HDFC Home Loan Interest Rates


  • HDFC home loan interest rates starting from 6.70%*.
  • HDFC home loan rates for balance transfer.

HDFC Home Loan interest rates are one of the best in the market. The rates differ according to the loan amount, as well as the gender and profession of an individual. Besides rates, HDFC also provides higher loan amount and flexible repayment options. All this and more makes it one of the best home loans in India. Check the details below and apply for it today online.

Apply HDFC Home Loan @ 6.70%* Rate

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HDFC Home Loan Interest Rates November 2021 (For Regular Home Loans)

Home Loan Interest Rate6.70% - 8.00%
Loan AmountCustomized
Loan TenureUp to 30 years
Processing FeesFor Salaried & Self Employed Professionals - INR 3,000 + GST
For Self Employed Non Professionals - INR 5,000 + GST
Prepayment Charges0%

Special HDFC Home Loan Interest Rates (Blockbuster Festive Offer)

HDFC Limited offers home loans at a special rate of 6.70% per annum under its Blockbuster Festive Offer campaign. All you need is a credit score of more than 800. These rates, which are effective from September 20, 2021, are lower than the standard rate. The per lakh EMI is as low as INR 646 for a 30-year loan. Let’s check the special rates for salaried, self-employed professionals and self-employed non-professionals.

Salaried & Self-employed Professionals

Loan Slab (In INR)Special Home Loan Interest Rates (In Per Annum)
Women - Up to 30 Lakh6.75%-7.25%
Others - Up to 30 Lakh6.80%-7.30%
Women - Above 30 Lakh to 75 Lakh7.00%-7.50%
Others - Above 30 Lakh to 75 Lakh7.05%-7.55%
Women - Above 75 Lakh7.10%-7.60%
Others - Above 75 Lakh7.15%-7.65%

Self-employed Non-professionals

Loan Slab (In INR)Special Home Loan Interest Rates (In Per Annum)
Women - Up to 30 Lakh6.90%-7.40%
Others - Up to 30 Lakh6.95%-7.45%
Women - Above 30 Lakh to 75 Lakh7.15%-7.65%
Others - Above 30 Lakh to 75 Lakh7.20%-7.70%
Women - Above 75 Lakh7.25%-7.75%
Others - Above 75 Lakh7.30%-7.80%

HDFC Home Loan Interest Rate Offers

The standard HDFC home loan rates for salaried, self-employed professionals and non-professionals are shown below.

Salaried and Self-employed Professionals

Loan Slab (In INR)Home Loan Interest Rates (In Per Annum)
Women - Upto 30 Lakh6.95%-7.45%
Others - Upto 30 Lakh7.00%-7.50%
Women - 30.01 Lakh - 75 Lakh7.20%-7.70%
Others - 30.01 Lakh - 75 Lakh7.25%-7.75%
Women - 75.01 Lakh and Above7.30%-7.80%
Others - 75.01 Lakh and Above7.35%-7.85%

Self-employed Non-professionals

Loan Slab (In INR)Home Loan Interest Rates (In Per Annum)
Women - Upto 30 Lakh7.10%-7.60%
Others - Upto 30 Lakh7.15%-7.65%
Women - 30.01 Lakh - 75 Lakh7.35%-7.85%
Others - 30.01 Lakh - 75 Lakh7.40%-7.90%
Women - 75.01 Lakh and Above 7.45%-7.95%
Others - 75.01 Lakh and Above7.50%-8.00%

Disclaimer – Home Loan Interest Rates of 6.75% * onwards. All loans are at the sole discretion of HDFC Ltd.

HDFC Plot Loan Interest Rates

You can buy a plot to construct a home on the same. Doesn’t matter whether you are salaried or self-employed, you can get this loan from HDFC Ltd. The interest rates are segregated according to the profession and gender of individuals across different loan amounts. Let’s check out.

Loan Amount (In INR)Salaried (Female)Salaried (Others)Self-employed (Female)Self-employed (Others)
Upto 30 Lakh7.65%-8.15%7.70%-8.20%7.80%-8.30%7.85%-8.35%
Above 30 Lakh-75 Lakh7.80%-8.30%7.85%-8.35%7.95%-8.45%8.00%-8.50%
Above 75 Lakh7.90%-8.40%7.95%-8.45%8.05%-8.55%8.10%-8.60%

Note – Interest rate of 7.45% for those having a credit score of 780 and above.

HDFC Top-up Loan Interest Rates

Top-up loan is an amount you get over the running outstanding loan or the loan refinanced from other institutions. The rates for the same are illustrated below.

Loan SlabInterest Rate (In Per Annum)
Top-up on Existing Home Loan8.30%-8.80%
Top-up for Simultaneous LoansAs per the home loan slabs

Rural Housing Loan Interest Rates

Seeking funds to buy a plot, a new or an under-construction house in a rural area? You can get the same from HDFC Limited as part of its rural housing finance scheme. The rates for the same are shown below across different loan amounts.

Loan Quantum (In INR)WomenOthers
Upto 30 Lakh8.05%-9.25%8.10%-9.25%
Above 30 Lakh-75 lakh8.30%-9.50%8.35%-9.50%
Above 75 Lakh8.40%-9.60%8.45%-9.60%

HDFC Home Loan Interest Rate Calculator

A loan EMI calculator or interest rate calculator is one and the same thing. It is a housing loan calculator that tells the monthly EMI, the total interest rate outgo, and the total payment (interest+principal) by taking into account the interest rate, the loan amount and the tenure of the loan which is being taken. You can check the details in just a few minutes.

HDFC Home Loan Interest Rate for Existing Customers

The home loan interest rate offered by HDFC Ltd on home loans are calculated after deducting a certain percentage from the RPLR, the loan pricing benchmark adopted by the lender. Any fluctuation in RPLR is going to impact both new as well as existing borrowers.

HDFC Home Loan Interest Rate Conversion

The existing home loan customers of HDFC can opt for interest rate conversion facility, wherein the customers can ask the bank to reduce the applicable interest rate. The customer needs to pay a nominal conversion fee @0.50%-1.75% of the principal outstanding.

HDFC Home Loan Balance Transfer Interest Rates

Both salaried as well as self-employed individuals can opt for balance transfer (BT) facility, wherein the applicants can transfer their outstanding home loan from another bank/NBFC to HDFC. With the option of BT, customers can enjoy paying the loan at a lower rate. Not only this, HDFC also offers an additional Top-Up loan of up to INR 35 Lakh for those availing BT. However, while availing the same, the applicants also need to pay a one-time processing fee, which can be 0.50% of the principal outstanding, to HDFC. So, if you are also looking for the options where you can switch, apply for HDFC home loan now!

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  • Home Loan Interest Rates November 2021
    Axis Bank6.75% - 7.20%
    Bank of Baroda6.75% - 8.25%
    Citibank6.65% - 7.40%
    HDFC6.70% - 8.00%
    ICICI Bank6.70% - 7.55%
    Indiabulls Housing Finance Limited8.65%
    Kotak Bank6.50% - 7.25%
    LIC Housing6.66% - 7.90%
    Piramal Capital & Housing Finance9.65%
    PNB Housing Finance6.99% - 8.90%
    Reliance Home Finance8.75% - 14.00%
    State Bank of India/SBI6.70% - 6.90%
    Tata Capital6.90% - 8.75%