HDFC Bank Home Loan For Women

HDFC Bank Home Loan for Women Highlights
Interest rate	7.90% p.a. onwards
Loan amount (LTV Ratio)	Up to 90% of the property’s cost
Repayment tenure	Up to 30 years

Note: Last Updated on 21 August 2025

HDFC Home Loan Interest Rate for Women

HDFC home loan interest rates start from 7.90% p.a. While HDFC Bank has not disclosed the interest rate slab based on the credit score, monthly income, occupation profile, etc. of its loan applicants, lenders usually consider these factors while setting the home loan interest rates of their applicants. In addition, the bank has specified the interest rate for top-up home loans and rural housing home loans, as mentioned below:-

HDFC Bank Top-Up Home Loan Interest Rates

HDFC Bank Top-up Home Loan interest rate starts at 8.15% p.a. While the lender has not specified the interest rate breakdown based on the credit score, repayment history, etc. of its loan applicants, lenders usually consider these factors while setting the top-up home loan interest rates of their applicants.

HDFC Rural Housing Loan Interest Rates

Loan Slab	Interest Rates (p.a.)
For all loan amounts	8.40%-13.20%

Fees and Charges of HDFC Bank Home Loan for Women

Processing Fees

Particulars	Processing Charges
Resident Housing Loan/ Extension/ House Renovation Loan/ Refinance of Housing Loan/ Plot Loans for Housing (Salaried, Self-Employed Professionals)	Up to 0.50% of the loan amount or Rs. 3,300, whichever is higher Minimum Retention Amount: 50% of applicable fees or Rs 3,300, whichever is higher
Resident Housing/ Extension/ Renovation/ Refinance/ Plot Loans for Self-Employed Non-Professionals.	Up to 1.50% of the Loan amount or Rs. 5,000 Minimum Retention Amount: 50% of applicable fees or Rs 5,000, whichever is higher
For NRI Loans	Up to 1.50% of the Loan amount or Rs. 3,300, whichever  is  higher Minimum Retention Amount: 50% of applicable fees or Rs 3,300, whichever is higher
Re-appraisal of the loan after 6 months from date of sanction	Salaried/Self-employed Professional- Up to Rs 3,300 + applicable taxes/ statutory charges For Self-Employed Non-Professionals/ NRI/ Value Plus Loans/ HDFC Reach Scheme – Up to Rs 5,000 + applicable taxes + statutory charges
Value Plus Loans	Up to 1.50% of the Loan amount or Rs. 5,000 Minimum Retention Amount: 50% of applicable fees or Rs 5,000, whichever is higher

Other Charges

Particulars	Charges
Stamp Duty/ MOD/ MOE/ Registration	As applicable in respective states
CERSAI charges	As per actuals
Charges levied by such third parties such as mortgage guarantee company	As per actuals
Delayed instalment payment charges	Up to 18% p.a. on overdue instalment amounts

Types of HDFC Bank Home Loan for Women

HDFC Bank Home Loans

• Purpose: Borrowers can avail HDFC Home Loans for the following purposes:
  • Purchase of flats, bungalows,or  row house in approved projects from private developers
  • Purchase of properties from Development Authorities such as MHADA, DDA, etc.,
  • For property purchase in Co-operative Housing Societies or Apartment Owners’ Associations or Development Authorities Settlement or private homes
  • For construction of home properties on plots allotted by the Development Authority or a freehold/leasehold plot
• Loan tenure: Up to 30 years
• Loan amount: 

Loan slab	LTV Ratio
Up to and including Rs 30 lakh	Up to 90% of the property cost
Rs 30.01 lakh-Rs 75 lakh	Up to 80% of the property cost
Above Rs 75 lakh	Up to 75% of the property cost

HDFC Bank Plot Loan

• Purpose: HDFC Bank offers Plot loan or Land loan for plot purchase through direct allotment. Borrowers can also avail HDFC Plot Loan for purchasing a resale plot and for balance transfer of existing plot loans availed from other banks/NBFCs to HDFC at lower interest rates.
• Tenure: Up to 15 years
• Loan amount: 

Loan slab	LTV Ratio
Up to and including Rs 30 lakh	Up to 80% of the property cost
Rs 30.01 lakh-Rs 75 lakh	Up to 80% of the property cost
Above Rs 75 lakh	Up to 75% of the property cost

HDFC Bank Rural Housing Loans

• Purpose: Agriculturists, dairy farmers, planters and horticulturists can avail HDFC Rural Housing Loans for purchasing under construction, new or existing residential property in rural and urban areas. Borrowers can also avail HDFC Rural Housing Loans for the following purposes:
  • For home construction on freehold/lease hold plot in urban and rural areas
  • For home enhancement such as flooring, tiling, painting, internal and external plaster, etc.
  • For addition in existing house
• Tenure: Up to 30 years
• Loan amount:

Loan slab	LTV Ratio
Up to and including Rs 30 lakh	Up to 80% of the property cost
Rs 30.01 lakh-Rs 75 lakh	Up to 80% of the property cost
Above Rs 75 lakh	Up to 75% of the property cost

HDFC Bank House Renovation Loan

• Purpose: Borrowers can avail HDFC Home Renovation Loans for home enhancement include tiling, flooring, painting, plasters, etc. of existing home
• Tenure: Up to 15 years
• Loan amount for existing customers

Loan slab	LTV Ratio
Up to and including Rs 30 lakh	100% of renovation cost
Rs 30.01 lakh-Rs 75 lakh	100% of renovation cost
Above Rs 75 lakh	100% of renovation cost

• Loan amount for new customers

Loan slab	LTV Ratio
Up to and including Rs 30 lakh	90% of renovation estimate
Rs 30.01 lakh-Rs 75 lakh	80% of renovation estimate
Above Rs 75 lakh	75% of renovation estimate

 

HDFC Bank Home Extension Loan

• Purpose: Borrowers can avail HDFC Home Extension Loans for bearing home extension-related expenses.
• Tenure: Up to 20 years
• Loan amount:

Loan slab	LTV Ratio
Up to and including Rs 30 lakh	90% of construction estimate
Rs 30.01 lakh-Rs 75 lakh	80% of construction estimate
Above Rs 75 lakh	75% of construction estimate

HDFC Bank Top-Up Home Loan

• Purpose: Borrowers can avail HDFC home loan top-up on their existing home loan to meet their personal and professional requirements.
• Tenure: Up to 15 years
• Loan amount:

Up to Rs 75 lakh	Up to 80%
Above Rs 75 lakh	Up to 75%

HDFC Bank Home Loan Balance Transfer

• Purpose: Home loan borrowers can avail HDFC Home Loan Balance Transfer facility for transferring their existing home loans from other banks/HFCs to HDFC at lower interest rates.
• Tenure: Up to 30 years
• Loan amount:

Loan slab	LTV Ratio
Up to and including Rs 30 lakh	Up to 90% of the property cost
Rs 30.01 lakh-Rs 75 lakh	Up to 80% of the property cost
Above Rs 75 lakh	Up to 75% of the property cost

Eligibility Criteria to Avail HDFC Bank Home Loan for Women 

• Age: 18-70 years
• Profession– Salaried/Self-employed Professionals (Doctors, Lawyers, Engineers, CA, architects, consultants, CS) and Self-employed Non-Professionals (Commission agent, contractor, trader)
• Nationality– Indian Resident

Additionally, HDFC home loan eligibility can also be determined based on other factors including credit score, monthly income and EMI/NMI ratio of its home loan applicants.

HDFC Bank Home Loan for Women Documents Required

Identity & Residence

• Mandatory documents – PAN Card of Form 60 if the applicant does not have a PAN Card
• Officially Valid Documents (OVD) for proof of name and address (any one): Passport, Voter ID, Driving License, Aadhaar Card, Job card issued by NREGA duly signed by the officer of the State Government or Letter issued by the National Population Register containing details of name, address

Income Proof For Salaried

• Salary slips for last 3 months ITR and Form 16
• Bank account statement for the past 6 months showing salary credit
• Latest Form-16 and IT returns

Income Proof For Self-Employed

• ITR with income computation for the past 2 assessment years of both individual and business entities (duly attested by a CA)
• Current account statement of business entity for past 12 months and savings account statement of the individuals of both individual and business entity (duly attested by a CA)
• Balance sheet and profit and loss account statement for last 2 years, with schedules and annexures

Property-Related Documents For New Home

• Allotment letter copy/Buyer agreement Payment receipt made to the developer
• Receipt(s) or payment(s) made to the developer

Property-Related Documents For Resale Home

• Title deeds including previous chain of property documents
• Agreement to sell copy
• Initial payment receipt made to the seller

Documents for Construction

• The title deed of the plot
• Copy of the plan approved by local authorities
• No encumbrance proof on the property
• The total estimate of construction by a civil engineer or architect

Other documents For Salaried Applicants

• Proof of own contribution
• Bank Statement for last 6 months with loan repayment record
• Appointment letter/Employment contract if current employment is less than a year old
• Passport-sized photograph with signatures across
• Processing fee cheque in favor of HDFC Ltd.

Other Documents For Self-Employed Applicants

• Business Profile
• Form 26 AS
• Bank Statement for last 6 months with loan repayment record
• Memorandum and Articles of Association of the Company List of shareholders and directors with the individual certified by a CA/CS in case a business entity is a company
• Own contribution proof
• Details of current loans of the individual and business entity, including installments, outstanding amount, purpose, security, balance loan term, etc
• Processing fee cheque favoring HDFC Ltd.
• Passport-size photographs with signatures across

Additional Documents for HDFC Bank Rural Housing Loan 

Income Proof

• Bank Statement for the past 6 months
• Copy of Title Documents of Agricultural Land depicting land holding
• Copy of Title Documents of Agricultural Land depicting crops being cultivated

Other Documents

• Bank statement for last 6 months showing loan repayment record
• Passport-size photographs signed across
• Own contribution proof
• Processing fee cheque in favor of HDFC Ltd.
• Statement of past 2 years of loans availed

Documents for Home Loan Balance Transfer

• A letter from the existing lender on his letterhead mentioning the list of property documents held by them
• Photocopy of property documents, including own contribution proof
• A letter from the existing financial institution on their letterhead showing the latest outstanding balance

Click here to more about HDFC Bank Home Loan Documents