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.
As published by HDFC Bank. Your branch may ask for more.
Best for: Salaried borrowers with 750+ CIBIL — HDFC offers among the fastest sanction in the market with adjustable-rate ARHL pegged to RBI repo.
The upper age limit is set so the loan closes by retirement.
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.
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.