Apply for HDFC Bank Home Loan @ 7.90% - 9.00% Interest Rates
HDFC Bank Home Loan Details
| Loan amount | Up to Rs. 10 Crores |
|---|---|
| Rate of interest | 7.90% – 9.00% p.a. |
| Age | 21 – 65 years |
| Tenure | Up to 30 years |
| Lowest EMI possible | Rs. 727 Per Lakh |
| Processing fee | Up to 1.50% of the loan amount + applicable taxes/ statutory levies |
| Foreclosure charges | Up to 2% of the outstanding balance amount + applicable taxes/statutory levies |
| Penal Interest | 2% p.a. |
HDFC Bank Home Loan Interest Rates - 2025
All HDFC bank home loan interest rates are benchmarked to Policy Repo Rate, which is currently 5.50%. HDFC Bank Home Loan current rate of interest ranges from 7.90% – 9.00% p.a.
| Special Home Loan Rates 2025 for Salaried & Self-Employed (Professionals & Non-Professionals) | |
| Loan Slab | Interest Rates (% p.a.) |
| For All Loans | Policy Repo Rate + 2.40% to 7.70% = 7.90% to 13.20% |
HDFC Bank Home Loan Comparison with Other Lenders
Let’s compare HDFC Bank home loan interest rate today with the rates of interest offered by other banks lenders
| Lender | Maximum Loan Amount | Interest Rate (p.a.) | Processing Fee |
| HDFC Bank Home Loan | Up to Rs. 10 Crores | 7.90% – 9.00% | Up to 1.50% + applicable taxes/ statutory levies |
| ICICI Bank Home Loan | Up to Rs. 5 Crores | 7.70% | 0.5% of the loan amount + applicable taxes |
| SBI Home Loan | Up to 90% of the property cost | 7.50% – 8.45% | 0.35% of the loan amount (Rs. 2,000 to Rs. 10,000) + GST |
| Axis Bank Home Loan | Up to Rs. 5 Crores | 8.75% – 11.60% | Up to 1% of the loan amount or Rs. 10,000 (whichever is higher) + GST |
| Bank of Baroda Home Loan | Up to Rs. 10 Crores | 7.45% | Rs. 8,500 to Rs. 25,000 |
HDFC Bank Home Loan Processing Fee & Charges
| HDFC Home Loan: Fees & Charges | |
| Processing fees | Up to 1.50% of the loan amount (whichever is higher) + applicable taxes & statutory levies |
| Additional interest | Up to 18% p.a. on overdue instalment amounts |
| Incidental charges & expenses | Levied to cover the cost, charges, expenses & other monies as per actuals applicable to a case |
| Stamp Duty/ MOD/ MOE/ Registration | As applicable in the respective States |
| Fees/charges levied by entities such as CERSAI | As per actual charges/ fee levied by Regulatory bodies + applicable taxes & statutory levies |
| Fees/charges levied by such third parties such as mortgage guarantee company | As per actual fee/ charges levied by any third party + applicable taxes & statutory levies |
| Part prepayment charges | Up to 2% of principal outstanding being prepaid + applicable taxes |
| Foreclosure charges | Up to 2% of the principal outstanding + applicable taxes |
HDFC Bank Home Loan Eligibility Criteria
Eligibility for HDFC Bank Home Loan will vary according to your income, age, credit score, monthly fixed financial obligations like EMIs, credit history, retirement age and job/employment stability or business continuity. Before applying for an HDFC Bank Home Loan, consider the following home loan eligibility criteria:
- The applicant should be an Indian resident.
- The applicant should be a salaried, self-employed professional (Doctor, Lawyer, Chartered Accountant, Architect, Consultant, Engineer, Company Secretary etc.) or a self-employed non-professional (Trader, Commission Agent, Contractor etc.).
- The applicant should have a fixed & stable source of income.
- The applicant’s age should be between 18 to 70 years.
- The applicant should have good credit score & credit history.
- Based on your existing financial obligations like EMIs, credit card bills etc., eligibility for HDFC home loan is determined.
How to Calculate HDFC Bank Home Loan EMI?
You can instantly calculate HDFC Bank Home Loan EMI using an online Home Loan EMI Calculator on our platform. All you have to do is fill up the loan details like the loan amount, rate of interest, and the loan tenure. You will instantly get the EMI schedule along with the comprehensive amortisation table.
HDFC Bank Home Loan EMI Calculation
To help you compare home loan EMIs for HDFC Bank Home Loan, sharing below EMI Calculation for Rs. 10 Lakhs to Rs. 60 Lakhs amount for 10, 20 & 30 years at the lowest rate of 7.90% p.a. The EMI will certainly change during the year as the home loan rate resets during the loan period.
| Loan Amount | 10 years | 20 years | 30 years |
| Rs. 10 Lakhs | Rs. 12,080 | Rs. 8,302 | Rs. 7,268 |
| Rs. 20 Lakhs | Rs. 24,160 | Rs. 16,605 | Rs. 14,536 |
| Rs. 30 Lakhs | Rs. 36,240 | Rs. 24,907 | Rs. 21,804 |
| Rs. 40 Lakhs | Rs. 48,320 | Rs. 33,209 | Rs. 29,072 |
| Rs. 50 Lakhs | Rs. 60,400 | Rs. 41,511 | Rs. 36,340 |
| Rs. 60 Lakhs | Rs. 72,480 | Rs. 49,814 | Rs. 43,608 |
Furthermore, you can also use HDFC Bank home loan eligibility Calculator to assess the loan amount eligibility for your profile. Share income, existing liabilities and tentative EMI for the calculation.
Documents Required for HDFC Bank Home Loan
Here is a quick list of home loan documents that are required to be submitted/ uploaded with your
HDFC Bank Home Loan application.
- Recent coloured passport-size photographs of all co-applicants.
- Duly filled & signed application form.
- PAN Card
- Identity Proof: Aadhar Card/ Passport/ Driving License/ Voter ID Card
- Address Proof: Aadhaar Card/ Passport/ Latest utility bill like Electricity, Water or Gas Bill/ Registered Rent Agreement/ Lease Agreement etc.
- Proof of income: Salary Slips for the last 3months, Bank Statements showing salary credits for the last six months, latest Form-16 & IT returns, proof of business continuity for the last 3 years.
- Property documents for new homes: Allotment Letter/ Buyer Agreement and Receipt(s) of payment(s) made to the developer
- Property documents for resale homes: Title Deeds including chain of previous property documents, Receipt(s) of initial payment(s) made to seller, and Agreement to sell (if applicable)
- Property documents for construction: Plot’s Title Deeds, No encumbrance certificate, copy of plan as approved by Local Authorities, and onstruction estimate by an Architect or Civil engineer
- Income documents for Salaried Individuals:
- Salary slips of last 3 months
- Bank statements showing salary credits & EMI debits for last 6 months
- Latest Form 16 and ITR
- Income documents for Self-employed:
- Bank Statement for business as well as individual for past 1 year
- Business existence proof
- Individual as well as Business’ copy of ITR for last 3 years
- Company registration license under Shop and Establishment Act
- Individual as well as business’ Computation of Income, Profit & Loss Account, Audit Report, Balance Sheet, etc.
- Other documents:
- Past repayment record + sanction letter for existing loan(s)
- Cheque for processing fee
Get a detailed list of HDFC Bank Home loan documents for different profiles- salaried, self-employed, NRI here.