HDFC Bank Home Loan Interest Rates, Schemes and Eligibility
Premier private lender with lightning-fast digital sanctions
What is the current HDFC Bank home loan interest rate?
HDFC Bank home loan interest rates start at 8.40% p.a. for salaried borrowers with a credit score of 750+. The rate you get depends on your credit score, loan amount, and whether you choose a floating or fixed rate. MakaanLoan compares this against 25+ banks for free.
| Loan Category | Interest Rate Range (p.a.) | Max Tenure | Max LTV Ratio | Rate Verification |
|---|---|---|---|---|
| Salaried Borrowers (CIBIL 750+) | 8.40% – 8.85% | 30 Years | Up to 80% | Recently Verified |
| Self-Employed Professionals & Business | 8.55% – 9.40% | 25 Years | Up to 80% | Recently Verified |
| Balance Transfer from Other Lenders | Starts at 8.40% p.a. | Up to 30 Years | Up to 85% + Top-up | Recently Verified |
Popular HDFC Bank Home Loan Schemes
Explore specialized schemes tailored for salaried professionals, business owners, youth, and government employees.
HDFC Standard Home Loan
Market-leading home finance with lightning-fast digital verification
- Digital in-principle sanction letter issued in under 48 hours
- Financing up to 90% of property cost for loans up to ₹30 Lakhs
- Flexible structured repayment options tailored to annual cashflow cycles
HDFC Reach Home Loan
Accessible home finance for micro-entrepreneurs & self-employed with untraditional income
- Surrogate income assessment evaluating bank statement throughput and footfalls
- Funding available for ready homes, home expansion, and self-construction
- Tenures up to 20 years with reasonable down payment thresholds
HDFC Plot & Composite Loan
Combined financing for plot purchase and subsequent home construction
- Disbursement in tranches directly linked to verified site construction milestones
- Up to 5 years timeline allowed to initiate home construction post plot purchase
- Integrated valuation and legal vetting handled by HDFC empanelled experts
HDFC Home Loan Top-Up
Instant liquidity at home loan interest rates for personal or business needs
- Top-up amounts up to ₹50 Lakhs disbursed within 24 to 48 hours
- Interest rate significantly lower than personal loans or business overdrafts
- No end-use restrictions (interior renovation, medical, education, or business)
HDFC Bank Home Loan EMI Calculator
Estimate your monthly installment based on HDFC Bank's live interest rate of 8.40% p.a.
HDFC Bank Eligibility Criteria
- Age Limit: 21 years at application, up to 65–70 years at maturity
- Minimum Income: ₹25,000/month for salaried; ₹3,00,000 annual net taxable income for self-employed
- CIBIL Score: 720+ preferred for best rate spreads
- Employment Vintage: 2+ years total work experience; 3+ years in continuous business
- Resident Status: Resident Indians, NRIs, and PIOs eligible across major schemes
Documents Required for HDFC Bank
- KYC: PAN card (mandatory for applicant & co-applicant), Aadhaar card, passport photos
- Salaried Income: Last 3 months payslips, 6 months salary bank statement, Form 16 / ITR
- Self-Employed: 3 years ITR with computation, P&L, balance sheet, 12 months bank statements
- Property Documents: Allotment letter, agreement for sale, sanctioned building plan, CC/OC
Frequently Asked Questions about HDFC Bank Home Loans
What is the current HDFC Bank home loan interest rate?
HDFC Bank home loan interest rates start at 8.40% p.a. and range up to 9.40% p.a., linked to repo rate benchmarks. Actual rate offers depend on your credit score, loan amount, and employment profile.
What is the standard processing fee charged by HDFC Bank?
HDFC Bank charges a standard processing fee of 0.5% of the sanctioned loan amount. When you apply through MakaanLoan, you can access exclusive fee concessions and special capped processing fee schemes.
Are there any prepayment or foreclosure penalties on HDFC Bank home loans?
Under Reserve Bank of India (RBI) regulations, HDFC Bank charges zero prepayment penalties or foreclosure charges on floating rate home loans for individual borrowers.
What is the minimum CIBIL score required for HDFC Bank home loan approval?
A CIBIL score of 700 or higher is preferred by HDFC Bank for standard approval, while scores of 750+ unlock the lowest starting rate slab of 8.40% p.a. Profiles with 650–700 are workable subject to compensatory underwriting.
How long does HDFC Bank take to sanction and disburse a home loan?
Digital in-principle sanction from HDFC Bank can be achieved within 48 to 72 hours once complete documentation is submitted. Final disbursement typically takes 3 to 7 working days post legal and technical verification.
Ready to apply for HDFC Bank Home Loan?
Submit your profile through MakaanLoan to lock in exclusive volume processing fee concessions (Makaanloan special offer of flat ₹5,900 processing fee), dedicated relationship management, and conditional in-principle sanction without bank branch visits.