Private sector bank · Home Loan
HDFC Bank Home Loan 2026
HDFC Bank took over India’s largest housing finance company, HDFC Ltd, in July 2023 and prices new home loans directly off the RBI repo rate. Interest rate 7.75% – 13.20%, tenure Up to 30 years.
Rates as of Sep 2026 · Checked 30 September 2026Interest rate
7.75%
up to 13.20%EMI on ₹50,00,000 (20 yrs)
₹41,047
HDFC Bank Home Loan at a glance
Interest rate7.75% – 13.20%
Processing feeUp to 0.50% of loan, minimum ₹4,000 (aggregator) + GST
Loan amount—
TenureUp to 30 years
BenchmarkRBI policy repo rate (5.25%) + spread of 2.50% – 7.95%
Rate optionsFloating, fixed and hybrid (TruFixed)
Lender typePrivate sector bank
Rank on this site#8 of 17 by starting rate
Strengths
- Transparent repo + spread pricing published officially
- Floating, fixed and hybrid choices
- Large branch and home-loan-centre network
Watch out for
- Very wide spread band (2.50% – 7.95%) — confirm your exact spread
- Legacy HDFC Ltd loans on RPLR (18.55%) may cost more; consider converting
HDFC Bank home loan interest rate & charges
| Feature | HDFC Bank |
|---|---|
| Interest rate | 7.75% – 13.20% |
| Rate details | Official: policy repo rate + 2.50% to 7.95% = 7.75% – 13.20% for all loan amounts, salaried and self-employed (Sep 2026). Some aggregators quote 7.20% onwards through their channel. |
| Processing fee | Up to 0.50% of loan, minimum ₹4,000 (aggregator) + GST |
| Loan amount | — |
| Tenure | Up to 30 years |
| Prepayment / foreclosure | Nil on floating-rate loans to individuals (RBI rule) |
| Benchmark | RBI policy repo rate (5.25%) + spread of 2.50% – 7.95% |
| Rate options | Floating, fixed and hybrid (TruFixed) |
Special schemes & features
TruFixed (hybrid)
Fixed rate for an initial period, then floating
Balance transfer
Move an existing home loan to HDFC Bank
Source: homeloans.hdfc.bank.in, Sep 2026. Rates are indicative; your rate depends on your profile. Always check the Key Facts Statement (KFS) for the APR before signing.
EMI at HDFC Bank’s rates
| Loan amount | EMI @ 7.75% | EMI @ 10.48% | EMI @ 13.20% |
|---|---|---|---|
| ₹25,00,000 | ₹20,524 | ₹24,926 | ₹29,646 |
| ₹50,00,000 | ₹41,047 | ₹49,852 | ₹59,293 |
| ₹75,00,000 | ₹61,571 | ₹74,778 | ₹88,939 |
Tenure 20 years, reducing-balance method. Total interest on ₹50,00,000 at 7.75%: ₹48,51,383.
HDFC Bank home loan EMI calculator
Eligibility
- Resident Indians and NRIs; minimum age usually 18 – 21
- Maximum age at loan maturity typically 60 – 75 depending on lender and employment (e.g. Canara/PNB 70, Bandhan 75, some LIC HFL schemes 80)
- Regular income: salaried, self-employed professional or self-employed business owner; informal-income borrowers at affordable-housing lenders
- Credit score: 750+ usually gets the best rates (LIC HFL’s lowest rate needs 825+)
- Total EMIs (including the new loan) generally within 50% – 60% of net monthly income
- Property with clear, marketable title and approved plan; loan limited by RBI LTV caps (90% / 80% / 75%)
Documents required
- KYC: PAN (mandatory), Aadhaar / passport / voter ID, address proof, photographs
- Salaried: last 3 salary slips, Form 16 (2 years), 6 months’ salary bank statement
- Self-employed: ITR with computation (2 – 3 years), CA-certified P&L and balance sheet, business proof (GST / Udyam / licence), 12 months’ bank statements
- Property: sale agreement / allotment letter, title chain, approved plan, RERA registration, OC/CC or builder NOC, encumbrance certificate, tax receipts
- Own-contribution receipts and existing loan statements (if any)
- For balance transfer: sanction letter, 12 months’ repayment track, list of documents held by current lender
How to apply for HDFC Bank Home Loan
- Check eligibility & compareUse the eligibility calculator and compare APR, not just the headline rate.
- Apply with documentsOnline or at a branch; pay the processing / login fee.
- Appraisal & sanctionLender checks credit score, income and FOIR, then issues a sanction letter and Key Facts Statement with APR.
- Legal & technical checkTitle search, encumbrance, approvals and valuation of the property.
- Agreement & mortgageSign the loan agreement; deposit original title deeds (equitable mortgage) or register a mortgage deed as the state requires.
- DisbursalPaid to the seller/builder — in one go for ready homes or in stages for under-construction projects.
HDFC Bank vs other lenders
| Lender | Rate | Processing fee | Tenure | EMI on ₹50,00,000 |
|---|---|---|---|---|
| Indian Overseas Bank Home Loan | 7.10% – 8.20% | 0.50% of loan (max ₹25,000) + GST | Up to 30 years | ₹39,066 |
| Canara Bank Home Loan | 7.15% – 10.00% | 0.50% of loan (max ₹10,000) + GST | Up to 30 years | ₹39,216 |
| LIC Housing Finance Home Loan | 7.15% – 9.50% | 0.25% of loan (min ₹5,000, max ₹50,000 per Paisabazaar; BankBazaar shows max ₹15,000) + GST; nil for women borrowers under offer | Up to 30 years | ₹39,216 |
| PNB Home Loan | 7.25% – 9.65% | 0.35% of loan (min ₹2,500, max ₹15,000) + GST; waived in some festive campaigns | Up to 30 years | ₹39,519 |
| SBI Home Loan | 7.25% – 8.55% | 0.35% of loan + GST (min ₹5,000, max ₹15,000 per Paisabazaar; BankBazaar shows ₹3,000 – ₹12,000); nil for Privilege and Shaurya | Up to 30 years | ₹39,519 |
| IDBI Bank Home Loan | 7.40% – 11.90% | 0.50% + taxes (aggregator); product page shows ₹2,500 – ₹5,000 + taxes; waived for balance transfer / PMAY | Up to 30 years | ₹39,974 |
| Kotak Mahindra Bank Home Loan | 7.60% onwards | Up to 2% + GST (nil on some online applications) | Up to 20 years (as listed by source) | ₹40,586 |
| HDFC Bank Home Loan | 7.75% – 13.20% | Up to 0.50% of loan, minimum ₹4,000 (aggregator) + GST | Up to 30 years | ₹41,047 |
| PNB Housing Finance Home Loan | 7.90% – 12.00% | Up to 1% + GST | Up to 30 years (NRI up to 15 years) | ₹41,511 |
| Tata Capital Home Loan | 8.00% – 13.00% | Up to 3% + GST (aggregator offer: ₹999 + GST) | Up to 30 years | ₹41,822 |
| Axis Bank Home Loan | 8.20% – 9.10% | Up to 1% of loan or ₹10,000, whichever is higher, + GST (Asha: 1% – 2% + GST) | Up to 30 years | ₹42,446 |
| Bandhan Bank Home Loan | 8.55% – 13.52% | Up to 1% + GST | Up to 30 years | ₹43,550 |
| Sammaan Capital (formerly Indiabulls Housing Finance) Home Loan | 8.75% onwards | 0.50% onwards + charges | Up to 15 years (per source; confirm with lender) | ₹44,186 |
| YES Bank Home Loan | 9.00% – 11.50% | 1.5% + GST or ₹10,000, whichever is higher (BankBazaar); CreditMantri shows 0.5% or ₹10,000 | Up to 35 years | ₹44,986 |
| Truhome Finance (formerly Shriram Housing Finance) Home Loan | 9.50% onwards | As per MITC (aggregator: up to 1.5% + GST) | Up to 25 years | ₹46,607 |
| Piramal Finance Home Loan | 9.99% onwards | Up to 3% + taxes | Up to 30 years | ₹48,218 |
| Aadhar Housing Finance Home Loan | 11.75% – 17.00% | Typically 0.5% – 1% (aggregator: up to ₹3,500 + GST) | Up to 30 years | ₹54,185 |
Frequently asked questions
What is the HDFC Bank Home Loan home loan interest rate?
HDFC Bank home loan rates start at 7.75% and go up to 13.20% p.a. (as of Sep 2026). The rate you get depends on your credit score, income and loan details.
What is the EMI for ₹50,00,000 from HDFC Bank?
At 7.75% for 20 years the EMI is about ₹41,047, with total interest of ₹48,51,383.
What is the processing fee?
HDFC Bank: Up to 0.50% of loan, minimum ₹4,000 (aggregator) + GST. GST at 18% applies on fees.
What is the maximum tenure?
HDFC Bank: Up to 30 years.
Can I prepay or foreclose the loan?
HDFC Bank: Nil on floating-rate loans to individuals (RBI rule).
Information compiled from the lender’s published rates and reputable aggregators for comparison only. FinancePortal is not affiliated with HDFC Bank Home Loan. Terms change — confirm with the lender.