HDFC home loan interest rate is 6.90% p.a. onwards. But the interest rate at which you will get the HDFC housing loan will depend on multiple considerations such as your age, nature of employment, income, gender, credit score and existing liabilities. HDFC home loan rates may also differ as per its home loan products. Below are HDFC housing loan interest rates across its products/schemes:
HDFC Home Loan Promotional Interest Rates
For Salaried & Self Employed Professionals
| Loan Slab | Interest Rates (% p.a.) for Salaried | |
| For Women | For Others | |
| Up to Rs. 30 lakh | 6.90 – 7.40 | 6.95 – 7.45 |
| Rs. 30.01 lakh & Above | 6.95 – 7.45 | 7.05 – 7.55 |
For Self Employed Non Professionals
| Loan Slab | Interest Rates (% p.a.) for Salaried | |
| For Women | For Others | |
| Up to Rs. 30 lakh | 7.05 – 7.55 | 7.10 – 7.60 |
| Rs. 30.01 lakh & Above | 7.10 – 7.60 | 7.15 – 7.65 |
HDFC Home Loan Interest Rates Across Different Loan Schemes
HDFC Ltd. offers housing loans at Adjustable Rate (floating rate) and TruFixed Loan Rate (2 year fixed rate variant).
Rates for HDFC Home Loan/Home Renovation Loan/Home Extension Loan/Balance Transfer
Adjustable Rate (Floating Rate)
For Salaried & Self Employed Professionals
| Loan Slab | Interest Rates (% p.a.) | |
| For Women | For Others | |
| Up to Rs. 30 lakh | 6.95 – 7.45 | 7.00 – 7.50 |
| Rs. 30.01 lakh to Rs. 75 lakh | 7.20 – 7.70 | 7.25 – 7.75 |
| Rs. 75.01 lakh & Above | 7.30 – 7.80 | 7.35 – 7.85 |
For Self Employed Non Professionals
| Loan Slab | Interest Rates (% p.a.) | |
| For Women | For Others | |
| Up to Rs. 30 lakh | 7.10 – 7.60 | 7.15 – 7.65 |
| Rs. 30.01 lakh to Rs. 75 lakh | 7.35 – 7.85 | 7.40 – 7.90 |
| Rs. 75.01 lakh & Above | 7.45 – 7.95 | 7.50 – 8.00 |
TruFixed Loan – 2 Year Fixed Rate Variant
For Salaried & Self Employed Professionals
| Loan Slab | Interest Rates (% p.a.) | |
| For Women | For Others | |
| Up to Rs. 30 lakh | 7.40 – 7.90 | 7.45 – 7.95 |
| Rs. 30.01 lakh to Rs. 75 lakh | 7.55 – 8.05 | 7.60 – 8.10 |
| Rs. 75.01 lakh & Above | 7.65 – 8.15 | 7.70 – 8.20 |
For Self Employed Non Professionals)
| Loan Slab | Interest Rates (% p.a.) | |
| For Women | For Others | |
| Up to Rs. 30 lakh | 7.55 – 8.05 | 7.60 – 8.10 |
| Rs. 30.01 lakh to Rs. 75 lakh | 7.70 – 8.20 | 7.75 – 8.25 |
| Rs. 75.01 lakh & Above | 7.80 – 8.30 | 7.85 – 8.35 |
Know More About HDFC Home Renovation Loan and HDFC Home Extension Loan
HDFC Plot Loan
Adjustable Rate (Floating Rate)
For Salaried & Self Employed Professionals
| Loan Slab | Interest Rates (% p.a.) | |
| For Women | For Others | |
| Up to Rs. 30 lakh | 7.05 – 7.55 | 7.10 – 7.60 |
| Rs. 30.01 lakh to Rs. 75 lakh | 7.30 – 7.80 | 7.35 – 7.85 |
| Rs. 75.01 lakh & Above | 7.40 – 7.90 | 7.45 – 7.95 |
For Self Employed Non Professionals
| Loan Slab | Interest Rates (% p.a.) | |
| For Women | For Others | |
| Up to Rs. 30 lakh | 7.20 – 7.70 | 7.25 – 7.75 |
| Rs. 30.01 lakh to Rs. 75 lakh | 7.45 – 7.95 | 7.50 – 8.00 |
| Rs. 75.01 lakh & Above | 7.55 – 8.05 | 7.60 – 8.10 |
TruFixed Loan – 2 Year Fixed Rate Variant
For Salaried & Self Employed Professionals
| Loan Slab | Interest Rates (% p.a.) | |
| For Women | For Others | |
| Up to Rs. 30 lakh | 7.50 – 8.00 | 7.55 – 8.05 |
| Rs. 30.01 lakh to Rs. 75 lakh | 7.65 – 8.15 | 7.70 – 8.20 |
| Rs. 75.01 lakh & Above | 7.75 – 8.25 | 7.80 – 8.30 |
For Self Employed Non Professionals
| Loan Slab | Interest Rates (% p.a.) | |
| For Women | For Others | |
| Up to Rs. 30 lakh | 7.65 – 8.15 | 7.70 – 8.20 |
| Rs. 30.01 lakh to Rs. 75 lakh | 7.80 – 8.30 | 7.85 – 8.35 |
| Rs. 75.01 lakh & Above | 7.90 – 8.40 | 7.95 – 8.45 |
HDFC Rural Housing Loan
Adjustable Rate (Floating Rate)
| Loan Slab | Interest Rates (% p.a.) | |
| For Women | For Others | |
| Up to Rs. 30 lakh | 6.95 – 8.45 | 7.00 – 8.45 |
| Rs. 30.01 lakh to Rs. 75 lakh | 7.20 – 8.60 | 7.25 – 8.60 |
| Rs. 75.01 lakh & Above | 7.30 – 8.70 | 7.35 – 8.70 |
TruFixed Loan – 2 Year Fixed Rate Variant
| Loan Slab | Interest Rates (% p.a.) | |
| For Women | For Others | |
| Up to Rs. 30 lakh | 7.40 – 8.50 | 7.45 – 8.50 |
| Rs. 30.01 lakh to Rs. 75 lakh | 7.55 – 8.65 | 7.60 – 8.65 |
| Rs. 75.01 lakh & Above | 7.65 – 8.75 | 7.70 – 8.75 |
HDFC Top Up Loans
Adjustable Rate (Floating Rate)
| Loan Slab (Outstanding Home Loan + Top Up) | Interest Rates (% p.a.) |
| Top Up Loan for Existing Customers | 8.30 – 8.80 |
| Loan Slab (New Customer) | Interest Rates (% p.a.) |
| Top Up Loan for Simultaneous Loans | As per Home Loan Slabs |
TruFixed Loan – 2 Year Fixed Rate Variant
| Loan Slab (Outstanding Home Loan + Top Up) | Interest Rates (% p.a.) |
| Top Up Loan for Existing Customers | 8.65 – 9.15 |
| Loan Slab (New Customer) | Interest Rates (% p.a.) |
| Top Up Loan for Simultaneous Loans | As per Home Loan Slabs |
HDFC Reach Home Loan
TruFixed – 3 Years
For Reach Home Loan, Home Improvement Loan and Home Extension Loan
| Loan Slab | Interest Rates (% p.a.) |
| Any loan amount | 8.75 – 14.00 |
For Top Up Loans and Residential Plot Loans
| Loan Slab | Interest Rates (% p.a.) |
| Any loan amount | 9.25 – 14.50 |
HDFC Home Loan Interest Rate FAQs
How can I get provisional interest certificate on my HDFC home loan?
Yes, HDFC Ltd. gives its existing home loan customers the facility to download their provisional interest certificates. Existing HDFC home loan borrowers can log in to the ‘online access module’ on https://online.hdfc.com/inet/ to get their provisional interest certificates.
What are the several factors that influence HDFC home loan interest rate?
The factors that affect your home loan interest rates include your credit score, age, loan amount, type of loan scheme, value of the property, income, total number of dependants, external benchmark rates, existing liabilities, gender and type of employment.
How can I get HDFC home loan at a lower rate of interest?
The following are a few tips that can help you get HDFC home loan at a lower rate of interest:
- Improve and maintain high credit score
- Add a co-applicant that has showcases good credit history, stable employment and good income
- Borrow less by contributing more on home loan down payment
- Adding more assets as security might also help you secure loan at a lower rate
Read Also: Home Loan Prepayment Calculator
Check Top Bank’s Home Loan Rates
