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HDFC Bank Home Loan Processing Fees and Other Charges

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HDFC Bank
Min Loan Amt. ₹15L
Rate of Interest7.2% - 13.2%
Tenure uptoUpto 30 Years
Processing Fee₹ 10,000
ICICI Bank
Min Loan Amt. ₹15L
Rate of Interest7.65% - 9.80%
Tenure uptoUpto 30 Years
Processing Fee₹ 10,000
Axis Bank
Min Loan Amt. ₹30L
Rate of Interest8.35% - 11.90%
Tenure uptoUpto 30 Years
Processing Fee₹ 14,000
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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.

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HDFC Home Loan Processing Fees for Salaried & Self-Employed Professionals

Schemes Processing Fees
Regular Home Loan, Home Extension/Renovation Loan, Refinance of Housing Loan & Plot Loans 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
Top Up Loan Maximum of 1% of the loan amount (Minimum PF of Rs 7,500

HDFC Home Loan Processing Fees for Self-Employed Non Professionals

Schemes Processing Fees
Regular Home Loan, Home Extension/Renovation Loan, Refinance of Housing Loan & Plot Loans Up to 1.50% of the loan amount or Rs 5,000, whichever is higher.
Minimum Retention Amount: 50% of applicable fees or Rs 5,000, whichever is higher
Top Up Loan Maximum of 1% of loan amount (Minimum PF of Rs 7,500)

HDFC Home Loan Processing Fees for NRIs & Other Schemes

Schemes Processing Fees
NRI Home Loans Up to 1.25% 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
HDFC Reach Home Loan Scheme Up to 2.00% of the loan amount
Minimum Retention Amount: 50% of applicable fees or Rs 3,300, whichever is higher

HDFC Home Loan Prepayment Charges

  • Adjustable Rate Loans (ARHL) and Combination Rate Home Loan (“CRHL”) during the period of applicability of the Variable Rate of interest- NIL
  • Fixed Rate Loans (“FRHL”) and Combination Rate Home Loan (“CRHL”) during the period of applicability of the Fixed Rate of interest- NIL when prepaid through own sources of funds; 2% of the prepaid amount when paid through other sources of funds

Also Check: Home Loan Eligibility Calculator

HDFC Home Loan Conversion Charges

Particulars Charges
Switch to Lower Rate in Variable rate Loans (Housing/Extension/Renovation) Upto 0.50% of the Principal Outstanding and undisbursed amount (if any) at the time of Conversion or Rs 3,000 (which ever is lower)
Switch from Combination Rate home loan under fixed rate term / fixed rate loan to Variable rate Upto 1.50% of the Principal Outstanding and Undisbursed amount (if any)+ applicable taxes / statutory levies at the time of conversion
Conversion of ROI from floating to fixed (who have availed EMI based floating rate Personal Loans ) Upto Rs 3,000 + applicable taxes / statutory levies.

HDFC Home Loan Other Charges

  • Fees On Account of External Opinion

Fees on account of external opinion from technical valuers or advocates will be paid on an actual basis to the concerned advocate and technical valuer

  • Property Insurance

In order to maintain the policy or policies effective at all times during the pendency of the loan, the customer is required to pay the premium amounts directly to the insurance provider, promptly, and on a regular basis.

  • Late payment fee

Late payment of interest or EMI will result in an additional interest of up to 24% p.a.

  • Incidental Charges

Incidental charges and expenses are levied to cover the costs, expenses, and other charges that may have been spent in connection with recovery of dues from a defaulting customer. Customers can get the copy of the policy from the relevant branch on request.

  • Statutory / Regulatory Charges

The customer is solely responsible for paying applicable charges on account of MOD/Stamp Duty/MOE/Central Registry of Securitisation Asset Reconstruction and Security Interest of India (CERSAI) or such other statutory or regulatory bodies

  • Other Charges
Type Charges
Check Dishonour Charges Rs 300
List of documents Up to Rs 500
Photo Copy of documents Up to Rs 500
PDC Swap Up to Rs 500
Disbursement Cheque Cancellation Charge Post Disbursement Up to Rs 500
Re-Appraisal Of Loan After 6 Months From Sanction Up to Rs 2,000 plus applicable taxes

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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.

Apply Now

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FAQs

HDFC Bank Limited charges a processing fee of up to 0.50% of the total home loan amount from salaried and self-employed applicants, with a minimum fee of Rs 3,300. For self-employed non-professional applicants, the processing fee is up to 1.50% of the home loan amount, with a minimum fee of Rs 5,000. For NRI applicants, the processing fee is up to 1.25% of the loan amount with a minimum fee of Rs. 3,300.

Applicants are required to pay a processing fee at the time of submitting an HDFC home loan application.

HDFC Bank does not levy prepayment charges on home loans at floating interest rates. In the case of fixed interest rates, prepayment charges of up to 2% of the loan amount are charged, except when prepayments are made through own sources.

MOD charges in HDFC home loans vary according to the applicable rates in the respective states.

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What our customers say

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Office ke chalte jyada samay nahi nikal pata tha. Paisabazaar ke online process ki wajah se na hi mene banks ke rates compare karliye ghar bathe balki mera loan application aur disbursal bhi ghar bathe hi ho gaya...bank jana hi nahi pada...

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Pradeep SinghJan 7, 2026

Kam rates pe loan mila

Paisabazaar se mujhe bahut kam rate pe loan mil gaya...isse mere budget pe jada asar nahi pada aur jald hi mera apna ghar ho jayega..

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eligibility check ho jati hai free

me home loan lene ka soch raha tha uske liye mene pehle paisabazaar app se free me apni eligibility check ki..usse mujhe pata chala muje kya cheeze improve karni hai aur fir mera loan jaldi approve ho gaya.

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Shikhar SahuJan 5, 2026

Home loan mila yaahaan par

Mujhe home loan chahiye tha aur yahaan par sahayta kiya inhone aur loan mila. Pehla loan tha mera lekin sab ache se ho gaya.

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Prem Prakash PandeyDec 7, 2025

Home loan here

I took home loan here and they helped me in every step specially in collecting and submitting documents at the time of approval.

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Chandan SinghDec 1, 2025

Got the best home loan interest rate

I was confused and did not have so much time to carry out all the research, so I logged in to Paisabazaar’s portal and was able to see the home loan options I was eligible for. With the assistance of Paisabazaar’s experts, I was able to find the home loan that offered the rate of interest I could afford. Thank you Paisabazaar!

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Anu BhatnagarSep 10, 2021

Excellent Home Loan Service by Paisabazaar

Ended up taking an ICICI Home Loan and I think it was one of the best decisions I ever made. I thank Paisabazaar for helping me out and answering my questions with so much patience.

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KJ ThomasSep 10, 2021

Had a great experience with Paisabazaar

I have always heard my friends talking about how tedious it was for them to avail a home loan and decide the most suitable option. But with the help of Paisabazaar, I was able to compare several home loans and opt for the one that suited my needs. I am happy that I considered Paisabazaar for helping me.

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Ritesh SharmaSep 10, 2021

quick and easy home loan process

I had never thought that applying for a home loan could be so easy. The entire process was online and I didn’t have to go anywhere for application or documentation of my home loan. Paisabazaar experts helped me navigate through the process and later the bank collected my documents and everything was quick and seamless.

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Rupanjali MishraSep 3, 2021

Satisfied experience with Paisabazaar

I am satisfied with my home loan experience with Paisabazaar. I could easily compare different home loan options and apply for the home loan. Their customer care team also called me to confirm all the details and soon after the bank contacted to take the process forward. The process was really smooth.

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Soumil KhannaSep 3, 2021
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