Whatsapp Chat Button

HDFC Home Loan

Buying your dream homes was never so easier

Want to realize your long-cherished dream of buying a home? Choose HDFC Bank Home Loan and see it finding life. Home loans are available at 7.55*% P.A

Apply Now Contact Us
HDFC Home Loan


Interest Rates & Charges

Below are the applicable interest rates for availing of an HDFC Bank home loan.


The amount that a home loan provider charges a borrower for using the principal is known as the interest rate. Your monthly EMI for your mortgage is determined by the interest rate on your housing loan. HDFC currently offers home loan interest rates starting from 7.65%* p.a.


Retail Prime Lending Rate: 17.20%

HDFC Home Loan


Loan Slab

Home Loan Interest Rates (% p.a.)

For Women* (upto 30 Lakhs)

7.65 - 8.15

For Others* (upto 30 Lakhs)

7.70 - 8.20

For Women* (30.01 Lakhs to 75 Lakhs)

7.90 - 8.40

For Others* (30.01 Lakhs to 75 Lakhs)

7.95 - 8.45

For Women* (75.01 Lakhs & Above)

8.00 - 8.50

For Others*(75.01 Lakhs & Above)

8.05 - 8.55

Types of HDFC Home Loan Interest Rate

There are two kinds of HDFC Home Loan interest rates: fixed and floating.

Fixed Interest Rate

Here, the rate of interest charged on the HDFC Home Loan amount will remain constant throughout the loan repayment period. You know your HDFC Home Loan EMI obligation at the start of the tenor, allowing you to plan your monthly budget accordingly.

HDFC Home Loan
HDFC Home Loan

Floating Interest Rate

Here, HDFC Home Loan interest rates could change depending on changes to the Marginal Cost of Lending Rate (MCLR), which is the base rate set for banks by the RBI. With changes in MCLR, the interest rate on loans also gets revised. With a lower interest rate, the repayment amount also reduces. On the other hand, if the interest rates increase, your EMI obligation will also increase. A floating HDFC Home Loan interest rate makes it difficult for you to ascertain your monthly financial obligation.

HDFC Home Loan Interest Calculation Method

There are two methods to calculate interest: flat rate method and the reducing balance method.

In the flat interest rate method, the interest rate is based on the complete loan amount you pay during the repayment period. In case of reducing the balance method, the rate of interest on the HDFC Home Loan will be considered and calculated on the basis of the outstanding loan amount.

Flat Interest Rate Calculation

EMI = (principal + total interest payable) / loan tenure in months i.e. total interest payable = P x r x n/100

Where, ‘P’ is the principal loan amount, ‘r’ is the rate of interest, and ‘n’ is the loan tenure in months.

Floating Interest Rate Calculation

EMI = [P x r x (1 + r) ^n] / [(1 + r) ^(n-1)]

Where, ‘P’ is the principal loan amount, ‘r’ is the rate of interest, and ‘n’ is the loan tenure in months.

Here's what our customer have been saying about us

Our partners from across the industry

We collaborate with the best and biggest in the banking & financial world to get you relevant products at great rates.

Apply Now
indiabulls city-bankidfc-bank poonawala-fincorp
standard-charted bajaj indusind kotak chola lending-kart fullerton-india icici axis

Your Data Is Secure With Us.

We employ best-in-class security practices and procedures to keep your information secure every time.



From taking regular backups to using stronger passwords, we strictly prohibit any kind of unauthorized access of your crucial data, corruption, or theft throughout its life cycle.



We identify all the different ways your privacy could be at risk and have prepared safeguards to help you protect yourself online with us. Your privacy is important to us.



We are ISO 27001:2013 and SOC2 Type 2 compliant which instills trust into the hearts of our customers. We are secured with SSL and a certified GSP (GST Suvidha Provider).

Recent Blogs

See More

Our blogs are where you get the latest news along with insights from industry experts.

Glossary of Loan

Glossary of Loan

By My mudra


Things you should know before refinancing your existing business loan

Things you should kn...

By My mudra