Yes, it is possible to
transfer your personal loan from HDFC Bank to Standard Chartered Bank after
completing 12 EMIs. However, there will be some charges involved. Both banks
charge a fee, with HDFC Bank having a pre-closing charge of 2-4% of the
principal outstanding and Standard Chartered Bank having a processing fee of 3%
of the loan amount. To successfully transfer your loan, make sure to get a NOC
from HDFC Bank and have all the necessary documents ready for submission to
Standard Chartered Bank.