Hdfc bank is a centrally located bank but its charges are too much on the customers .the personal loan processing FEE is acctually higher than the oher banks.The enquiry process is really too bad.The person who is coming to home for enquiry charges some amount for positive confirmation.The loan sanctionaries also not doing their work properly because I applied three times for personal loans but they not sanctioned even then they said false information about my bank transictions.personally I am not satisfied with hdfc personal loan process.