HDFC · Home Loan
HDFC Bank home loan, 2026.
Reviewed by Jay Patel· Last reviewed:
HDFC home loan from 8.35% p.a., up to Rs 10 Cr over 30 years. These are indicative lender figures; current pricing, eligibility, and processing remain lender-controlled.
Interest Rate
8.35% – 9.25%
Max Amount
Rs 10 Cr
Max Tenure
30 Years
Processing Fee
0.50% or Rs 3,000
HDFC Home Loan — Key Features
What makes HDFC's home loan offering stand out.
Digital application process
Pre-approved limits for salaried
20+ year track record
Pan-India property coverage
HDFC Home Loan Rate Details
Complete breakdown of interest rate, fees, and terms.
| Interest Rate (p.a.) | 8.35% – 9.25% |
| Rate Type | Floating (linked to EBLR / RLLR) |
| Processing Fee | 0.50% or Rs 3,000 (whichever is higher) |
| Maximum Loan Amount | Rs 10 Crore |
| Maximum Tenure | 30 Years |
| Prepayment Charges | Nil (for floating rate) |
| Late Payment Fee | 2% p.a. on overdue amount |
HDFC Home Loan EMI Examples
Approximate monthly EMI at 8.35% p.a. interest rate.
| Loan Amount | Tenure | Monthly EMI |
|---|---|---|
| Rs 20,00,000 | 15 years | Rs 19,519 |
| Rs 35,00,000 | 20 years | Rs 30,042 |
| Rs 50,00,000 | 20 years | Rs 42,918 |
| Rs 75,00,000 | 25 years | Rs 59,636 |
| Rs 1,00,00,000 | 30 years | Rs 75,831 |
EMI calculated at the listed 8.35% p.a. comparison rate on reducing balance. Actual EMI, fees, and tenure depend on the lender's current approval.
Use our EMI Calculator for custom amountsHDFC Home Loan Eligibility
Who can apply for HDFC's home loan.
Salaried Applicants
- Age: 21 – 65 years
- Min Income: Rs 25,000/month
- Experience: 2 years
- CIBIL Score: 700+
Self-Employed Applicants
- Age: 21 – 70 years
- Min Income: Rs 3 Lakhs/year ITR
- Business Vintage: 3 years
- CIBIL Score: 700+
Documents for HDFC Home Loan
Documents you need to apply for HDFC's home loan.
Salaried
- 1PAN Card & Aadhaar Card
- 2Last 6 months salary slips
- 3Last 2 years Form 16 / ITR
- 4Last 6 months bank statements
- 5Property documents (Agreement, Title deed)
- 6Passport-size photographs
- 7Address proof (utility bill / rent agreement)
Self-Employed
- 1PAN Card & Aadhaar Card
- 2Last 3 years ITR with computation
- 3Last 3 years audited balance sheet & P&L
- 4Last 12 months bank statements (all accounts)
- 5Property documents (Agreement, Title deed)
- 6Business registration (GST, Udyam, Shop Act)
- 7Passport-size photographs
HDFC vs Other Banks — Home Loan Rate Comparison
How does HDFC's rate compare with competitors?
| Bank | Rate (p.a.) | Max Amount |
|---|---|---|
| HDFC (This bank) | 8.35% – 9.25% | Rs 10 Cr |
| SBI | 8.25% – 9.15% | Rs 10 Cr |
| BoB | 8.25% – 9.15% | Rs 10 Cr |
| PNB | 8.3% – 9.2% | Rs 8 Cr |
| Canara | 8.3% – 9.25% | Rs 5 Cr |
| Union | 8.3% – 9.2% | Rs 5 Cr |
Other HDFC Loan Products
Explore more loan products from HDFC Bank.
HDFC Home Loan — Frequently Asked Questions
Common questions about HDFC's home loan product.
What is the lowest home loan interest rate in India in 2026?
As of 2026, indicative home loan rates start at 7.15% p.a. from select public and private sector banks. Rates vary by loan amount, profile, and property location. Available lender information can help compare options, while pricing and approval remain lender-controlled.
How much home loan am I eligible for?
Banks typically offer 60x to 72x your monthly income as the maximum home loan amount. For self-employed individuals, it is 4-6x annual net income shown in ITR. Factors like existing EMIs, CIBIL score, age, and employer category also influence eligibility.
Is fixed or floating rate better for a home loan?
Floating rate home loans are 0.5-1.5% cheaper and recommended in a falling rate environment. Fixed rate loans (truly fixed for 2-5 years) suit those who want predictable EMIs. Most Indian banks offer floating rates linked to the RBI repo rate via their EBLR or RLLR benchmarks.
Can I get a home loan with a CIBIL score of 650?
While most banks prefer a CIBIL score of 700+, some NBFCs and cooperative banks may consider scores around 650 with higher interest rates and stricter terms. Available lender information may help identify options, but each lender controls its credit criteria and decision.
What are the tax benefits on a home loan?
Under Section 24(b) you can claim up to Rs 2 Lakhs per year on interest paid. Under Section 80C, up to Rs 1.5 Lakhs on principal repayment. First-time buyers get an additional Rs 1.5 Lakhs under Section 80EEA (subject to conditions). Joint loan applicants can each claim these deductions.
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