✓ Home Loan from ₹2 Lakhs to ₹15 Crores ✓ Interest Rates Starting @ 8.50% Check Eligibility

For affordable home loan offerings, you can zero in on an HDFC home loan. Read on to know the latest interest rates for an HDFC home loan, the associated charges and more.

HDFC Home Loan Interest Rates 2024

HDFC Bank offers standard and special home loan interest rates for salaried and self-employed individuals. These rates are applicable to home loans, house renovation loans, balance transfer loans and home extension loans. 


Note that all the interest rates are benchmarked to the policy repo rate. As of October 2023, the applicable repo rate is 6.50%.


Here is a look at the HDFC home loan interest rates: 

Special Home Loan Interest Rates for Salaried & Self-Employed Applicants

Home Loan Slab

Interest Rates (per annum)

For All Loans

Policy Repo Rate + 2.00% to 2.65% = 8.50% to 9.15%

Standard Home Loan Interest Rates for Salaried & Self-Employed Applicants

Home Loan Slab

Interest Rates (per annum)

For All Loans

Policy Repo Rate + 2.25% to 2.90% = 8.75% to 9.40%

Disclaimer: Aforementioned details can vary at the discretion of the lender.

HDFC Home Loan EMI Calculator

You can use the online HDFC Bank home loan calculator to get an estimate of your potential EMIs immediately. Instead of carrying out complicated manual mathematical calculations, use the calculator. This digital tool automatically provides the exact EMI amount. 


You just need to provide three variables: the loan amount, interest rate and repayment tenure. You also get to see the amortisation schedule detailing the amount to be paid both as interest and for the principal for the duration.


Knowing the EMI amount beforehand can help you plan your finances better. For instance, say you want a loan of ₹10 Lakhs with a 6.70% rate of interest. The HDFC Bank home loan calculator will show the following EMIS for different repayment tenures: 

Loan Amount 

Interest Rate



₹10 Lakhs

6.70% per annum

10 years


₹10 Lakhs

6.70% per annum

20 years


₹10 Lakhs

6.70% per annum

30 years


Disclaimer: The above figures are an estimate to aid calculation, and actual EMI may vary depending on the prevailing rates and other factors.

HDFC Home Loan Fees and Charges

Along with the HDFC housing loan interest rate, you may incur some fees and charges while getting the loan and during its tenure. Read on to know the current scheduled fees and charges on an HDFC home loan: 

Type of Fees and Charges

Payable Amount

HDFC Home Loan Processing Fees

0.5% to 2% of the loan amount

Prepayment and Foreclosure Charges

Up to 2% of the outstanding balance, depending on interest rate type

Cheque Dishonour Charges

₹300 per dishonour

PDC Swap Charges

Up to ₹500 + applicable taxes or statutory levies

Charges on Loan Tenure Alteration

Up to ₹500

Disclaimer: Aforementioned details can vary at the discretion of the lender

HDFC Home Loan Features & Benefits

Zero Hidden Charges

You can be prepared for all charges related to your loan with a transparent fee structure.

Pre-approved Offers

You can qualify for pre-approved offers that make applying for a home loan more convenient. 

Rates of Interest

The HDFC loans have some of the most competitive home loan interest rates in the market.

Wide Range of Home Loans

You can select from various types of housing loans, These include home loan top-ups, rural housing loans, loans for home improvement, and more.

Flexible Repayment Tenures

You can select a repayment tenure of up to 30 years for your HDFC home loan.

Home Loans for Various Categories of Individuals

HDFC housing loans are available for different applicants, such as salaried and self-employed borrowers, farmers, and more.

HDFC Home Loan Types

Here is a look at the different types of HDFC home loans: 

  • HDFC Home Loan: You can get this loan for purchasing a residential house or property.

  • HDFC Plot Loan: You can get this loan for purchasing a plot for house construction.

  • HDFC Rural Housing Loan: Farmers, horticulturists, and other rural people employed in the agricultural sector can apply for this housing loan.

  • HDFC Home Loan for Improvement: You can use this loan to renovate your house.

  • HDFC Home Extension Loan: You can use this loan to extend the existing area of your house.

  • HDFC Top-Up Loan: This is an additional amount you can borrow over and above your existing home loan.

  • HDFC Balance Transfer Loan: This provision enables you to transfer your existing home loan from other banks or NBFCs to HDFC.

  • HDFC NRI Home Loan: This loan is available for NRI applicants.

  • HDFC Prime Minister Awas Yojana (PMAY) Urban: Under PMAY Urban, you can get an interest subsidy on your home loan. This applies to applicants from the Economically Weaker Section (EWS), Middle Income Group (MIG), and Lower Income Group (LIG). 

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HDFC Home Loan Eligibility

Before applying for an HDFC home loan, you must qualify on the basis of the eligibility criteria. You can use the online home loan eligibility calculator to know your eligibility instantly. 


Here is a look at the eligibility terms, both for salaried and self-employed individuals.

  • You must be between 21 to 65 years of age

  • You must have a minimum salary of ₹10,000 if you are a salaried individual and ₹2 Lakhs per annum if you are self-employed


The bank also considers other factors like your age, credit history, credit score, income and employment, and other financial obligations. 

Documents Required for HDFC Home Loans

Here is a look at the documents required for availing of an HDFC home loan, both for salaried and self-employed individuals:

1.Common Document Requirements for Self-Employed and Salaried Individuals 

  • Identity and Address Proof: Aadhaar Card, Passport, Voter ID, NREGA job card, etc.

  • Property Related Documents: Buyer agreement, title deeds, receipt of payment

2. Document Requirements for Salaried Individuals

  • Income Proof: Salary slips of the last 3 months, bank statements of the last 6 months, recent Form 16

  • Miscellaneous Documents: Employment certificate, passport-size photos, cheque for processing fee

 3. Document Requirements for Self-Employed Individuals

  • Income Proof: Recent ITRs, audited profit and loss account statement and balance sheet for the last 3 years, current account statements of the business for the last 6 years

  • Miscellaneous Documents: Recent form 26 AS, partnership deed, business loan details, passport-sized photos, list of company’s directors, shareholding details, cheque for processing fee

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How to Apply for an HDFC Home Loan

You can apply for an HDFC home loan online or by making a physical visit to the branch office. Here is a look at the steps for applying online and offline:

1. Online Home Loan Application

  • Visit the official website of HDFC Bank or download the app

  • Click on ‘Apply for Home Loan’

  • Select the option of ‘Check eligibility’ to know the loan amount you are eligible for

  • Select the type of HDFC home loan from the ‘Basic information’ tab

  • Choose ‘Yes’ if you have a shortlisted property; otherwise, select ‘No’

  • Enter your name and up to 8 co-applicants

  • Provide your residential status and other personal details under the ‘Applicants’ tab

  • Check all home loan offerings under the ‘Offerings’ tab

  • Select your home loan, provide your date of birth, and click on ‘Submit’

  • Upload the required documents and pay the processing fee to complete the application

2. Offline Home Loan Application

To make an offline application, you can visit the nearest HDFC branch office. Here, you can reach out to the home loan department, where an executive will guide you through the process. Do remember to fill in the form carefully and submit copies of the requisite documents. 

HDFC Home Loan Customer Care

HDFC Missed Call Number 


HDFC Toll-Free Number

1800 210 0018 (accessible all over India)

HDFC SMS Service


HDFC Address

HDFC House, HT Parekh Marg, 165/166 Backbay Reclamation, Churchgate, Mumbai - 400020

Online Options

WhatsApp facility and ‘Ask EVA’ chatbot are available on the official website

If you are planning to get a home loan, you can also check out offers from top lenders on Bajaj Markets. You can get high-value funding affordably and conveniently. Click on ‘APPLY NOW’ to get started and buy the home of your dreams.

FAQs on HDFC Home Loans

Can I apply for an HDFC home loan online?

Yes, you can apply in a convenient and hassle-free manner online.

What are the processing fees for an HDFC home loan?

The processing fees range between 0.5% to 2% of the home loan amount.

Does HDFC give pre-approved home loans?

Yes, as an existing customer, you can get pre-approved home loan offers from HDFC.

What is the maximum limit of an HDFC home loan?

You can get an HDFC home loan of up to ₹10 Crores.

How can I check my HDFC home loan status?

You can check the status of your home loan on the official website of the bank. To track the status, provide details, such as your name, mobile number or reference/application number.

Does HDFC check the CIBIL score for a home loan?

Yes, a good CIBIL score can help you secure a home loan from HDFC at reasonable rates of interest.

What is the maximum tenure for an HDFC house loan?

You can select a repayment period of up to 30 years to repay your HDFC home loan.

Can I transfer my house loan from another bank to HDFC?

Yes, to benefit from competitive rates of interest, you can transfer your existing home loan under the HDFC balance transfer option. 

Can I club the income of my spouse with mine and apply for an HDFC joint home loan?

Yes, if your spouse is the co-owner of the house/property, you can apply for a joint home loan.

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