HDFC Bank Home Loan: Rates, Eligibility & Fees 2026
HDFC Bank offers home loans to buy, build or renovate a home. Butter Money compares HDFC Bank's offer with similar lenders for your profile and handles the paperwork with you until disbursal.
Interest Rate
7.45%
p.a. onwards
Processing Fee
₹10,550
+ GST
Max Tenure
30 Years
Max LTV
Up to 88%
Rates updated 6 Oct 2026 from Butter's lender rate data · HDFC Bank's official rates
Zero Hidden Charges
Transparent pricing you can trust
Fast Approval
Quick approvals with less paperwork
Loan Assistance
Expert guidance at every step
Exciting Cashbacks
Save more with exclusive offers
What stands out with HDFC Bank
- 0.05% lower rate when a woman is the primary applicant
- Home loans for NRIs buying in India
- Repayment holiday (moratorium) available on under-construction homes
- Tenure up to 30 years
HDFC Bank home loan at a glance
| Lender type | Private bank |
| Starting rate | 7.45% p.a. onwards |
| Products | Home loan, Plot, Construction, Balance transfer |
| Funding (LTV) | Up to 88% of the property's value, within RBI's caps |
| Prepayment | Nil on floating-rate loans |
| NRI loans | Available |
HDFC Bank Interest Rates, October 2026
By product, CIBIL score & applicant type
| CIBIL Score | Salaried | Self Employed |
|---|---|---|
| New to credit | 7.65% onwards | 7.65% onwards |
| 800 and above | 7.45% onwards | 7.45% onwards |
| 650–699 | 8.70% onwards | 8.70% onwards |
| 700–749 | 7.80% onwards | 7.80% onwards |
| 750–799 | 7.55% onwards | 7.55% onwards |
| Below 650 | 8.70% onwards | 8.70% onwards |
| CIBIL Score | Salaried | Self Employed |
|---|---|---|
| New to credit | 7.65% onwards | 7.65% onwards |
| 800 and above | 7.45% onwards | 7.45% onwards |
| 650–699 | 8.65% onwards | 8.65% onwards |
| 700–749 | 7.75% onwards | 7.75% onwards |
| 750–799 | 7.55% onwards | 7.55% onwards |
| Below 650 | 8.65% onwards | 8.65% onwards |
Starting rates for each CIBIL band. Women primary applicants get 0.05% lower. Your final rate also depends on the loan amount, property and profile. Updated 6 Oct 2026.
Fees & Charges
HDFC Bank vs Similar Lenders
Lenders with the closest rates
| Lender | Best Suited For | Interest Rate |
|---|---|---|
| HDFC Bank (this page) | Private bank | 7.45% onwards |
| ICICI Bank | Private bank | 7.40% onwards |
| Axis Bank | Private bank | 7.35% onwards |
| HSBC Bank | Foreign bank | 7.45% onwards |
HDFC Bank Home Loan EMI Calculator
Move the sliders to see how the loan amount, interest rate and tenure change your monthly EMI and total interest outgo at HDFC Bank's rates.
Illustrative calculation based on the selected rate. The rate defaults to 7.45% p.a., the best applicable starting rate. Your actual EMI depends on the rate offered to you.
A ₹50 lakh HDFC Bank home loan over 20 years at 7.45% costs ₹40,127 a month, or ₹46,30,464 in total interest. Every 0.25% higher adds about ₹766 a month.
HDFC Bank Home Loan FAQs
What is the HDFC Bank home loan interest rate?
HDFC Bank home loan rates start at 7.45% p.a. for the strongest credit profiles and rise for lower CIBIL scores, and women primary applicants get 0.05% lower. Your final rate also depends on the loan amount, property and income.
Can I prepay my HDFC Bank home loan without charges?
Yes, on a floating-rate home loan. RBI rules do not allow HDFC Bank to charge individual borrowers for part-prepayment or foreclosure of floating-rate home loans.
How much of the property value will HDFC Bank fund?
HDFC Bank funds up to 88% of the property's value, within RBI's caps (up to 90% for loans up to ₹30 lakh, 80% for ₹30–75 lakh and 75% above ₹75 lakh). You pay the rest as your own contribution.
Rates updated 6 Oct 2026 from Butter's lender rate data. Final terms are set by HDFC Bank at sanction. Source: HDFC Bank.