Our Advisors are available 7 days a week, 9:30 am - 6:30 pm to assist you with the best offers or help resolve any queries.
Get instant access to loans, credit cards, and financial tools — all in one place
Competitive Interest Rates
Starting 7.20% p.a.
Handpicked Home Loan Offers
Offers from 25+ Banks & HFCs
Dedicated Customer Support
Expert Assistance at Every Step
Transfer Balance & Get a Top-Up Easily
Additional Funds when Required
15.5L Reviews
Lowest interest rates starting from 7.1%
15.5L Reviews
Competitive Interest Rates
Starting 7.20% p.a.
Handpicked Home Loan Offers
Offers from 25+ Banks & HFCs
Dedicated Customer Support
Expert Assistance at Every Step
Transfer Balance & Get a Top-Up Easily
Additional Funds when Required
Compare & Choose the Best Offer
Curated Offers from Multiple Lenders
Highest Loan Approval Chances
Easy & Transparent Borrowing Process
Get up to ₹5 Crore in 5 Simple Steps
Step 1: Enter your mobile number in the application form.
Step 2: Verify using the OTP sent to your mobile number.
Step 3: Enter details related to your loan requirements.
Step 4: Provide your personal and employment details.
Step 5: Compare offers and apply for the best-suited loan.
| Home Loan Schemes | Interest Rate (p.a.) |
|---|---|
| HDFC Bank Home Loan/Home Renovation Loan/Home Extension Loan/Plot Loan/Home Loan Balance Transfer/Home Extension Loan/Home Loan Top-up | 7.90% - 13.20% |
| Rural Housing Loan | 8.40% - 13.20% |
| Paisabazaar Special Rates | 7.20% p.a. onwards |
HDFC Bank offers two types of home loan interest rate options:
HDFC home loan interest rates are floating in nature. Hence, they are calculated based on the reducing balance method. In this, the interest is calculated only on the outstanding principal and not the original loan amount. Thus, the principal and interest cost reduces with each payment.
| Name of Lender | Interest Rates |
|---|---|
| Axis Bank | 8.00% p.a. |
| Bajaj Housing Finance | 7.15% p.a. |
| Bank of India | 7.10% p.a. |
| Canara Bank | 7.15% p.a. |
| Easy Home Finance | 8.99% p.a. |
| Federal Bank | 8.75% p.a. |
| Godrej Housing Finance | 7.60% p.a. |
| HDFC Sales Pvt. Ltd. | 7.20%* p.a. |
| Home First Finance | 8.00% p.a. |
| ICICI Bank | 7.45% p.a. |
| IDBI Bank | 7.35% p.a. |
| IDFC FIRST Bank | 8.85% p.a. |
| India Shelter Home Loan | 8.43% p.a. |
| Jio Housing Finance | 8.20% p.a. |
| L&T Finance Limited | 7.65%* p.a. |
| Piramal Capital Housing Finance | 9.99% p.a. |
| PNB Housing Finance | 7.50% p.a. |
| Punjab & Sind Bank | 7.30% p.a. |
| Punjab National Bank | 7.20% p.a. |
| RBL Bank | 8.20% p.a. |
| Sammaan Capital (Formerly known as Indiabulls Housing Finance) | 8.75% p.a. |
| Shubham Housing Finance | 10.45% p.a. |
| State Bank of India | 7.25% p.a. |
| Tata Capital Housing Finance | 7.50% p.a. |
*when applied through Paisabazaar
Rates as of 4th February 2026
Get a Home Loan For
Your Dream Home
| Interest Rate (p.a.) | Loan Amount (Rs.) | Loan Tenure (years) | EMI (Rs.) |
|---|---|---|---|
| 7.90% | 10 lakh | 5 | 20,229 |
| 7.90% | 10 lakh | 10 | 12,080 |
| 7.90% | 10 lakh | 15 | 9,499 |
| 7.90% | 10 lakh | 20 | 8,302 |
| 7.90% | 10 lakh | 25 | 7,652 |
| Interest Rate (p.a.) | Loan Amount (Rs.) | Loan Tenure (years) | EMI (Rs.) |
|---|---|---|---|
| 7.90% | 2 lakh | 30 | 1,660 |
| 7.90% | 5 lakh | 30 | 4,151 |
| 7.90% | 10 lakh | 30 | 8,302 |
| 7.90% | 15 lakh | 30 | 12,453 |
| 7.90% | 20 lakh | 30 | 16,605 |
The below-mentioned points can help you get a lower home loan interest rate from HDFC Bank:
A change in the interest rate directly impacts the home loan EMI and the interest cost. As the RBI sets its repo rate, the lenders offering home loans at floating rates adjust their home loan interest rates. An increase in the repo rate increases the interest rate which in turn increases the EMI and the interest cost, provided the loan amount and tenure remains the same.
Get up to ₹5 Crore in 5 Simple Steps
Step 1: Enter your mobile number in the application form.
Step 2: Verify using the OTP sent to your mobile number.
Step 3: Enter details related to your loan requirements.
Step 4: Provide your personal and employment details.
Step 5: Compare offers and apply for the best-suited loan.
Explore Our Home Loan Lenders
HDFC BANK
Axis Bank
Kotak Mahindra Bank
ICICI Bank
Federal Bank
IDFC First Bank
Indusind Bank
RBL Bank
SBI BankGet a Home Loan For
Your Dream Home
Joint Home Loan Benefits
Factors to consider while availing joint home loan
Top 5 Reasons for Home Loans Rejections
Home Loan Overdraft Facility: Benefits and Drawbacks Explained
Home Loan Processing Fees and Charges
Home Loans: Floating vs Fixed Interest Rates
Missed home loan EMI? What will be the consequences?
3 Tips to Help You Close Your Home Loan Early
Loan-to-Value (LTV) Ratio: Meaning, Importance and Calculation
SBI Realty Home Loan: Interest rates, Eligibility, Documents, Fees & Charges
Time saving process
Kam rates pe loan mila
eligibility check ho jati hai free
Home loan mila yaahaan par
Home loan here
Got the best home loan interest rate
Excellent Home Loan Service by Paisabazaar
Had a great experience with Paisabazaar
quick and easy home loan process
Satisfied experience with Paisabazaar
Paisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners
*Applicable for selected customers
Check Handpicked Home Loan Offers
At Affordable Rates
