Please Note: DHFL is not a Paisabazaar partner. Offers would be from partner banks/NBFCs only.
DHFL Home Loan Interest Rate & Other Details 2022 | |
Interest Rate | 8.75% onwards |
Loan-to-Value Ratio | Up to 90% of Property Value |
Loan Tenure | Up to 30 years |
Processing Charges | Salaried/Self Employed Professional – 0.5% of loan amount (Min. Rs. 2,500) Self Employed Non Professional – Net PAT: 0.5%, Others: 1.0% of loan amount |
Note: The figures given in the table are indicative and subject to change as per any change in the loan scheme offered by DHFL or the RBI policy, without prior information.
Table of Contents |
DHFL Home Loan Interest Rates
Current DHFL home loan interest rate starts from 8.75% p.a. DHFL home loan loan interest rate is linked to Retail Prime Lending Rate (RPLR). Variation in the RPLR will direclty affect the DHFL home loan rates.
Compare Interest Rates on Housing Loans for Top Banks and /HFCs
Name of Lender | Up to Rs. 30 Lakh | Above Rs. 30 Lakh to Rs. 75 Lakh | Above Rs. 75 Lakh |
SBI | 7.55% - 8.55% | 7.55% - 8.55% | 7.55% - 8.55% |
HDFC | 8.10% - 9.50% | 8.35% - 9.75% | 8.45% - 9.85% |
LIC Housing Finance | 7.50% - 8.60% | 7.50% - 8.80% | 7.50% - 9.00% |
ICICI Bank | 8.10% - 9.00% | 8.10% - 9.00% | 8.10% - 9.10% |
Kotak Mahindra Bank | 7.99% onwards | 7.99% onwards | 7.99% onwards |
PNB Housing Finance | 7.50% - 16.75% | 7.50% - 16.75% | 7.60% - 10.70% |
Punjab National Bank | 7.95% - 9.35% | 7.90% - 9.05% | 7.90% - 9.00% |
Bank of Baroda | 7.95% - 9.45% | 7.95% - 9.45% | 7.95% - 9.70% |
Union Bank of India | 7.90% - 9.65% | 7.90% - 9.85% | 7.90% - 9.85% |
IDFC First Bank | 7.95% onwards | 7.95% onwards | 7.95% onwards |
L&T Housing Finance | 7.70% - 8.70% | 7.70% - 8.70% | 7.70% - 8.70% |
Bajaj Housing Finance | 7.70% onwards | 7.70% onwards | 7.70% onwards |
Godrej Housing Finance | 7.94% - 10.99% | 7.94% - 10.99% | 7.94% - 10.99% |
Tata Capital | 7.75% onwards | 7.75% onwards | 7.75% onwards |
Federal Bank | 9.05% - 9.10% | 9.10-9.15% | 9.10% - 9.20% |

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DHFL Home Loan Processing Fees & Other Charges
Particulars | Applicable charges |
CERSAI Registry / Modification Charges | For loans up to Rs. 5 Lakh – Rs. 50 For loans above Rs. 5 Lakh – Rs. 100 |
Technical Fees (for additional property or property situated outside geographic limit or for pre technical) | Within 60 km radius – No charges Beyond 60 km – Rs. 500 (for the first visit) and Rs. 750 (for subsequent visits) |
Valuation fee in Construction Linked Loan cases | First visit – No charges Subsequent visits – Rs. 500 |
Part-Prepayment Charges | Within 6 months from 1st disbursement: No prepayment allowed After 6 months: No Charges (for individual borrowers/co-borrowers) 2% (for borrowers/co-borrowers other than individuals) Plot Loans/Easy Land Cum Construction Loans For borrower/co-borrower other than individual – 3% (in case the dwelling unit is not constructed on the plot within 3 yrs. from the date of the first disbursement of the loan) |
Foreclosure charges | Within 6 months from 1st disbursement: No foreclosure allowed After 6 months: No Charges (for individual borrowers/co-borrowers) 2% (for borrowers/co-borrowers other than an individual) |
Overdue Charges on default installment (EMI/Pre-EMI) | 18% p.a. on the outstanding amount |
Demand Draft/Pay Order issuance charges | Rs. 150/lakh or actual bank charges, whichever is higher |
Statement of account/ provisional IT certificates | 1st – No charges Subsequent – Rs. 250 |
Custodial Fee for property documents in closed loans | Rs. 500 per month (post 60 days from Loan Closure Date) |
Document retrieval charges on the closure of loan | For loans up to Rs. 10 Lakh – Rs. 1,000 For loans above Rs. 10 Lakh – Rs. 2,000 |
Foreclosure statement | Rs. 500 |
Note: Goods and Services Tax (GST) will be applicable on the above charges.
DHFL Home Loan Schemes
1. DHFL Home Loan
DHFL offers a New Home Loan scheme to purchase ready built-up or under construction house/flat or resale property.
Loan Amount | Up to 90% of the property value |
Interest Rate | 8.75% onwards |
Loan Tenure | Up to 30 years |
2. DHFL Plot Loan
DHLF Plot Loan can be availed to buy a piece of land on which the purchaser can build his/her home.
Loan Amount | Up to 75% of the property value |
Interest Rate | 10.25% onwards |
Loan Tenure | Up to 20 years |
3. DHFL Home Construction Loan
Home Construction Loan from DHLF helps customers to construct homes on an already purchased plot.
Loan Amount | Up to 100% of the construction estimate, subject to a maximum of 90% of its market value, whichever is lower |
Interest Rate | 8.75% onwards |
Loan Tenure | Up to 20 years |
4. DHFL Home Extension Loan
Add additional space to your existing home with DHFL Home Extension Loans.
Loan Amount | Up to 100% of the extension estimate is subject to a maximum of 90% of its market value, whichever is lower |
Interest Rate | 8.75% onwards |
Loan Tenure | Up to 20 years |
5. DHFL Home Renovation Loan
Whenever you feel the requirement of renovating your home and giving your home an all-new look and feel, you can avail of DHFL Renovation Loan for the money.
Loan Amount | Up to 100% of the improvement estimate is subject to a maximum of 90% of its market value, whichever is lower |
Interest Rate | 8.75% onwards |
Loan Tenure | Up to 10 years |
6. DHFL Plot & Construction Loan
Avail plot and construction loan facility to buy a plot of land and build a home on it.
Loan Amount | Depends on the repayment ability of the applicant |
Interest Rate | 8.75% onwards |
Loan Tenure | Up to 30 years |
7. DHFL NRI Loan
If you are an NRI and live abroad but want to own a home in India without any financial constraints, you can opt for a DHFL NRI Home Loan. DHFL provides NRI Home Loans at an attractive interest rate along with plenty of other benefits to match your financial requirements. The housing loan is available for NRIs from different countries like UAE, UK, and USA. The housing loan can be taken for a range of needs, such as the purchase of a home, renovation or expansion of your existing home, or purchase of a plot of land to build a home.
The applicable DHFL NRI home loan interest rate, loan tenure, and loan amount differ from one case to another and depend on various factors, such as the applicant’s repayment capacity and property value.
8. Pradhan Mantri Awas Yojana – Credit Linked Subsidy Scheme (PMAY CLSS)
Pradhan Mantri Awas Yojana – Credit Linked Subsidy (PMAY-CLSS) is a special initiative by the Indian Government which aims to fulfill the dream of every first-time buyer in India. Under PMAY, the Government of India offers affordable home loans for economically weaker sections, low-income groups, and middle-income groups. Those who are buying a home for the first time and don’t own a pucca residential house can get benefits under this special scheme. For more details on the scheme.
DHFL Home Loan Eligibility Criteria
The eligibility criteria to apply for DHFL home loan is given as follows:
- The applicant must be an Indian resident or a Non-Resident Indian (NRI)
- The age of the applicant must be 21 years – 65 years of age
- Both salaried and self-employed (businessman or professional) can apply for DHFL home loans
Documents Required for DHFL Home Loan
Following documents are required for DHFL home loan approval;
- KYC Documents: ID & Address Proof (Any One Required)
- Aadhaar card
- PAN card (Mandatory, if income is considered for loan eligibility calculation)
- Valid Passport
- Voter ID card
- Driving License
- Utility Bill: Electricity, Telephone, Postpaid mobile, water bill, etc.
- Ration card
- Letter from employer
- Bank statement /copy of Passbook reflecting address
- Valid Rent Agreement
- Sale Deed
- Income Documents
- For Salaried Individuals
- Salary slips for the last 2 months or salary certificate (*If variable components like over time and incentives are reflected, then salary slips for the past 6 months are required.)
- Cash Salary – Income details on Company Letterhead
- Copy of bank statements for the past 3 months (salary account)
- For Self Employed Professionals
- Certificate of qualification for professionals: CA, doctors, or architects
- Copy of last two years’ income tax returns, along with computation of income
- Copy of last two years’ P/L account with all schedules and audited balance sheet, wherever applicable
- VAT or Service Tax returns or TDS Certificate
- Bank statement for the last 6 months (Savings account, current account, and O/D account)
- For Self Employed Non-Professionals
- Copy of your last two years’ income tax returns, along with computation of income
- Copy of last two years’ P/L account with all schedules and audited balance sheet, wherever applicable
- VAT or Service Tax returns or TDS Certificate
- Bank statement for the last 6 months (Savings account, current account, or an O/D account)
- For Salaried Individuals
- Property Documents
- Allotment letter from builder
- Agreement of Sale
- Registration and stamp duty receipt
- Index- ii
- NOC form builder
- Own Contribution Receipt (OCR)
- All builder linked documents (Applicable for cases that are not approved or previously not funded by DHFL)
- Development Agreement
- Tripartite Agreement
- Partnership Deed
- Sale Deed
- Title Search Report
- NA order
Note: Original documents are required for verification purpose only.
DHFL Home Loan EMI Calculator
Monthly EMI ₹ 15,622
Total Amount Payble ₹ 5,62,395(Principal + interest)
Principal Amount ₹ 5,00,000
Total Interest Payble ₹ 62,395

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DHFL Home Loan Customer Care
Get your DHFL home loan-related queries resolved through:
DHFL Home Loan Toll-free Customer Care Number
1800 22 3435 (For New Customers)
1800 3000 1919 (For Existing Customers)
DHFL Home Loan Customer Care Email ID
response@dhfl.com
DHFL Home Loan Customer Care SMS Service
SMS: DHFL to 56677

Reduce Your Home Loan EMI with Balance Transfer View Offers
DHFL Home Loan FAQs
How to reduce home loan interest rate in DHFL?
Following are the ways to reduce DHFL Home Loan interest rate:
- Increase EMI while keeping the tenure constant
- Pay off a part of your home loan
- Transfer outstanding loan to another lender offering lower rates
How to check DHFL home loan status?
To check your DHFL home loan status,
- Go to the ‘Loan Tracker’ page
- Choose whether you want to search by ‘Application Number’ or ‘Lead ID’
- As per the option selected, provide details
- Provide your Date of Birth
- Click on the ‘Submit’ button to get the details
How much time does it take for home loan application approval?
For home loan application approval, it takes around 3-15 days, subject to proper documentation provided by the home loan applicant.