HDFC Bank Home Loan Interest Rate — 16th September 2026

Private sector bank

The lowest home loan interest rate HDFC Bank publishes is 7.75%, and its range runs to 13.20%. We read HDFC Bank’s rate page on 16 September 2026; this page reproduces what it says, explains the parts that matter, and turns the rates into EMIs you can plan around.

Starting rate

7.75%

Top of published range

13.20%

Benchmark

Repo 5.25%

Effective from

Not published

Read from HDFC Bank’s own website on 16 September 2026. Source and method

HDFC Bank home loan interest rate card

One slab for all loans

Applies toPricingRate
All loan amounts — salaried and self-employed Repo + 2.50% to Repo + 7.95% 7.75% – 13.20%

The same range covers home loans, balance transfers, house renovation and home extension loans.

What HDFC Bank’s interest rate card tells you

HDFC Bank quotes a single range for everyone — salaried or self-employed, any loan size: repo plus 2.50% to repo plus 7.95%, which works out to 7.75% to 13.20% today. That 5.45% spread is second only to IndusInd’s among the private banks we track, and HDFC doesn’t publish what places you within it, so the floor tells you little on its own. The same range covers balance transfers, renovation and home extension loans. A transfer from another lender isn’t priced differently on paper, which is exactly why you should ask for your spread over repo in writing and compare that figure.

Its floor puts HDFC Bank joint 22nd out of 48 lenders on our list, and joint 8th among the 19 private banks. Measured against the RBI repo rate of 5.25%, HDFC Bank’s floor carries a spread of 2.50 points. That range isn’t academic: on ₹40 lakh for 20 years it’s the difference between ₹32,838 and ₹47,434 a month.

EMI at HDFC Bank’s home loan interest rate

What HDFC Bank’s 7.75% starting rate costs each month on common loan sizes. Treat these as the lowest EMI HDFC Bank would charge, not the likely one.

Loan amount 10 years15 years20 years25 years 20 yrs at 13.20%
₹35 lakh ₹42,004₹32,945₹28,733₹26,437 ₹41,505
₹50 lakh ₹60,005₹47,064₹41,047₹37,766 ₹59,293
₹70 lakh ₹84,007₹65,889₹57,466₹52,873 ₹83,010
₹1 crore ₹1,20,011₹94,128₹82,095₹75,533 ₹1,18,585

Reducing-balance EMI, before processing fees and insurance. Run your own numbers →

HDFC Bank against lenders priced nearby

The four lenders whose published starting rates sit closest to HDFC Bank’s, with the EMI each floor produces on ₹40 lakh over 20 years.

Lender Published rate EMI, ₹40 lakh / 20 yrs vs HDFC Bank
Kotak Mahindra Bank Private sector bank 7.60% onwards ₹32,469 −₹369/mo
HDFC Bank Private sector bank 7.75% – 13.20% ₹32,838 —
IDFC FIRST Bank Private sector bank 7.75% onwards ₹32,838 same
Aditya Birla Housing Finance Housing finance company 7.75% onwards ₹32,838 same
Tamilnad Mercantile Bank Private sector bank 7.90% – 9.30% ₹33,209 +₹371/mo
All 48 lenders → Filter and compare → Lowest rates →

How to land near the bottom of HDFC Bank’s range

  • Ask HDFC Bank to state your spread over the repo rate as well as your rate. On a range this wide, the spread is what tells you whether you’ve been priced near the bottom.
  • A single published range leaves the placement to the lender, so ask for your rate in writing and ask what would move it lower — a larger down payment, a co-applicant, a salary account.
  • Whatever rate you’re offered, ask for it in writing with the benchmark and the spread shown separately — it’s the only way to know what happens to your EMI when the benchmark next moves.

What a HDFC Bank home loan costs beyond interest

Processing fee Up to 0.50% of the loan amount or ₹4,000, whichever is higher, plus taxes, for salaried and self-employed professionals. Other self-employed borrowers: up to 1.50% or ₹5,000. Non-refundable. On a ₹40 lakh loan for a salaried borrower, that comes to at most ₹20,000, before GST.
Prepayment and foreclosure None on floating-rate home loans to individuals, for part or full prepayment from any source.
Administrative charges Up to ₹5,000 plus taxes
Delayed payment Up to 24% a year on the overdue amount

HDFC’s documents-and-charges page gives the minimum as ₹3,000 rather than ₹4,000 — check the figure on your sanction letter.

Source: HDFC Bank’s own schedule of charges, read on 16 September 2026: https://homeloans.hdfc.bank.in/housing-loans/home-loans

Who HDFC Bank lends to

Who can apply Salaried and self-employed individuals, including NRIs.
Age Minimum 21
Longest term 30 years
Minimum income Salary of at least ₹10,000 a month, or business income of ₹2 lakh a year

Source: HDFC Bank’s home loan page, read on 16 September 2026. Meeting these criteria doesn’t guarantee approval. https://homeloans.hdfc.bank.in/home-loan-eligibility-calculator

HDFC Bank home loan interest rate — common questions

What home loan interest rate does HDFC Bank charge?
As of 16 September 2026, HDFC Bank’s own rate page quotes 7.75% at the low end and 13.20% at the top. No effective date is given. Where you land depends on your application.
How much does HDFC Bank charge to process a home loan?
Up to 0.50% of the loan amount or ₹4,000, whichever is higher, plus taxes, for salaried and self-employed professionals. Other self-employed borrowers: up to 1.50% or ₹5,000. Non-refundable. On a ₹40 lakh loan for a salaried borrower, that comes to at most ₹20,000, before GST. HDFC’s documents-and-charges page gives the minimum as ₹3,000 rather than ₹4,000 — check the figure on your sanction letter.
How long can a HDFC Bank home loan run?
HDFC Bank publishes a maximum term of 30 years, with an age condition of minimum 21. On ₹40 lakh at 7.75%, stretching to the full term costs ₹28,656 a month, against ₹37,651 over 15 years.
What decides where I fall in HDFC Bank’s 7.75%–13.20% range?
HDFC Bank doesn’t publish that. Its card gives one range for the loans it covers, without a grid by credit score or loan size, so your placement is decided when HDFC Bank assesses your application. Ask for your rate in writing before comparing.
How much is the monthly EMI on ₹40 lakh at HDFC Bank?
At 7.75%, ₹40 lakh costs ₹32,838 a month over 20 years, or ₹37,651 over 15 years. At the top of HDFC Bank’s range, 13.20%, the 20-year EMI is ₹47,434.
Is the HDFC Bank home loan interest rate floating or fixed?
The home loan interest rate HDFC Bank publishes is floating. HDFC Bank quotes its home loan rates against the RBI repo rate, currently 5.25% (repo + 2.50% to repo + 7.95%). When the benchmark moves, floating rates linked to it move with it; the spread HDFC Bank adds for your profile generally stays the same.
How does HDFC Bank compare with IDFC FIRST Bank?
IDFC FIRST Bank publishes home loans from 7.75%, against 7.75% at HDFC Bank — the same starting rate. Starting rates alone won’t separate them. Compare the full rate cards and get a written quote from each before deciding.

Where these figures come from

Source: HDFC Bank’s own interest rate page, read by BankCreds on 16 September 2026: https://homeloans.hdfc.bank.in/checklist/home-loan-interest-rates

HDFC Bank publishes no effective date for this rate, so we don’t show one.

We began recording HDFC Bank’s home loan rates on 16 September 2026, and any change will be logged against that date as we detect it. Fees and eligibility come from HDFC Bank’s own schedule of charges and home loan pages, with the full address printed in those sections — never from third-party sites.

Rates are what HDFC Bank publishes, not an offer: the rate you’re quoted is set by HDFC Bank after it assesses your application. How we collect and check rates →

Disclaimer: BankCreds.com is a loan comparison platform and does not directly lend, disburse, or provide any financial products. We aggregate and display loan offers from RBI-registered banks and NBFCs to help you make an informed decision. All loan applications are processed directly by the respective lender. Interest rates, charges, eligibility, and terms shown are indicative and subject to the lender's final assessment. Please read the lender's terms and conditions carefully before applying.