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Yes, you can apply for Personal Loan in HDFC even if you don’t have an account in HDFC. There is no such conditions like you need to have an account in that particular bank where you apply for Loan.
The Loan approval is entirely based on your CIBIL Score,repayment capacity and documents you process with.
In case having an account with that particular bank will be help in speeding up the process of approval as you already have a relationship with that Bank. e.g Lets say you have a Salary Account with ICICI then processing a Personal Loan via ICICI could be faster because they already have your KYC and Banking information.