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.
Last updated: 15 June 2025
Interest Rate
8.75% – 9.65% p.a.
Loan Amount
Up to ₹10 crore
Tenure
Up to 30 years
Processing Fee
Up to 0.50% (max ₹3,000 promotion)
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 |
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