Maximum loan amount: No upper limit (subject to eligibility)
Tenure: Up to 30 years
Processing fee: Up to 0.50% of loan (or Rs 3,000 minimum)
Approval in as fast as 24 hours for pre-qualified customers
Available for: salaried, self-employed, NRI applicants
HDFC Bank Home Loan Interest Rates 2026
CIBIL Score
Salaried Rate
Self-Employed Rate
Women Borrower
800 and above
8.70%
8.75%
8.65%
750–799
8.70%–8.95%
8.80%–9.00%
8.65%+
700–749
9.00%–9.50%
9.10%–9.60%
8.95%+
Below 700
Case by case
Case by case
Case by case
💡 HDFC Bank home loan rates are floating and linked to its Retail Prime Lending Rate (RPLR). Rate changes depend on HDFC's internal rate review and RBI repo rate movements. Always confirm the current rate at your nearest HDFC branch or on their website before applying.
HDFC Bank home loan interest rate starts at 8.70% p.a. for salaried applicants with CIBIL score of 750 and above, as of May 2026. Women borrowers may get a small concession. Rates are floating and linked to HDFC's RPLR. The exact rate you get depends on your CIBIL score, loan amount, tenure, and employment type. Always confirm the rate in writing from HDFC before accepting the loan offer.
It depends on what matters most to you. SBI offers a lower starting rate (8.50% vs 8.70%) and more special schemes like MaxGain and Flexipay. HDFC is faster (3-5 days vs 7-15 days for SBI) and has a better digital process. For the lowest rate, SBI is generally better. For speed and convenience, HDFC is preferable. On a Rs 50 lakh loan for 20 years, SBI's lower rate saves approximately Rs 1.5-2 lakh in total interest. See our detailed SBI vs HDFC comparison for numbers.
HDFC Bank requires a minimum net monthly salary of Rs 10,000 for home loan eligibility, though this varies by city. In metro cities like Mumbai, Delhi, and Bengaluru, the practical minimum is higher (Rs 20,000-25,000) because property prices and loan amounts are larger. Self-employed applicants need to show stable income for at least 3 years with ITR documentation.
No. HDFC Bank does not charge any prepayment or foreclosure penalty on floating-rate home loans. You can make partial prepayments or close the loan fully at any time without extra charges. This is in line with RBI guidelines. If you opt for a fixed-rate HDFC home loan, prepayment charges may apply. Most HDFC home loans are floating rate.
HDFC Bank is one of the faster lenders for home loans. For pre-qualified existing HDFC customers, approval can happen in 24-48 hours. For new applicants with complete documents, the typical timeline is 3-5 working days for sanction. Property legal verification and technical valuation are done in parallel with credit assessment. Disbursement after sanction typically takes 2-3 more days for ready properties.
⚠️ Disclaimer: All rates and information are indicative and sourced from publicly available bank websites as of May 2026. Rates are subject to change. FinMandi is an independent information platform, not a bank, NBFC, or registered investment adviser. Always verify directly with the bank before applying.