HDFC Bank Home Loan
Interest rates from 7.75% p.a. (up to 9.8%) · EMI from ₹35,821/month on a ₹50L loan over 30 years. Rates as of June 2026.
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About HDFC Bank home loans
India's largest private mortgage lender, offering floating and fixed-then-floating structures.
HDFC home loan EMI table (7.75% p.a.)
Monthly EMI at HDFC's minimum rate. Tap any amount for the full breakdown.
How much interest will a HDFC loan cost?
A ₹50 lakh HDFC home loan at 7.75% over 20 years means about ₹48.51 L in total interest — on top of the ₹50 lakh you borrowed. Prepaying even ₹10,000/month can cut years off the loan and save several lakh in interest.
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Frequently Asked Questions
What is the HDFC Bank home loan interest rate in 2026?
HDFC Bank offers home loans starting at 7.75% p.a., going up to 9.8% p.a. depending on your CIBIL score, loan amount, and income profile. Rates are as of June 2026; confirm the current rate with the lender before applying.
What is the EMI for a ₹50 lakh HDFC home loan?
At 7.75% p.a., a ₹50 lakh HDFC home loan has an EMI of about ₹41,047 for 20 years — roughly ₹35,821 for 30 years and ₹47,064 for 15 years. Use the NestSaver calculator for your exact amount.
What is the processing fee and maximum tenure for a HDFC home loan?
HDFC Bank's processing fee is Up to 0.50% or ₹3,000, whichever higher, with a maximum tenure of 30 years and funding of up to 90% of the property value (loan-to-value).
Is prepayment allowed on a HDFC home loan?
Yes. RBI rules prohibit prepayment penalties on floating-rate home loans, so you can prepay a HDFC home loan partially or fully at any time. The NestSaver prepayment simulator shows exactly how much interest and time you save.
Disclaimer: Interest rates shown are indicative, sourced as of June 2026, and the lowest published floating rate is typically reserved for borrowers with high credit scores. Actual rates depend on your profile, loan amount, and the property, and change frequently. Always confirm the current rate directly with HDFC Bank before applying. NestSaver is an information and planning service, not a lender.