OTP-verified soft check · won’t affect your credit score · DPDP-consented
Move the sliders to see monthly EMI, total interest, and total cost of this loan.
Your actual rate depends on your credit profile, income, and employer category.
Monthly EMI
Total interest
Total payment
Processing fee (1.5%)
Total cost of this loan
✨ interest + processing fee
✓ Best for
Salaried borrowers with 750+ CIBIL — HDFC offers among the fastest sanction in the market with adjustable-rate ARHL pegged to RBI repo.
⚠ Not ideal for
Co-operative society or unapproved-builder properties — HDFC technical underwriting is conservative.
For a ₹30 L loan over 20 yrs at 7.90% — your best-case scenario.
You repay ₹60,22,636 for ₹30,00,000 borrowed.
Customize amount, tenure & rate in the EMI calculator above ↑
This is a floating-rate loan. No prepayment penalty — you can foreclose or pre-pay any amount at any time, free of charge (RBI mandate for floating-rate individual loans).
Largest private-sector bank in India. EBLR linked to RBI repo (5.25%); home loan rack range 7.90–13.20%, personal 9.99–24.00%, XpressCar from 9.40%, business 10.75–22.50%.
Visit HDFC Bank websiteSee how HDFC Bankcompares on rate, fees & eligibility.
State Bank of India
Min salary: ₹25K · CIBIL: 700+ · Salaried · Self-employed · Professional
Kotak Mahindra Bank
Min salary: ₹25K · CIBIL: 720+ · Salaried · Self-employed · Professional
Axis Bank
Min salary: ₹25K · CIBIL: 720+ · Salaried · Self-employed · Professional
Bank of Baroda
Min salary: ₹25K · CIBIL: 700+ · Salaried · Self-employed · Professional
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