header search
My Account Customer Portal
EMI EMI Card
Download Download
ONDC_Header_Steal Deals Steal Deals
BAJAJ FINSERV DIRECT LIMITED
Hi Guest
Customer Portal Shopping Customer Care My Report
Logout

Our Products

Loans Loans
Explore Loan Products
Personal Loan
Business Loan
Home Loan
Home Loan Balance Transfer
Professional Loan
Education Loan
Two Wheeler Loan
Used Car Loan
Gold Loan
Loan Against Property
Loan Against Property Balance Transfer
Loan Against FD
Loan Against Securities
Cards Cards
Explore Cards
EMI Card
Credit Card
Forex Card
Outward Remittance
Insurance Insurance
Explore Insurance Products
Health Insurance
Car Insurance
Two Wheeler Insurance
Pocket Insurance
Term Insurance
Investment Investment
Explore Investment Products
Fixed Deposit
Mutual Fund
National Pension Scheme (NPS)
Sovereign Gold Bond (SGB)
Bonds
Stock Market Stock Market
Explore Securities Marketplace
Demat
Stocks
IPO
Indices
Stock Brokers
Market insights
Stock Market News
Electronics Mall Electronics Mall
Explore ONDC Market
Mobile Phones
Power Banks
Kitchen Appliances
Air Coolers
Air conditioner
Television
CIBIL Score
Free CIBIL Score
Credit Score Ranges
Understanding CIBIL Report
What is Credit Score
Check CIBIL Score By PAN
CIBIL Score for Personal Loan
Knowledge Centre
Explore Blogs
Budget
Income Tax
E-Way Bill
Goods and Services Tax (GST)
KYC
NEFT
RTGS
IMPS
IFSC Code
Aadhaar Card
Ration Card
Sahamati
Academy
Calculators
Explore Calculators
EMI Calculator
Personal Loan EMI Calculator
Business Loan EMI Calculator
Home Loan EMI Calculator
Professional Loan EMI Calculator
Two-wheeler Loan EMI Calculator
Loan Against Property EMI Calculator
Education Loan EMI Calculator
FD Calculator
IDV Calculator
Health Insurance Premium Calculator
Car Insurance Premium Calculator
Bike Insurance Premium Calculator

Our Services

Cibil Report
Cibil Report
Get cibil report

My Account

Login
Log In
Log into your account
Offers
Check out pre-approved offers now!
alt Do not call
En En

HDFC Bank Home Loan

Check out the HDFC Bank Home Loan interest rate starting from 7.90% p.a. Explore EMIs, additional fees, benefits and eligibility to apply online or offline.

Check Offer

Quick Links

Home Loan arrow primary icon Home Loan EMI Calculator arrow primary icon Home Loan Eligibility Calculator arrow primary icon Home Loan Interest Rate arrow primary icon Home Loan Procedure arrow primary icon Home Loan Documents arrow primary icon Tax Benefits for Home Loan arrow primary icon Plot Loan arrow primary icon
View More

HDFC Bank offers home loans starting from an attractive interest rate of 7.90% p.a. HDFC Bank provides a loan amount of up to 90% of the property’s cost, 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 Home Loan Interest Rate and Charges

HDFC Bank Home Loan interest rate is linked to the RBI's Policy Repo Rate, ensuring transparency and alignment with market conditions. The current applicable repo rate stands at 5.50%. The interest rate details for home loans are listed below, along with additional fees applicable:

Particulars

Details

Starting Interest Rate

7.90% p.a.

Maximum Interest Rate

13.20% p.a.

Processing Fees

Up to 2% of the loan amount

Foreclosure Charges

  • NIL for adjustable-rate loans 

  • Up to 2% of the loan amount + taxes for fixed-rate loans

Disclaimer: The details mentioned above are subject to change at the lender’s discretion.

Other Fees and Charges of HDFC Bank Home Loan

HDFC Bank Home Loans may include additional charges such as prepayment charges, documentation, and administrative costs. Some of them are:

Particulars
Details

Conversion of ROI from Floating to Fixed

Up to ₹3,000

List of Documents

Up to ₹500

Stamp Duty and Statutory / Regulatory Charges

At actual

CERSAI Charges

At actual (up to ₹100)

Administrative Charges

Up to ₹5,000 plus applicable taxes

Conversion Fees/Charges

Up to 1.50% of the principal outstanding

Repayment Mode Changes

Up to ₹500

Disclaimer: The details mentioned above are subject to change at the lender’s discretion.

HDFC Bank Home Loan EMI Calculator

The EMI calculator tool enables you to estimate your monthly instalments quickly and accurately. Input the loan amount, interest rate, and tenure and get accurate results instantly. Use this tool to plan your home loan repayment schedule with confidence.

HDFC Bank Home Loan EMI Calculator

Your Home Loan EMI
₹ 8,025
Total Interest Amount

₹ 926,093

Principal Amount

₹ 10,00,000

Total Payable Amount

₹ 19,26,093

Loan Amount i
Interest Rate
- +
Min value reached
Max value reached
Tenure
Months arrow-down-img
  • Years
- +
Min value reached
Max value reached
Calculate Now

You can also make instant comparisons between loan offers from multiple Home Loan providers on Bajaj Markets.

...

 

Furthermore, you can gain deeper insights into your loan instalments with the free amortisation schedule, which is provided with each calculation. 

 Read More

Key Features and Benefits of HDFC Bank Home Loan

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 Bank loans come with competitive interest rates, starting from 7.90% per annum.

Wide Range of Home Loans

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

Flexible Repayment Tenures

You can select a repayment tenure of up to 30 years for your HDFC Bank Home Loan.

View More

HDFC Bank Home Loan Eligibility Criteria

Before applying for an HDFC Bank Home Loan, you need to qualify based on certain eligibility criteria. Here is a detailed guide: 

  • Age: Between 18 and 70 years (at the time of loan maturity)
  • Employment Type: You can either be salaried or self-employed
  • Nationality: You need to be an Indian Resident

Documents Required for HDFC Bank Home Loan

Here is a look at the documents required for HDFC Bank Home Loans, both for salaried and self-employed individuals:

Mandatory Documents

  • PAN Card or Form 60

Valid Documents for Address and Identity Proof for KYC

  • Passport 
  • Valid driving license 
  • Voter ID card
  • Job card issued by NREGA and signed by a state government officer 
  • A letter issued by the National Population Register with name and address details 
  • Proof of possession of the Aadhaar number 

 Income Proof Documents for Salaried and Self-employed Individuals (Professional and Non-professional)

  • For Salaried: Last 3 months' salary slips, last 6 months' bank statement, latest Form-16 and IT returns 
  • For Self-employed: Income Tax Returns, 2 years computation of income for you and the business entity and attested by a CA, last 2 years’ Balance Sheet and Profit and Loss A/c Statements, Last 12 months' Current A/c Statements of the business entity and your Savings Account Statements 

 Property Documents for Salaried and Self-employed 

  • For Purchase of a New Home: Copy of the Allotment Letter / Buyer Agreement, Receipt/(s) of payment/(s) made to the developer
  • For Purchase of a Resale Home: Title Deeds, including the previous chain of the property documents, Receipts of initial payments made to the seller, and a Copy of the sale agreement 
  • For Constructing a Home on a N.A. Plot: Title Deeds of the Plot, Proof of no encumbrances on the property, copy of the plans, approved by the Local Authorities, Construction estimate by an Architect / Civil engineer

Additional Documents 

  • Own Contribution Proof
  • Employment Contract / Appointment Letter
  • Last 6 months' Bank Statements of loan repayments
  • Passport-size photograph(s) of all applicants
  • Cheque for processing fee
  • Business Profile
  • Latest Form 26 AS
  • List of Directors and Shareholders with their individual shareholding certified by a CA / CS
  • Memorandum and Articles of Association of the Company
  • Partnership deed
  • Details of ongoing loans of the individual and the business entity 

Types of Home Loans Offered by HDFC Bank

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 HDFC Bank home loan types, along with their features.

  • Plot Loans 

It is offered to individuals planning to build a home on purchased land. With competitive interest rates and long tenures, these loans offer flexibility in planning and construction.. 

  • Rural Housing Loans 

It is tailored for rural residents and farmers to buy, build, or enhance homes in villages or small towns. They come with affordable interest rates and repayment structures suited to rural incomes. It ensures that customers in semi-urban and rural regions can get home ownership with ease. 

  • Loan Against Property 

You can unlock up to 65% of your property’s market value through a Loan Against Property. It serves business, education, and personal needs with lower interest rates and longer repayment of up to 15 years. 

  • House Renovation Loans 

It helps you revamp your existing home to give it a fresh and appealing look. They are offered with simple documentation and competitive rates.

  • Home Extension Loans 

It is designed for families looking to expand their current living space. They come with flexible EMIs and customer-friendly repayment terms. With this option, you can add extra rooms or expand your home without financial strain. 

  • Top-up Loans 

Top-Up Loans offer additional funds over an existing home loan to meet personal or professional expenses. You can use the loan for a variety of purposes, including marriage, education, or business expansion. 

  • Home Loan Balance Transfer 

In this option, you can switch your current home loan to HDFC Bank for better interest rates or terms. It also offers improved repayment flexibility and enhanced customer service. You can benefit from reduced financial burden while maintaining continuity of your housing finance. 

How to Apply for HDFC Bank Home Loan

You can apply for an HDFC Bank Home Loan online or by making a physical visit to the branch office. Here is how to apply for an HDFC Bank Home Loan online and offline:

Apply Online 

  1. Visit the official website of HDFC Bank
  2. Hover over ‘Home Loan Products’ and choose ‘Home Loans’
  3. Click on ‘Apply Online’ and tap on ‘START MY APPLICATION’ 
  4. Choose your residential status and tick on the terms and conditions box after reading
  5. Complete the online form by submitting personal, property, and financial information
  6. Review and pay the registration and verification fees to fast-track your application 
  7. An executive will contact you to process your approval 

Apply Offline

To apply offline, you can visit the nearest HDFC Bank branch. 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. 

How to Check HDFC Bank Home Loan Status

You can easily track your HDFC Bank Home Loan status online through the loan tracker portal or via net banking. The process is simple and works for both HDFC and non-HDFC account holders. Here are the steps you can follow: 

Website- Loan Tracker 

  1. Visit the HDFC Loan Tracker portal at https://leads.hdfcbank.com/applications/misc/LST/loantracker.aspx

  2. Enter details such as your name, reference number/date of birth, or mobile number 

  3. Fill in the Captcha Code and click on ‘Submit’ to view the loan status 

Customer Net Banking 

  1. You can also log in to the official HDFC Bank Net Banking  Loans Portal Tab on https://netportal.hdfcbank.com/login#/openMarketLoginLN

  2. Enter your user ID and password 

  3. Click on ‘Login’ to view your current loan status 

HDFC Bank Home Loan Repayment Options

HDFC Bank offers flexible repayment options on home loans, ensuring you can manage EMIs effectively. These repayment methods are designed to provide convenience, as listed below. 

  • EMI Payments 

Home loan repayment can be done through fixed Equated Monthly Instalments (EMIs), ensuring timely payments. It is advisable to keep EMIs within 40% of your monthly income so repayments remain consistent/. You can also secure an emergency fund that will ensure repayments without affecting essential expenses. 

  • Prepayments

Prepayment allows you to repay your loan earlier, saving on overall interest costs. It is most beneficial when done during the initial years of the loan tenure. Before prepaying, consider tax benefits and any applicable charges to ensure it is beneficial. 

Disclaimer

The information and suggestions provided by BFDL hereinabove is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort. The information including interest rates or fees, loan amount and other charges with regard to any product, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

Related Links

Home Loan Partner Page

Home Loan Non-Partner Page

Frequently Asked Questions

Does HDFC Bank offer pre-approved home loans?

Yes, HDFC Bank offers pre-approved home loans sanctioned based on your income, credit score, and financial profile.

The maximum limit of an HDFC Bank Home Loan depends on the property cost and the type of loan. Typically, you can get up to 90% of the property’s cost, with attractive interest rates and flexible repayment options.

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 reference/application number.

Yes, HDFC Bank checks your CIBIL score when applying for a home loan. A score of 700 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.

The EMI for a ₹20-Lakh home loan on an interest rate of 7.90% p.a. is:

  • ₹24,159 for 10 years

  • ₹16,604 for 20 years

  • ₹14,536 for 30 years

Yes, HDFC Bank offers home loans under the Pradhan Mantri Awas Yojana (PMAY-U 2.0) in 2025. You can save up to ₹1.8 Lakh through interest subsidies while purchasing or constructing your home.

No, HDFC Bank Home Loans do not have hidden charges. All fees, including processing charges, interest rates, and costs, are transparently communicated.

Yes, HDFC Bank provides preferential home loan rates for existing customers through its Conversion Facility. This allows you to switch to lower interest rates by paying a nominal fee, thereby reducing your EMI or shortening the loan tenure.

Yes, HDFC Bank offers home loans for properties under construction, and you can apply for one online. In such cases, you may initially pay interest only on the disbursed loan amount until full disbursement, after which regular EMIs begin.

For fixed-rate or combination-rate loans, a 2.5% fee applies on the outstanding principal if closed within 60 months (Nil thereafter). Part-prepayments of up to 25% from own sources are often free until 36 months.

Yes, HDFC Bank provides home loans for NRIs (Non-Resident Indians) to help them buy, build, or renovate property in India. These loan options are available in the United Kingdom and other locations.

With HDFC Bank Home Loans, you can opt for HDFC ERGO Home Insurance. It safeguards the property and home valuables against risks like natural disasters or theft/burglary. The plan comes with premium discounts, minimal documentation, and optional add-on covers.

To send an online request, you need to first submit the original property documents to the bank. Then log in to portal.hdfc.com/login. Go to the disbursement request tab, upload your own contribution receipts, confirm construction status, and submit the request.

Through the HDFC Bank Home Loan portal, you can view EMI status, repayment schedules, and recent transactions. You can also track loan progress, check overdue charges, and access details on interest rate changes and loan tenure.

You can reduce your HDFC Bank Home Loan interest rate by opting for the Conversion Facility. It allows you to switch to a lower rate scheme for a nominal fee. Additionally, improving your credit score, making part-prepayments, considering a balance transfer, or negotiating may  lower your rate.

View More
Home
Home
ONDC_BD_StealDeals
Steal Deals
Free CIBIL Score
CIBIL Score
Free Cibil
Accounts
Accounts
Explore
Explore

Trending Categories

Loans

Personal Loan, Business Loan, Collateral

arrow
Investment

Fixed Deposit, Mutual Fund, NPS, Demat A/C, SGB

arrow
Insurance

General Insurance, Life Insurance, Term Insurance

arrow
Stock Market

Stocks, IPOs

arrow
Credit Report

Credit Score, Report & Analysis

arrow
ONDC

Smart Phone, Speaker, EarPhone

arrow

Related Calculators

Personal loan EMI Calculator

Home Loan EMI Calculator

Gold Loan EMI Calculator

Business Loan EMI Calculator

Our Products

Personal Loan
Pre-approved
Personal Loan
KreditBee
Olyv
Federal Bank
mPokket
15+
Quick Approval
100% Digital Application
Affordable Interest Rates
Business Loan
Lendingkart
IIFL
Indifi
Credit Saison
10+
Popular Choice
No Documentation
4-step Process
Home Loan
Bajaj Housing Finance
ICICI Bank
L&T Finance
Vridhi Home Finance
10+
Flexible Repayment Tenure
High-value Funding
Zero Prepayment Charges
Home Loan Balance Transfer
Shriram Housing Finance
LIC HFL
PNB Housing Finance
Shubham Housing Finance
7+
Top-up Facility
Minimal Paperwork
Hassle-free Process
Two-wheeler Loan
Bajaj Auto Finance
L&T Financial Services
Muthoot Capital
2+
Pre-approved Offers
Easy Cash Options
Flexible Repayment Tenures
Credit Card
Axis Bank
ICICI Bank
RBL Bank
Rupicard
30+
Promotional Offers
Travel Benefits
Rewards Programs
EMI Card
Bajaj Finserv
1
Zero Forecloseure Charges
High Loan Limit
Flexible Tenure
Fixed Deposit
Bajaj Finance
Yes Bank
PNB Housing Finance
Ujjivan Small Finance Bank
5+
Assured Returns
Credit Facility
Tax Benefits
Mutual Fund
Axis Mutual Fund
Edelweiss Mutual Fund
Union Mutual Fund
Kotak Mahindra Mutual Fund
43+
Tax Benefits
Professional Fund Management
Portfolio Diversification
Demat
Bajaj Financial Securities Limited
1
Instant Transfer
Multiple Access
Collateral for Loan
Health Insurance
TATA AIG
ABHI
BAGIC
Care Health Insurance
4
Cost-effective Policies
Easy Comparison
High Coverage
Car Insurance
TATA AIG
SBI General Insurance
HDFC ERGO
Bajaj Allianz
4
Multiple Covers
No-claim Bonus
Cashless Claim Facility
Bike Insurance
SBI General Health Insurance
HDFC ERGO 2W Insurance
Bajaj Allianz Two Wheeler Insurance
3
Efficient Claim Settlements
Low Premiums
No Claim Bonus
Pocket Insurance
One Assist
ABHI
Niva Bupa
Manipal Cigna
7+
Affordable Premiums
Easy Online Application