Home Loan · Bank review
HDFC Bank Home Loan
Following the HDFC Ltd merger with HDFC Bank in 2023, the bank is one of the largest home-loan lenders in India. It offers loans across salaried, self-employed, and NRI segments, with digital-first processing for eligible profiles.
By FinancePaisa Editorial Team · Research & editorialUpdated · 1 min read
Rates checked against the lenders' official pages on 28 September 2026. Your actual rate depends on your profile; confirm with the lender before you apply.
Official rate pages: HDFC Bank
- Interest rate
- 7.75% – 13.20% p.a.
- Loan amount
- No published maximum
- Tenure
- Up to 30 years
- Processing fee
- Up to 0.50% of loan or ₹3,000, whichever is higher, + taxes
On this page (4 sections)
Key features
- Rates linked to Repo Rate + spread
- Loans for purchase, construction, plot + construction, and balance transfer
- Tenure up to 30 years
- Doorstep documentation and property valuation
- Optional insurance and top-up loan bundling
Fees and charges
| Charge | Amount |
|---|---|
| Processing fee | Up to 0.50% (frequently promotional at ₹3,000) |
| Foreclosure (floating) | Nil |
| Foreclosure (fixed) | 2% of outstanding + GST |
| Late payment | 24% p.a. on overdue |
Processing fee
- Amount
- Up to 0.50% (frequently promotional at ₹3,000)
Foreclosure (floating)
- Amount
- Nil
Foreclosure (fixed)
- Amount
- 2% of outstanding + GST
Late payment
- Amount
- 24% p.a. on overdue
Eligibility highlights
- Salaried aged 21 to 65 (at loan maturity); self-employed up to 70
- Minimum income ₹25,000 / month for metros
- Minimum 3 years of employment / business
- Property in an HDFC-approved technical zone
Frequently asked questions
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