How to Pay HDFC Personal Loan EMI through UPI

HDFC Bank is one of India’s leading private sector banks, offering a variety of loan products, including personal loans. With the rise of digital payments in India, paying your HDFC Personal Loan EMI through UPI (Unified Payments Interface) has become one of the easiest, fastest, and most secure methods. Whether you use Google Pay, PhonePe, Paytm, BHIM UPI, or any other UPI-enabled app, you can make your loan repayment in just a few taps.

This guide explains the different ways you can pay your HDFC Personal Loan EMI using UPI, ensuring you never miss a due date and avoid late fees.

1. HDFC Bank Loan Payment Portal (Recommended)

HDFC Bank provides an online loan payment portal where customers can pay their EMI using UPI without logging into NetBanking.

Steps to pay their loan through HDFC Portal

1.     Visit the HDFC Loan Payment Page

·       Open your browser and go to HDFC Loan Payment Portal.

2.     Enter Your Loan Details

·       Provide your Loan Account Number and registered mobile number.

3.     Choose UPI as Payment Method

·       Select UPI from the payment options and enter your UPI ID (e.g., yourname@upi).

4.     Approve the Payment on Your UPI App

·       You will get a payment request on your UPI app (Google Pay, PhonePe, Paytm, BHIM, etc.).

·       Open the app and approve the transaction by entering your UPI PIN.

5.     Get Confirmation

·       Once the payment is successful, you’ll receive an SMS or email confirmation from HDFC Bank.

·       The EMI payment will reflect in your loan account within 24 hours.

2. Paying via UPI Apps (Google Pay, PhonePe, Paytm, BHIM)

Almost all UPI apps allow users to pay loan EMIs directly without logging into bank portals.

Steps for pay using UPI Apps

1. Open Your Preferred UPI App (Google Pay, PhonePe, Paytm, BHIM, etc.).
2. Go to ‘Bill Payments’ or ‘Loan Repayment’ Section.
3. Search for ‘HDFC Bank Loan Payment’.
4. Enter Your Loan Account Number and Verify the Details.
5. Choose UPI as the Payment Method and Proceed.
6. Enter Your UPI PIN to Complete the Payment.
7. Receive an SMS or Email Confirmation from HDFC Bank.

This method is quick and hassle-free, and your EMI payment is instantly deducted from your bank account.

3. HDFC NetBanking or Mobile Banking App

If you have an HDFC savings account, you can also pay your EMI through the HDFC Mobile Banking App or HDFC NetBanking.

Steps for using HDFC NetBanking

1. Login to HDFC NetBanking or Mobile Banking App.
2. Go to ‘Loan Accounts’ → ‘Loan Payment’.
3. Choose UPI as the Payment Option.
4. Enter Your UPI ID and Verify Payment.
5. Approve the Transaction on Your UPI App.
6. Receive a Confirmation Message Once Payment is Successful.

This method is useful for those who have an HDFC Bank account linked to their loan.

4. Auto Debit via HDFC SmartPay (UPI AutoPay)

Many Indians prefer automatic EMI payments to avoid missing due dates. HDFC offers SmartPay, which allows users to set up UPI AutoPay for automatic EMI deductions.

Steps to Set Up AutoPay

1. Login to HDFC NetBanking and go to BillPay & Recharge.
2. Select ‘Register for SmartPay’.
3. Enter Your Loan Details and UPI ID.
4. Enable Auto-Debit for Monthly EMI Payments.
5. Confirm and Authenticate Using Your UPI App.
6. Your EMI Will Be Automatically Deducted Every Month on the Due Date.

This method ensures that you never miss an EMI payment, helping you maintain a good credit score.

5. Bharat Bill Payment System (BBPS) via UPI Apps

The Bharat Bill Payment System (BBPS) is a government-backed facility that allows you to repay loans securely using UPI apps.

Steps for using Bharat Bill Payment System (BBPS)

1. Open Google Pay, PhonePe, Paytm, or BHIM App.
2. Go to ‘BBPS’ → ‘Loan Repayment’ Section.
3. Select ‘HDFC Bank Loan’ and Enter Loan Account Number.
4. Choose UPI as the Payment Method.
5. Approve Payment via UPI PIN.
6. Get a Confirmation Notification from HDFC.

This method is reliable and government-regulated, making it a secure way to pay your EMIs.

Things to Keep in Mind before Doing Payments

• Always verify your Loan Account Number before making a payment.
• UPI payments may take up to 24 hours to reflect in your loan account.
• If you miss an EMI payment, HDFC may charge late fees and penalties.
• For AutoPay, ensure your linked UPI account has sufficient balance before the due date.
• Keep a record of payment receipts to track your loan repayments.
• UPI payments are free of charge, but some third-party apps may apply transaction limits.

Conclusion

Paying your HDFC Personal Loan EMI through UPI is an easy, fast, and secure method that eliminates the need for cash payments or long bank queues. With multiple options like HDFC’s Loan Payment Portal, UPI apps, NetBanking, BBPS, and AutoPay, you can choose the method that suits you best.

For best results, consider setting up AutoPay via UPI to avoid missing EMI due dates and ensure a smooth repayment process. Keep your UPI-linked bank account funded, and enjoy the convenience of digital payments.

Pro Tip: If you ever face issues with UPI payments, contact HDFC Bank Customer Care or check the status of your transaction in your UPI app.