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HDFC Home Loan – Interest Rate @8.70% p.a.

Home Home Loan HDFC Home Loan

HDFC Bank offers home loan @ 8.70% p.a. onwards for tenures up to 30 years. The lender also offers home loan balance transfer facility to existing home loan borrowers of other banks and HFCs. Its Rural Housing Loan scheme is aimed at agriculturists, planters, horticulturists, dairy farmers, etc. residing in the rural and urban areas and self-employed/salaried applicants wishing to construct/purchase homes in their home towns and villages.

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Language icon हिंदी में पढ़े
Updated: 02-04-2025 11:08:09 AM
HDFC Home Loan Highlights
Interest Rate 8.70% p.a. onwards
Loan Amount (LTV Ratio) Up to 90% of property cost
Tenure Up to 30 years
 Processing Fee For Salaried/Self-employed Professionals: Up to 0.50% of the loan amount or Rs 3,300, whichever is higher
For Self-employed Non-Professionals: Up to 1.50% of the loan amount or Rs 5,000, whichever is higher

Note: Last updated on 2 April 2025

HDFC Bank Home Loan Interest Rates

HDFC home loan interest rate starts at 8.70% p.a. While HDFC Bank has not disclosed the interest rate slab based on the credit score, monthly income, occupation profile, etc. of its loan applicants, lenders usually consider these factors while setting the home loan interest rates of their applicants. In addition, the bank has specified the interest rate for top-up home loans and rural housing home loans, as mentioned below:-

HDFC Bank Top-Up Home Loan Interest Rates

HDFC Bank Top-up Home Loan interest rate starts at 9.00% p.a. While the lender has not specified the interest rate breakdown based on the credit score, repayment history, etc. of its loan applicants, lenders usually consider these factors while setting the top-up home loan interest rates of their applicants.

HDFC Rural Housing Loan Interest Rates

Loan Slab Interest Rates (p.a.)
For all loan amounts 9.40%-10.75%

HDFC Home Loan Interest Rates v/s Other Top Lenders

Name of LenderLoans Up to Rs. 30 LakhLoans Above Rs. 30 Lakh to Rs. 75 LakhLoans Above Rs. 75 Lakh
SBI8.00%-9.15% p.a. 8.00%-9.15% p.a. 8.00%-9.15% p.a. Check Eligibility
HDFC Bank Limited8.70% p.a. onwards8.70% p.a. onwards8.70% p.a. onwardsCheck Eligibility
Bajaj Housing Finance7.99%-17.00%7.99%-17.00%7.99%-17.00%Check Eligibility
ICICI Bank8.75% p.a. onwards8.75% p.a. onwards8.75% p.a. onwards
Check Eligibility
Axis Bank8.75%-12.80% p.a.8.75%-12.80% p.a.8.75%-9.65% p.a.Check Eligibility
Federal Bank8.80% p.a. onwards8.80% p.a. onwards8.80% p.a. onwardsCheck Eligibility
Punjab National Bank8.05% - 9.85% p.a.8.00% - 9.75% p.a.8.00% - 9.75% p.a.Check Eligibility
Kotak Mahindra Bank8.65% p.a. onwards 8.65% p.a. onwards8.65% p.a. onwardsCheck Eligibility
Bank of Baroda8.40% - 10.40% p.a.8.40% - 10.40% p.a.8.40% - 10.65% p.a.
Check Eligibility
Canara Bank8.00% – 10.75% p.a.7.95% – 10.75% p.a.7.90% – 10.65% p.a.Check Eligibility
IDFC FIRST Bank8.85% p.a. onwards8.85% p.a. onwards8.85% p.a. onwardsCheck Eligibility
IDBI Bank8.40% p.a. onwards8.40% p.a. onwards8.40% p.a. onwardsCheck Eligibility
Punjab & Sind Bank8.30% – 11.50% p.a.8.30% – 11.50% p.a.8.30% – 11.50% p.a.Check Eligibility
RBL Bank9.00% p.a. onwards9.00% p.a. onwards9.00% p.a. onwardsCheck Eligibility
LIC Housing Finance8.25% p.a. onwards 8.25% p.a. onwards 8.25% p.a. onwards Check Eligibility
Tata Capital Housing Finance8.75% p.a. onwards8.75% p.a. onwards8.75% p.a. onwardsCheck Eligibility
PNB Housing Finance8.50% - 14.50% p.a.8.50% - 14.50% p.a.8.50%-11.45% p.a.Check Eligibility
Sammaan Capital
(Formerly known as Indiabulls Housing Finance)		8.75% onwards8.75% onwards8.75% onwardsCheck Eligibility
Aditya Birla Capital8.60% onwards8.60% onwards8.60% onwardsCheck Eligibility
India Shelter Home Loan11.59% onwards11.59% onwards11.59% onwardsCheck Eligibility
L&T Finance Limited8.65% p.a. onwards8.65% p.a. onwards8.65% p.a. onwardsCheck Eligibility
Godrej Housing Finance8.55% onwards8.55% onwards8.55% onwardsCheck Eligibility
Home First Finance11.90% onwards11.90% onwards11.90% onwardsCheck Eligibility
Easy Home Finance8.95% onwards8.95% onwards8.95% onwardsCheck Eligibility
Piramal Capital Housing Finance9.50% onwards9.50% onwards9.50% onwardsCheck Eligibility
Cholamandalam Investment and Finance10.50% onwards10.50% onwards10.50% onwardsCheck Eligibility

HDFC Home Loan Fees & Charges

HDFC Home Loan Processing Fees 

Following is the list of HDFC Bank home loan processing fees for different schemes:-

Particulars Charges
Resident Housing Loan/ Extension/ House Renovation Loan/ Refinance of Housing Loan/ Plot Loans for Housing (Salaried, Self-Employed Professionals) – Up to 0.50% of the loan amount or Rs 3,300, whichever is higher

– Minimum Retention Amount: 50% of applicable fees or Rs 3,300, whichever is higher
Resident Housing/ Extension/ Renovation/ Refinance/ Plot Loans for Self-Employed Non-Professionals – Up to 1.50% of the loan amount or Rs 5,000

– Minimum Retention Amount: 50% of applicable fees or Rs 5,000
HDFC Home Loan for NRI – Up to 1.50% of the loan amount or Rs 3,300, whichever is higher

– Minimum Retention Amount: 50% of applicable fees or Rs 3,300
Value Plus Loans – Up to 1.50% of the Loan amount or Rs. 5,000

– Minimum Retention Amount: 50% of applicable fees or Rs 5,000
Re-Appraisal of loan after 6 months from sanction Salaried & Self-employed Professional-Up to Rs 3,300

For Self-Employed Non-Professionals/ NRI/ Value Plus Loans/ HDFC Reach Scheme – Up to Rs 5,000

Other Charges Related to HDFC Home Loan Interest Rate

Particulars Charges
Stamp Duty/MOD/MOE/Registration As applicable in respective states
CERSAI charges As per actuals
Charges levied by such third parties such as mortgage guarantee company  Up to 18% p.a. on overdue instalment amounts

Types of HDFC Home Loan

Following are the types of home loans offered by the HDFC Bank:-

HDFC Bank Housing Loans

Purpose: HDFC Bank offers regular home loans to its applicants for the following purposes:

  • For purchase of flats, bungalows or row houses in approved projects from private developers.
  • For purchase of properties from Development Authorities such as MHADA, DDA, etc.
  • For property purchase in Co-operative Housing Societies or Apartment Owner’s Association or Development Authorities Settlement or private homes.
  • For financing the construction of home properties on plots allotted by the Development Authority or a freehold/leasehold plot.

Loan Amount (LTV Ratio):

Particulars Details
Up to and including Rs 30 lakh Up to 90% of property cost
Rs 30.01 lakh-Rs 75 lakh Up to 80% of property cost
Above Rs 75 lakh Up to 75% of property cost

Tenure: Up to 30 years

Processing Fees:

  • For Salaried/Self-employed Professionals: Up to 0.50% of the loan amount or Rs 3,300, whichever is higher.
  • For Self-employed Non-Professionals: Up to 1.50% of the loan amount or Rs 5,000, whichever is higher.

HDFC Home Loan Balance Transfer (HLBT)

Purpose: HDFC Bank Home Loan Balance Transfer can be availed by existing home loan borrowers of other banks and HFCs for transferring their existing home loans to HDFC Bank at lower interest rates.

Loan Amount (LTV Ratio):

Particulars Details
Up to and including Rs 30 lakh Up to 90% of property cost
Rs 30.01 lakh-Rs 75 lakh Up to 80% of property cost
Above Rs 75 lakh Up to 75% of property cost

Tenure: Up to 30 years

Processing Fees:

  • For Salaried/Self-employed Professionals: Up to 0.50% of the loan amount or Rs 3,300, whichever is higher.
  • For Agriculturists/Self-employed Non-Professionals: Up to 1.50% of the loan amount or Rs 5,000, whichever is higher.

HDFC Bank Rural Housing Loans

Purpose: HDFC Bank Rural Housing Loan is a special home loan scheme offered to agriculturists, dairy farmers, planters and horticulturists for the purchase of under-construction, new, or existing residential properties in rural and urban areas. Salaried and self-employed individuals can also avail this home loan scheme to construct or purchase their own home in their hometown or village.

Individuals can also avail this scheme for carrying out home enhancement purposes such as flooring, tiling, painting, internal and external plaster, etc., and extending/adding space in the existing property.

Loan Amount (LTV Ratio)

Particulars Details
Up to and including Rs 30 lakh Up to 80% of property cost
Rs 30.01 lakh-Rs 75 lakh Up to 80% of property cost
Above Rs 75 lakh Up to 75% of property cost

Tenure: Up to 30 years

Processing Fees:

  • For Salaried/Self-employed Professionals: Up to 0.50% of the loan amount or Rs 3,300, whichever is higher.
  • For Agriculturists/Self-employed Non-Professionals: Up to 1.50% of the loan amount or Rs 5,000, whichever is higher.

HDFC Bank Plot Loans

Purpose: HDFC Bank Plot Loan can be availed for:-

  • Purchase of plot through direct allotment
  • Purchase of resale plot

Loan Amount (LTV Ratio):

Particulars Details
Up to and including Rs 30 lakh Up to 80% of property cost
Rs 30.01 lakh-Rs 75 lakh Up to 80% of property cost
Above Rs 75 lakh Up to 75% of property cost

Tenure: Up to 15 years

Processing Fees:

  • For Salaried/Self-employed Professionals: Up to 0.50% of the loan amount or Rs 3,300, whichever is higher.
  • For Self-employed Non-Professionals: Up to 1.50% of the loan amount or Rs 5,000, whichever is higher.

HDFC Home Renovation Loans

Purpose: Individuals can avail HDFC Bank Home Renovation Loan for home enhancement purposes such as tiling, flooring, painting and plasters of existing homes.

Loan Amount (LTV Ratio):

For Existing Customer

Particulars Details
Up to and including Rs 30 lakh 100% of renovation cost
Rs 30.01 lakh-Rs 75 lakh 100% of renovation cost
Above Rs 75 lakh 100% of renovation cost

For New Customer

Particulars Details
Up to and including Rs 30 lakh 90% of renovation cost
Rs 30.01 lakh-Rs 75 lakh 80% of renovation cost
Above Rs 75 lakh 75% of renovation cost

Tenure: Up to 15 years

Processing Fees:

  • For Salaried/Self-employed Professionals: Up to 0.50% of the loan amount or Rs 3,300, whichever is higher.
  • For Self-employed Non-Professionals: Up to 1.50% of the loan amount or Rs 5,000, whichever is higher.

HDFC Home Extension Loans

Purpose: Prospective home loan borrowers can avail HDFC Bank Home Extension Loan to raise finances for home extension purposes, such as the addition of more space to their existing homes.

Loan Amount (LTV Ratio):

Particulars Details
Up to and including Rs 30 lakh 90% of renovation cost
Rs 30.01 lakh-Rs 75 lakh 80% of renovation cost
Above Rs 75 lakh 75% of renovation cost

Tenure: Up to 20 years

Processing Fees:

  • For Salaried/Self-employed Professionals: Up to 0.50% of the loan amount or Rs 3,300, whichever is higher.
  • For Self-employed Non-Professionals: Up to 1.50% of the loan amount or Rs 5,000, whichever is higher.

HDFC Bank Top-up Home Loans

Purpose: HDFC Bank Home Loan Top-up is an additional loan provided on the existing home loan to meet the personal and professional requirements of the borrower.

Loan Amount: Up to Rs 1 crore

LTV ratio (including the outstanding loan amount plus top-up loan amount):

Particulars Details
Up to Rs 75 lakh Up to 80%
Above Rs 75 lakh Up to 75%

Tenure: Up to 15 years

Processing Fees:

  • For Salaried/Self-employed Professionals: Up to 0.50% of the loan amount or Rs 3,300, whichever is higher.
  • For Self-employed Non-Professionals: Up to 1.50% of the loan amount or Rs 5,000, whichever is higher.

HDFC Home Loan Eligibility Criteria

  • Minimum age – 18 years
  • Maximum age – 70 years
  • Profession – Salaried/Self-employed Professionals (doctors, lawyers, engineers, CA, architects, consultant, CS) and Self-employed Non-Professionals (commission agent, contractor, trader).
  • Minimum Income – Rs 10,000 per month for salaried individuals and Rs 2 lakh p.a. for self-employed individuals.

Additionally, HDFC Bank home loan eligibility can also be determined based on other factors including credit score, monthly income and EMI/NMI ratio of its home loan applicants.

Documents Required for HDFC Home Loan

Below-mentioned is the detailed list of home loan documents required to be submitted by HDFC Bank home loan applicants:-

ID Proof for HDFC Home Loan – PAN Card or Form 60, Passport, Voter ID, Driving License, job card issued by NREGA duly signed by State Government officer, proof of possession of Aadhar Number, Letter issued by National Population Register containing name and address details.

Income Proof for HDFC Home Loan

For Salaried For Self-Employed
Salary slips for the last 3 months ITR with income computation for the past 3 assessment years of both individual and business entities (duly attested by a CA)
ITR and Form 16 Current account statement of business entity for past 6 months and savings account statement of the individuals of both individual and business entity (duly attested by a CA)
Bank account statement for the past 6 months showing salary credit Balance sheet and profit and loss account statement for last 3 years, with schedules and annexures

Property Related Documents

  • For New Home – Allotment letter copy/Buyer agreement and Payment receipt made to the developer.
  • For Resale Home Title deeds including previous chain of property documents, Agreement to sell copy and Initial payment receipt made to the seller.
  • For Construction – Title deed of plot, Copy of the plan approved by Local Authorities, No encumbrance proof on the property and the total estimate of construction by a Civil Engineer/Architect.

Other Documents Required for HDFC Home Loan

The list of other documents required for HDFC Bank home loan by salaried and self-employed applicants is given below:-

For Salaried Applicants For Self-Employed Applicants
Proof of own contribution Business Profile and Form 26AS
Bank Statement for last 6 months with loan repayment record Memorandum and Articles of Association of the Company
Appointment letter/Employment contract if current employment is less than a year old Own contribution proof
Passport-size photograph with signatures across Details of current loans of the individual and business entity including installments, outstanding amount, purpose, security, balance loan term, etc.
Processing fee cheque in favour of HDFC Bank Ltd. Processing fee cheque favouring HDFC Bank Ltd.
Passport-size photographs with signatures across

Additional Documents for HDFC Rural Housing Loan

Income Proof

  • Bank statement for the past 6 months
  • Copy of title documents of agricultural land depicting land holding
  • Copy of title documents of agricultural land depicting crops being cultivated

Other Documents

  • Bank statement for last 6 months showing loan repayment record
  • Passport size photographs signed across
  • Own contribution proof
  • Processing fee cheque in favor of HDFC Bank Ltd.
  • Statement of past 2 years of loans availed

Documents Required for HDFC Home Loan Balance Transfer

  • A letter from the existing lender on his letter head mentioning the list of property documents held by them
  • Photo copy of property documents
  • A letter from the existing financial institution on their letter head showing the latest outstanding balance

How to Apply for an HDFC Home Loan?

Applicants can apply for HDFC Bank Home Loan online in the following steps:-

  1. Visit the official website of HDFC Home Loan.
  2. Click on ‘Apply for HDFC Home Loan’.
  3. Click on ‘Check eligibility’ to find out the eligible home loan amount.
  4. Select the type of housing loan (home loan, home renovation loan, plot loan, etc.) under the ‘Basic Information’ tab. For further information, click on the link beside the loan type.
  5. Click on ‘Yes’ if you have shortlisted the property and fill in the property details (city, state, estimated cost of property). In case the property is not yet decided, click ‘No’. Enter your name under ‘Applicant’s name’. If you wish to add co-applicants to your home loan select the number of co-applicants (maximum 8).
  6. Under the ‘Applicant’s’ tab fill in your residential status, city, state, gender, age, occupation, mobile number, retirement age, Email Id, gross/total monthly income and existing EMIs if any.
  7. Under the ‘Offers’ section, you will find the home loan products and maximum home loan amount you are eligible for, loan tenure, EMI payable, interest rate and type of interest rate (fixed or floating).
  8. Select the loan product of your choice. The home loan application form opens where the details already provided by you are prefilled. Fill in the remaining details (date of birth and password) and click on ‘Submit’.
  9. Upload the documents required for HDFC home loan.
  10. Pay the processing fee and your online HDFC Bank Home Loan application is complete.

Applicants can also apply for HDFC Bank Home Loan through online fintech marketplaces like Paisabazaar.

How to Login to HDFC Bank Home Loan Account?

Applicants can log in to their HDFC Bank Home Loan account through the HDFC Bank Home Loan mobile app in the following two ways:-

By entering the ID and Password

  • Open the HDFC Bank mobile app
  • Enter the ID and password
  • Click on “Login”

By entering the Loan Account Number

  • Open the HDFC Bank mobile app
  • Enter the Loan Account Number
  • Click on “Login”

HDFC Bank Home Loan EMI Calculator

Consumers planning to apply for home loans with HDFC Bank can use the Home Loan EMI Calculator to calculate their EMI and total interest cost for various combinations of loan amounts, interest rates and loan tenures. This will also allow the loan applicants to choose their optimum loan tenures based on their repayment capacity.

EMI Calculator
₹
%
Year(s)
EMI Calculator

Monthly EMI ₹ 15,622

Total Amount Payble ₹ 5,62,395(Principal + interest)

Principal Amount ₹ 5,00,000

Total Interest Payble ₹ 62,395

You can also visit HDFC Bank Home Loan EMI Calculator to check the amortization schedule for detailed breakup of interest and principal components of home loan EMI.

HDFC Bank Home Loan Customer Care/Grievance Redressal

Toll-Free Number- 1800 1600 / 1800 2600

Give a missed call on 9289200017 or send an SMS HDFCHOME to 56767
Click on HDFC Bank Home Loan Customer Care/Grievance Matrix to know more about the customer care and grievance redressal process of HDFC Bank Home Loan.

HDFC Bank Home Loan App

HDFC Bank Home Loans –  App is a quick, easy and convenient app for all the informational and transactional services related to home loans. The app provides a wide range of services to existing as well as prospective borrowers. Android users can download the HDFC Bank Home Loan App through Google Playstore whereas iPhone users can download the app through the App Store.

Existing customers can access various home loan-related services, such as fetching the account statements, repayment details, account summary, disbursement details and tax certificates of their home loans. The app also provides options like branch locator and product details which increases the convenience of managing home loans. Those planning to avail HDFC Bank Home Loans can also make property searches, seek information regarding home loans, get in touch with the loan advisor and/or make home loan applications through the HDFC Home Loan App.

Related Articles
HDFC Bank Loan Against Property HDFC NRI Home Loan
HDFC Home Loan for Women HDFC Bank Home Improvement Loans

 

FAQs on HDFC Home Loan

What is the current HDFC home loan interest rate?

HDFC Bank offers home loans at 8.70% p.a. onwards, depending on the credit profile of the applicant.

What are the documents required for availing HDFC Bank Home Loan?

HDFC Bank Home Loan applicants are required to submit their PAN card or Form 60, ID proof, address proof, salary slips for the last 3 months, bank statements for the last 6 months showing salary credits, Form 16/ITR, property documents for the purchase of new home or resale home, etc. while availing home loan.

What is the minimum salary requirement for availing HDFC Bank Home Loan?

The minimum income requirement for salaried individuals availing HDFC Bank Home Loan is Rs 10,000 per month, while for self-employed individuals is Rs 2 lakh p.a.

How to get an HDFC Bank Home Loan interest certificate?

Applicants can get HDFC Bank Home Loan interest certificates either through the official website of HDFC Bank or through the HDFC Bank Home Loan mobile app. You can also visit the bank branch to get your home loan interest certificate.

How to calculate the HDFC home loan interest rate?

Applicants can use the HDFC Home Loan EMI Calculator to calculate the interest cost of their HDFC Home Loan. All they need to do is enter the loan amount, loan tenure and interest rate in the home loan EMI calculator and calculate the interest cost instantly.

Why does HDFC Bank’s home loan interest rate increase/decrease?

HDFC Bank uses the repo rate as the benchmark for setting housing loan interest rates. Thus, any change in the repo rate leads to a change in the HDFC home loan interest rates set for the existing home loan borrowers. Additionally, HDFC Bank also tweaks the spread charged over the benchmark rates as part of its special/festive home loan offers for fresh home loan borrowers.

Who can be the co-applicant to HDFC Home Loan?

The co-owners of the property have to be the co-applicants of HDFC Bank Housing Loan. However, not all co-applicants need to be co-owners. The lender usually allows close family members to be co-applicants.

Can I prepay my outstanding HDFC home loan amount?

Yes, you can prepay your HDFC home loan amount in part or in full before the actual completion of the loan tenure. HDFC Bank does not levy prepayment charges on home loans availed at floating interest rates.

Does HDFC provide preferential interest rates for women?

HDFC Bank offered a 0.05% interest rate concession to its women home loan applicants on standard home loan rates, but this has now been discontinued.

How do I repay my HDFC Home Loan?

You can repay your HDFC Bank Home Loan through various modes of repayment- ECS (Electronic Clearing System), direct deduction of monthly instalments by the employer, or issuing post-dated cheques from the salary account.

How can I reduce the HDFC Home Loan interest rate?

You can reduce your HDFC Bank Housing Loan interest rate by reducing your home loan from a higher interest rate to a lower interest rate. HDFC Bank charges a conversion fee of up to 0.50% of the outstanding principal and undisbursed amount (if any) at the time of conversion or Rs 3,000, whichever is lower. In case the bank does not reduce your home loan interest rate, you can transfer your home loan from HDFC Bank to any other lender offering lower interest rates.

What are the pre-closure charges in HDFC home loans?

HDFC Bank does not charge any prepayment fees for home loans availed at floating interest rates. However, in the case of home loans availed at fixed rates, the bank charges a prepayment fee of 2% of the loan amount plus applicable taxes, except when the pre-closure is being made through its own sources.

What is the disbursement process of an HDFC Home Loan?

HDFC Bank sanctions the home loan after the property and document verification and completion of ‘own contribution’ or down payment. Once the loan is sanctioned, the borrower can request for loan disbursal either through online or offline mode. HDFC Bank would then disburse the loan either completely or in stages depending on the completion of construction.

Can the income of my spouse be taken into consideration for calculating the home loan amount?

Yes, the income of your spouse can be taken into consideration while calculating the HDFC home loan amount. Adding your spouse’s income can increase your home loan eligibility. Your spouse needs to submit the income documents to HDFC Bank.

What is the minimum credit score at which the applicants can avail HDFC Bank Home Loan?

HDFC Bank has not specified any cut-off credit score for home loan applicants. However, HDFC Bank offers lower interest rates to home loan applicants with credit scores of 750 and above.

What are MOD charges in HDFC Home Loans?

MOD refers to a Memorandum of Deposit which states that the lender has complete rights over the property against which the loan has been availed until the repayment of the entire loan amount. The MOD charges usually range from 0.1% to 0.5% of the loan amount. However, for HDFC Bank Home MOD charges vary from state to state.

Can I get approval for an HDFC Home Loan while I decide which property I should purchase?

You can apply for a pre-approved home loan facility, an in-principal approval given on the basis of your financial position, creditworthiness and income. Pre-approved home loans are usually offered to borrowers who have yet to identify their property. However, the applicant would have to purchase the property within 6 months from the date of loan sanction.

Which is better – HDFC Home Loan or an SBI Home Loan?

HDFC Bank offers home loans at interest rates starting from 8.70% p.a. while SBI Home Loan interest rates start from 8.25% p.a. However, the final interest rate offered by any of these banks would depend on the applicant’s credit profile, loan amount, credit score, LTV ratio, occupation profile, etc. Thus, the best home loan option for any applicant would be the one offered at the lowest interest rates with the lowest charges while suiting his repayment capacity and ability to make a down payment or margin contribution.

How to reduce the interest rate on HDFC Home Loans?

Existing home loan borrowers of HDFC Bank can request the bank to reduce their home loan rates. If approved by the bank, the borrowers would be charged a conversion fee of up to 0.50% of outstanding principal and undisbursed amount (if any) at the time of conversion or Rs 3,000, whichever is lower, on reducing their interest rates. In case the bank refuses to reduce their home loan interest rates, the borrowers can visit online financial marketplaces to find the home loan interest rates offered by other lenders on transferring their home loans.

How do I check the HDFC Home Loan application status?

HDFC Bank Home Loan applicants can check their application status through the official website of HDFC Bank. Existing customers of HDFC Bank can also check their home loan application status through the HDFC Bank mobile app, by visiting the HDFC Bank branch, by contacting HDFC Bank customer care or by giving a missed call at +91-9289200017.

What services are available through the HDFC Home Loan portal?

HDFC Bank Home Loan portal allows home loan borrowers to perform various home loan-related functions like paying their home loans online, fetching their home loan interest certificate, avail the provisional interest statement, reducing their existing interest rate, receiving interest rate or repayment details, etc.

How to prepay HDFC Home Loan?

Borrowers seeking to prepay their home loan from HDFC Bank need to visit the bank branch, send an email to customer.service@hdfc.com or contact the customer care representative for making prepayments.

How can I send an online request for HDFC Bank Home Loan disbursement?

Existing home loan borrowers of HDFC Bank can request disbursement through the official website of HDFC Bank or by sending an email to customer.service@hdfc.com. Borrowers can also visit the HDFC Bank branch to make their disbursement requests.

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