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OnePaisa — Smart Finance for India

HDFC Bank Home Loan with a capped ₹3,000 processing fee for salaried and the broad home-loan book HDFC inherited from HDFC Ltd.

At 7.9%, HDFC Bank has one of the lowest starting rates of the 20 lenders we track for home loans.

Documents required

  • PAN Card
  • Aadhaar Card
  • Income proof
  • Property documents
  • Agreement to sell
  • Builder NOC

As published by HDFC Bank. Your branch may ask for more.

Get HDFC Bank Offers →Soft check · won’t affect your credit score
Interest rate7.9 – 13.2% p.a.
Processing fee1.5% (min ₹3,000)
Max amount₹10Cr
Max tenure30 yr
Compare with 20 other lenders →

Best for: Salaried borrowers with 750+ CIBIL — HDFC offers among the fastest sanction in the market with adjustable-rate ARHL pegged to RBI repo.

Check your eligibility ~30 sec · indicative
Estimated EMI · max eligible ~₹31,50,000
₹24,907/mo
Get offers at this amount →
Total cost of this loan ₹30,22,680 · interest + processing fee, ₹30,00,000 over 20 yr at 7.9% · no prepayment penalty
EMI at HDFC Bank’s 7.9% p.a.
₹18L · 15 yr
₹17,098/mo
₹30L · 20 yr
₹24,907/mo
₹48L · 25 yr
₹36,730/mo

Eligibility

At HDFC Bank
Age18 – 70 years
Min salary₹25,000/mo
Min income (self-emp)₹5,00,000/yr
Min credit score750+
Employmentsalaried, self employed, professional
Disbursal7–10 working days post-technical and legal clearance
Typical for home loan
PropertyClear, marketable title — a legal + technical check applies

The upper age limit is set so the loan closes by retirement.

Loan terms

Amount₹5L – ₹10Cr
Tenure5 – 30 years
Rate typefloating
PrepaymentNil
Late payment24% p.a. on overdue (per RBI penal interest cap)
  • Capped processing fee at ₹3,000
  • Top-up on existing loans
  • HDFC Ltd merger — full servicing continuity

Fees & charges

Prepayment / foreclosureNil on floating-rate loans to individuals (RBI rule)
Legal / valuationAt actuals, per lender
Stamp duty & registrationAs per state — outside the loan

Tax: principal up to ₹1.5L under 80C and interest up to ₹2L under 24(b) per year for a self-occupied home (subject to conditions). Confirm with a tax adviser.

FAQ

Most home loans are floating (EBLR/repo-linked). Floating-rate loans to individuals carry no foreclosure charge, so you can prepay freely — usually the better choice unless you specifically need rate certainty.

Every row is date-stamped with the day we last checked it, and links to the lender’s published material so you can confirm it yourself. A row we confirmed against the source reads “Verified”; one we could only sight reads “as of”, and is not presented as confirmed. Anything we have not re-checked in 60 days is marked “rate under review” rather than left to look current. We do not claim a fixed re-checking cycle — the date on each row is the honest answer.

No. Viewing rates is not a credit enquiry and has no score impact. A hard enquiry happens only when you formally apply to a lender.

Related readingSBI Home Loan vs HDFC Home Loan — Rate, Fees & Total Cost in 2026SBI vs HDFC Home Loan: Which Is Better in 2026?HDFC vs SBI Personal Loan — Which is Cheaper in 2026?

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RBI-registered lenders only
RateFrom 7.9% p.a. · HDFC Bank
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