What is the processing fee?

The processing fee starts from ₹3,000 + GST for eligible resident housing loans.

What is the maximum home loan tenure?

The maximum tenure is 30 years.

What CIBIL score is preferred?

A 700+ CIBIL score is preferred for competitive pricing; the table above shows the published CIBIL-linked ranges.

What documents are required?

KYC, income and property documents are required as listed in the Documents tab.

Can I transfer my existing home loan to HDFC Bank?

Yes. Home loan balance transfer is available for eligible borrowers.

HDFC Bank Home Loan

HDFC Bank offers home loans for buying, constructing, renovating, and transferring existing loans, with competitive rates and flexible repayment options. Choose a suitable home loan with simple guidance and trusted support from Butter Money. Apply confidently.

Interest Rate

7.15%

p.a. onwards

₹

Processing Fee

₹3,000

+ GST

Max Tenure

30 Years

Max LTV

Up to 85%

✦Benefits with Butter Money✦

Zero Hidden Charges

Transparent pricing you can trust

Fast Approval

Quick approvals with less paperwork

Loan Assistance

Expert guidance at every step

Exciting Cashbacks

Save more with exclusive offers

About HDFC Bank Home Loan

HDFC Bank is a leading private sector bank offering home purchase, construction, renovation, and balance transfer loans with flexible tenures and convenient digital servicing, supporting eligible borrowers.

Home purchase financing

Construction finance

Balance transfer option

Top-up funding available

Flexible repayment options

Digital application support

HDFC Bank Interest Rates 2026

Based on CIBIL Score & Applicant Type

CIBIL Score	Salaried	Self Employed
800–900	7.15%–8.15%	7.15%–8.15%
750–799	7.20%–8.30%	7.20%–8.30%
700–749	7.75%–8.85%	7.75%–8.85%
650–699	8.65%–9.60%	8.65%–9.60%

Fees & Charges

Charge TypeDetails

Processing Fee₹3,000 + GST

Legal & Valuation Fee₹3,000–₹5,000 (actuals)

Stamp Duty (MODT)0.5%–0.6% (state-specific)

CERSAI Registration₹200–₹500

Compare Top Banks

BANKRATE

HDFC Bank7.15% onwards

Bajaj Housing Finance7.20% onwards

SBI7.25% onwards

ICICI Bank7.40% onwards

Popular HDFC Bank Schemes

Find the right product for your needs

Scheme Name	Best Suited For	Interest Rate
Fresh Home Loan	Home purchase or construction	7.15% onwards
Plot Loan	Residential plot purchase	7.15% onwards
Balance Transfer	Existing home loan transfer	7.15% onwards
Top-Up Loan	Additional funding	8.15% onwards

Home Loan EMI Calculator

Move the sliders to see how the loan amount, interest rate and tenure change your monthly EMI and total interest outgo.

Loan Amount

₹1,00,00,000

₹10,00,000₹10,00,00,000

Interest Rate

%7.15

6%20%

Loan Tenure

Yrs15

1 Yr30 Yrs

YOUR MONTHLY EMI

₹90,724

for 15 years at 7.15% p.a.

Principal amount

₹1,00,00,000

Total interest

₹63,30,234

Total amount payable₹1,63,30,234

Illustrative calculation based on the selected rate. The rate defaults to 7.15% p.a., the best applicable starting rate. Your actual EMI depends on the rate offered to you.