I have an erratic history of service and business and then back to service. In addition I have two PAN cards with different numbers issued to me at the time when I applied for one. But I have used only one card till date. Moreover, I don’t have any credit history. Will these details negatively impact approval of personal loan from HFFC to me?
Holding two PAN cards is a punishable offence. Surrender it on as soon as possible basis. Personal loan approval depends on HDFC’s criteria, your income level, amount of existing liabilities, CIBIL score along with other parameters.