Access HDFC's user-friendly calculator to estimate your personal loan eligibility in minutes. Know loan amount, EMI & more! Apply online now. Dreaming of that big purchase or simply need a financial boost? HDFC personal loans might be the answer! But before diving in, understanding your eligibility is crucial. Personal loan eligibility is determined by various factors, and financial institutions assess these factors to evaluate the borrower’s creditworthiness and ability to repay the loan. A good credit score increases the chances of loan approval. Lenders often prefer borrowers with a good credit score of above 750. Your income plays a big role in determining your loan eligibility. A higher income usually results in a higher loan eligibility. Lenders assess your debt-to-income ratio to make sure you have sufficient amount for repayment. Salaried individuals and self-employed individuals have different eligibility criteria. Lenders may prefer borrowers with stable employment or business continuity. Usually salaried employees have it easier compared to self-employed people.