HDFC Insta Jumbo Loan is a pre-approved loan available to HDFC Credit Card customers. In other words, it is a credit limit set for the cardholder that is higher than their current credit limit. This money is deposited into their HDFC savings account in one lump sum.

This loan is processed without any documentation or verification as it is pre-approved. Applicants can conveniently apply online and upon approval, the amount is instantly disbursed into their savings account. 

They can use it for anything they want and pay it back in equal monthly instalments. The best thing about this loan is that you can use your current credit limit by using this Jumbo Loan amount, which means you can use your Credit Card and the Insta Jumbo Loan amount at the same time. The application and disbursement processes are also very straightforward.

Here are some basic differences between HDFC Insta Jumbo Loan and a simple personal loan: 


HDFC Insta Jumbo Loan

Normal Personal Loan

Interest Rate

Start at 15%

Start at 10.75%

Repayment Tenure

Up to 5 years

Up to 5 years

Application Process

Instant disbursal, may take up to a few hours

It May take up to 7 business days for approval and disbursal

Loan Amount

Low, since it is a pre-approved offer

Can get loans of up to Rs. 50 lakhs, based on your need


Nil; based on your existing account details with HDFC Bank

Requires a list of documents for eligibility check

Other charges

Charges GST on the EMI amount

Fixed EMI amount, with no additional charges


Verdict: You should opt for the HDFC Insta Jumbo Loan if you are in urgent need of cash. Otherwise, a normal personal loan is the best option.