely digital process with quick approvals and flexible repayment terms.

Apply for Xpress Personal Loan  

*Disclaimer: Terms and conditions apply. The information provided in this article is generic in nature and for informational purposes only. Loan disbursement is at the sole discretion of HDFC Bank Limited and is subject to verification and documentation as per the bank’s requirements. Interest rates and offers may vary. Please check the official website for the changes/updates in the application procedure and other details.