Compare HDFC Bank Home Loan rates. Check EMIs, fees, benefits and eligibility. Apply easily online or offline with full documentation.
HDFC Bank offers home loans starting from an attractive interest rate of 8.70% per annum, with flexible repayment tenures of up to 30 years. Whether you are purchasing a new house or renovating an existing property, HDFC Bank provides customised loan solutions to meet your requirements.
The bank also offers a home loan balance transfer facility, enabling you to benefit from better rates and lower EMIs. With smooth processing, minimal documentation, and dependable customer support, HDFC Bank makes homeownership more accessible and affordable.
HDFC Bank offers home loans linked to the RBI's Policy Repo Rate, ensuring transparency and alignment with market conditions. The current applicable repo rate stands at 6.25%. The bank provides both standard and special home loan interest rates.
However, the rate depends on the borrower's profile, including whether they are salaried or self-employed. Below are the interest rates applicable
Loan Type |
Calculation |
Interest Rate Range (p.a.) |
Special Rates for Salaried and Self-Employed |
Repo Rate + 2.45% to 3.30% |
8.70% – 9.55% |
Standard Rates for Salaried and Self-Employed |
Repo Rate + 3.15% to 3.70% |
9.40% – 9.95% |
Disclaimer: The above-mentioned details are subject to change at the lender’s discretion.
HDFC Bank's Top-Up Home Loan enables you to access additional funds for personal or professional milestones such as a wedding, dream vacation, or business expansion. These loans require minimal documentation and are tied to the policy repo rate, currently at 6.25%.
Below is a breakdown of the rates available for different loan options.
Loan Type |
Calculation |
Interest Rates |
Top-Up Loan (Existing Customers) |
Repo Rate + 3.20% to 4.15% |
9.45% to 10.40% |
Balance Transfer + Top-Up |
Repo Rate + 2.75% to 3.70% |
9.00% to 9.95% |
Standard Top-Up Loan (Existing Customers) |
Repo Rate + 3.90% to 4.45% |
10.40% to 10.95% |
Balance Transfer + Top-Up (Simultaneously) |
Repo Rate + 3.45% to 4.00% |
9.70% to 10.25% |
Disclaimer: The above-mentioned details are subject to change at the lender’s discretion.
HDFC Bank offers home loans to help you purchase or construct a home in your village or hometown. Whether you are a salaried individual or self-employed, you can secure a loan based on your income, land, or crops.
These loans come with flexible terms and are linked to the RBI’s Policy Repo Rate, currently set at 6.25%. Below are the interest rates for the loan:
Loan Type |
Calculation |
Interest Rates |
|||
All Loans |
Repo Rate + 3.15% to 4.50% |
9.40% to 10.75% |
Disclaimer: The above-mentioned details are subject to change at the lender’s discretion.
Before choosing a home loan, you need to compare the interest rates offered by various banks and housing finance companies on Bajaj Markets. This allows you to identify the most affordable option with lower EMIs. Below is a comparison table for your reference.
Lender Name |
Maximum Loan Amount |
Minimum Interest Rate |
Maximum Tenure |
Bajaj Housing Finance |
₹15 Crores |
7.99% p.a. |
32 Years |
Home First Finance Company |
₹35 Lakhs |
9.00% p.a. |
20 Years |
ICICI Bank |
₹5 Crores |
9.00% p.a. |
30 Years |
India Shelter |
₹40 Lakhs |
13.00% p.a. |
20 Years |
Kotak Mahindra Bank |
₹50 Lakhs |
9.00% p.a. |
20 Years |
L&T Finance |
₹7.5 Crores |
8.60% p.a. |
25 Years |
LIC Housing Finance |
₹15 Crores |
8.65% p.a. |
30 Years |
PNB Housing Finance |
₹15 Crores |
8.50% p.a. |
30 Years |
Sammaan Capital |
₹5 Crores |
8.75% p.a. |
30 Years |
Shriram Housing Finance |
₹1 Crore |
11.50% p.a. |
25 Years |
Shubham Housing Finance |
₹50 Lakhs |
9.90% p.a. |
30 Years |
Vridhi Home Finance |
₹25 Lakhs |
12.00% p.a. |
12 Years |
Disclaimer: The above-mentioned details are subject to change at the lender’s discretion.
HDFC Bank’s Home Loan EMI Calculator enables you to estimate your monthly instalments quickly and accurately. You need to input the loan amount, interest rate, and tenure. By selecting the "Calculate" button, you will receive your EMI along with a detailed amortisation table that outlines your complete repayment schedule.
The following is a sample EMI breakdown for various loan amounts, tenures, and an interest rate of 8.70% p.a.
Loan Amount |
10 Years EMI |
20 Years EMI |
30 Years EMI |
₹20 Lakhs |
₹25,012 |
₹17,610 |
₹15,663 |
₹40 Lakhs |
₹50,023 |
₹35,221 |
₹31,325 |
₹50 Lakhs |
₹62,529 |
₹44,026 |
₹39,157 |
Disclaimer: The above-mentioned details are subject to change at the lender’s discretion.
When taking a home loan, you should be aware of the various charges involved beyond the interest rate. Some of the HDFC Bank home loan fees and charges include:
Fee Type |
Charges |
Processing Fee |
Up to 0.50% of the loan amount or ₹3,300 (whichever is higher) |
Payment Return Charges |
₹300 per dishonour |
Repayment Mode Changes |
Up to ₹500 + taxes/statutory levies |
Property Document Retention Charges |
₹1,000 per calendar month (after 2 months of loan closure) |
Prepayment Charges – Variable Rate Loans (for Individuals) |
Nil (except when the loan is for business purposes) |
Prepayment Charges – Fixed Rate Loans |
2% of prepaid amount + taxes/statutory levies (except from own sources) |
Disclaimer: The above-mentioned details are subject to change at the lender’s discretion.
HDFC Bank charges different processing fees for various home loan schemes. It depends on the applicant type and loan category. Here are the detailed fees:
Scheme |
Processing Charges |
Resident Housing Loan /Renovation / Refinance / Plot Loans (for Salaried and Self-Employed Professionals) |
– Charges up to 0.50% of the loan amount or ₹3,300, whichever is higher |
For Self-Employed Non-Professionals |
– Charges up to 1.50% of the loan amount or ₹5,000, whichever is higher |
HDFC Bank NRI Home Loans |
– Up to 1.50% of the loan amount or ₹3,300, whichever is higher |
Value Plus Loans |
– Up to 1.50% of the loan amount or ₹5,000, whichever is higher |
Loans under HDFC Bank Reach Scheme |
– Processing fee up to 2.00% of the loan amount |
Re-appraisal After 6 Months of Sanction |
– ₹3,300 for salaried or self-employed professionals |
Disclaimer: The above-mentioned details are subject to change at the lender’s discretion.
Here is a quick overview of additional charges that may apply to your HDFC Bank home loan:
Charge Type |
Details |
Delayed Instalment Payment Charges |
Up to 18% per annum on the overdue EMI amount |
Incidental Charges |
Charged as per actual expenses incurred for handling specific loan-related cases |
Stamp Duty / MOD / MOE / Registration |
As applicable under the rules of the respective state government |
CERSAI Charges |
As per actual charges levied by regulatory authorities, plus applicable taxes |
Third-Party Charges |
Based on actual charges levied by third parties, along with applicable taxes/statutory levies |
Disclaimer: The above-mentioned details are subject to change at the lender’s discretion.
Following are some of the features and benefits of HDFC Bank home loans:
You can be prepared for all charges related to your loan with a transparent fee structure.
You can qualify for pre-approved offers that make applying for a home loan more convenient.
The HDFC Bank loans have some of the most competitive home loan interest rates in the market.
You can select from various types of housing loans. These include home loan top-ups, rural housing loans, loans for home improvement, and more.
You can select a repayment tenure of up to 30 years for your HDFC Bank Home Loan.
HDFC Bank offers a wide range of home loans to suit different needs, whether you want to buy, build, renovate, or expand your home. Below are the various loan types, along with their features:
Ideal for purchasing or constructing a house and applicable for:
Buying a new flat, row house, or bungalow from a builder/development authority
Purchasing resale properties
Constructing a house on a plot you already own
Feature |
Details |
Purpose |
New home purchase / Resale home / Home construction |
Property Type |
Apartment, row house, bungalow |
Availability |
From developers or development authorities |
Helps you revamp your existing home to give it a fresh and appealing look.
Feature |
Details |
Purpose |
Renovation work, such as tiling, painting, flooring, and interior upgrades |
Suitable For |
Homeowners looking to enhance aesthetics or functionality |
Designed for families looking to expand their current living space.
Feature |
Details |
Purpose |
Adding rooms, floors, or extensions to the existing structure |
Ideal For |
Growing families needing extra space |
Offered to individuals planning to build a home on purchased land.
Feature |
Details |
Purpose |
Buying residential plots (new or resale) |
Requirement |
Construction must follow land purchase |
For buyers awaiting the sale of their current property while looking to buy a new one.
Feature |
Details |
Purpose |
Interim funding for new property purchase before existing home is sold |
Benefit |
Prevents distress sale and ensures timely purchase of desired property |
Tailored for rural residents and farmers to buy, build, or enhance homes in villages or small towns.
Feature |
Details |
Eligible Borrowers |
Farmers, agriculturists, planters, salaried or self-employed individuals |
Use |
Buying/building/extending/improving a home in rural or urban areas |
Switch your current home loan to HDFC Bank for better interest rates or terms.
Feature |
Details |
Purpose |
Transfer existing home loan from another lender to HDFC |
Benefit |
Lower interest rates, better repayment terms, improved service |
Designed for individuals employed in the unorganised sector.
Eligible Borrowers |
Individuals with non-formal income proof |
Use |
Purchase/construction/extension/enhancement of residential property |
Before applying for an HDFC Bank Home Loan, you need to qualify based on certain eligibility criteria. Here is a detailed for salaried and self-employed individuals:
Age: Between 18 to 70 years (at the time of loan maturity)
Employment Type: Salaried with a stable job
Nationality: Must be a Resident Indian
Other Factors:
Regular monthly income
Consistent savings or investment history
Good credit profile and repayment history
Age: Between 18 to 70 years (at the time of loan maturity)
Employment Type: Self-Employed
Nationality: Must be a Resident Indian
Classification of Self-Employed:
Self-Employed Professionals: Includes doctors, lawyers, chartered accountants, architects, consultants, engineers, company secretaries, etc.
Self-Employed Non-Professionals (SENP): Includes traders, commission agents, contractors, and similar profiles
Other Factors:
Financial stability and business income consistency
Valid income proof and tax returns
Clear savings or investment track record
Here is a look at the documents required for HDFC Bank Home Loans, both for salaried and self-employed individuals:
Aadhaar Card, Passport, Voter ID, NREGA job card, etc.
Buyer agreement, title deeds, receipt of payment
Salary slips of the last 3 months, bank statements of the last 6 months, recent Form 16
Employment certificate, passport-size photos, cheque for the processing fee
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
Recent form 26 AS, partnership deed, business loan details, passport-sized photos, list of company’s directors, shareholding details, cheque for processing fee
You can apply for an HDFC Bank 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:
Visit the official website of HDFC Bank or download the app
Click on ‘Apply for Home Loan’
Select the ‘Check eligibility’ option to know the loan amount you are eligible for
Select the type of HDFC Bank 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
To make an offline application, you can visit the nearest HDFC Bank 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 Bank Home Loans provides a range of financing options to suit various housing needs. The bank offers loans for purchasing a new home, renovating an existing one, or acquiring a plot for construction.
With competitive interest rates, flexible repayment terms, and simple eligibility requirements, HDFC Bank ensures a smooth, hassle-free borrowing experience. Alternatively, you can also explore offers from some of the top lenders on Bajaj Markets. Secure substantial funding affordably and conveniently. Click ‘APPLY NOW’ to begin your journey towards owning your dream home.
Yes, you can apply for an HDFC Bank Home Loan online through a simple and convenient process. Just visit the bank's official site and apply for the loan.
HDFC Bank's processing fee for a home loan is typically up to 0.50% of the loan amount for salaried and self-employed professionals. The minimum fee charged is ₹3,300 plus applicable taxes and statutory levies.
Yes, HDFC Bank offers pre-approved home loans. These loans are sanctioned based on your income, credit score, and financial profile, even before you finalise a property.
The maximum limit of an HDFC Bank Home Loan depends on the property cost and type of loan. Typically, you need to contribute 10-25% of the total property cost as your own contribution, while you can get 75-90% of the property cost as a housing loan.
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.
Yes, HDFC Bank checks your CIBIL score when applying for a home loan. A score of 750 and above is considered excellent and can help you secure a loan at competitive interest rates.
You can select a repayment period of up to 30 years to repay your HDFC Bank Home Loan.
Yes, to benefit from competitive rates of interest, you can transfer your existing home loan under the HDFC Bank balance transfer option.
Yes, if your spouse is the co-owner of the house/property, you can apply for a joint home loan.
HDFC Bank home loan interest rates start from 8.70% p.a., depending on the applicant’s profile, loan amount, and scheme.
The EMI for a ₹20-Lakh home loan is:
₹25,012 for 10 years
₹17,610 for 20 years
₹15,663 for 30 years
You can get your HDFC Bank home loan statement by visiting the nearest branch, logging in to HDFC Bank's Loans Portal, or using internet banking to request it online.