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HDFC Bank NRI Home Loan

HDFC Bank offers home loans to its NRI applicants for purchase or construction of home in India at competitive interest rates. The lender offers NRI home loans at competitive interest rates with flexible repayment tenure. HDFC Bank also offers home loan balance transfer facility to its NRI applicants. Prospective borrowers can also visit Paisabazaar to apply for HDFC Bank NRI home loans.
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Competitive Interest Rates

Starting 7.10% p.a.

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Offers from 25+ Banks & HFCs

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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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How Can I Apply for a Home Loan Online?

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.

Apply Now

HDFC Bank NRI Home Loan Highlights

Interest Rate 7.90% - 13.20% p.a.
Loan Amount Depending on the property value and income
Loan Tenure Up to 15 years
Processing Fee Up to 1.50% of loan amount or Rs. 4,000, whichever is higher

Features of HDFC Bank NRI Home Loan

  • HDFC Bank offers NRI home loans to NRI, PIO and OCI.
  • The lender offers competitive interest rates with flexible repayment tenure of up to 15 years.
  • You can transfer both the principal and interest to the NRE savings account abroad and enjoy tax-free interest on the savings in your account.
  • Loan amount depends on the applicant’s repayment capacity and the property value.
  • No prepayment and foreclosure charges levied on the borrowers.
  • Tax deduction can be claimed for residential property under Section 80C on principal repayment and 24b on interest component.

HDFC Bank NRI Home Loan Interest Rate

HDFC Bank offers home loan interest rates to its NRI applicants starting from 7.90% p.a. The lender has not disclosed its differential interest rates. However, most lenders may factor in the credit score, loan amount, LTV ratio, job profile, loan type and monthly income before setting their home loan interest rates.

Comparison of Home Loan Interest Rates Offered by Top Lenders

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 Bank 7.20%* 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.

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Documents Required for HDFC Bank NRI Home Loans

KYC Documents

Mandatory Documents- Valid passport, PAN card/Form 60, driving license, voter ID, job card issued by NREGA, Letter issued by National Population Register, Aadhar number possession proof, documents issued by Government Department of Foreign Jurisdiction, Letter issued by Foreign Embassy or Mission in India.

Income Documents-

  • Employment contract/Appointment letter/Offer letter
  • Salary slips/salary certificates for past 6 months
  • Bank statement for last 6 months reflecting salary credits and current/savings/NRE & NRO account
  • MOA and AOA
  • ITR, balance sheet and P&L statements alongwith income computation for last 3 years
  • Previous year’s P60 plus transfer letter

Property Documents-

For purchase of new home - Copy of allotment letter, payment receipt in the name of the developer

For purchase of resale home - Title deeds, initial payment receipt made to the seller, sale agreement copy

For Home Construction on a Non-Agricultural Plot - Title deed of plot, no encumbrance proof of the property, copy of plans, construction estimate

How Can I Apply for a Home Loan Online?

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.

Apply Now

Explore Our Home Loan Lenders

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FAQs

What is the interest rate offered to NRI applicants availing home loans from HDFC Bank?

NRI applicants availing home loans from HDFC Bank are offered competitive interest rates based on the credit profile of the applicant.

What maximum home loan amount does HDFC Bank offer to its NRI applicants?

HDFC Bank has not disclosed the maximum loan amount offered to its NRI applicants. However, the lender offers the home loan amount depending on the repayment capacity and property value of the applicant.

What is the tenure for HDFC Bank NRI home loan?

HDFC Bank offers NRI home loans for a tenure of up to 15 years.

Do I get tax benefits on NRI home loan?

Yes, you can avail tax benefits of up to Rs 3.5 lakh on NRI home loans under Section 80C on principal repayment and Section 24b on interest component. 

Can NRIs transfer their existing home loan to HDFC Bank?

Yes, NRIs can transfer their existing home loans to HDFC Bank from other lenders at lower interest rate.

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What our customers say

Time saving process

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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Nidhi SharmaJan 6, 2026

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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