Home Loan from HDFC Bank

HDFC Bank brings HDFC home loans to your doorstep. Over 3 decades of exclusive experience, a dedicated team of experts and a complete package to meet all your housing finance needs, HDFC Home Loans, help you realize your dream.

The HDFC Advantage

  • Pioneer of Housing Finance in India with over 35 years of lending experience
  • For over 3 decades, shared the hopes and joys of 4.4 million customers who have been nurturing the dream of home ownership
  • Most experienced and empowered personnel to ensure smooth & easy processing
  • Transparent dealing. All charges mentioned upfront while giving you the loan quote. No hidden charges
  • Counseling and advisory services for acquiring a property
  • Loan approval even before a property is selected
  • Loan from any HDFC office for purchase of home anywhere in India
  • Flexible loan repayment options
  • Free & safe document storage

What are the features and benefits of HDFC Home Loans?

  • Home Loan:
  • Home loans for individuals to purchase (fresh / resale) or construct houses. Application can be made individually or jointly.
  • Home Improvement Loan(HIL):
    The interiors of any home reflect the personal preferences and tastes of its owners making it imperative to constantly upgrade to keep up with changing times. HIL facilitates internal and external repairs and other structural improvements like Painting, Waterproofing and Roofing, Plumbing and Electrical Works, Tiling and Flooring, Grills, Aluminum Windows, Compound Walls and much more.
  • Home Extension Loan(HEL):
    HEL for adding more space to your existing home for meeting the requirements of your growing family. Be it an extra bedroom for your children, a reading room for yourself or a cozy coffee corner. It is easy to extend your home anyway you like.
  • Automated Repayment of Home loan EMI:
    You can give us standing instructions to repay your Home Loan EMIs directly from your HDFC Bank Savings Account, thus, saving you the trouble of procuring, signing and tracking post-dated cheques.
  • *Conditions apply. All Home Loans from HDFC Ltd. Credit at sole discretion of HDFC Ltd

What are the features of HDFC Home Loans for farmers and rural areas?

HDFC offers specially designed home loans for:

  - Agriculturists
  - Planters
  - Horticulturists
  - Dairy Farmers

Loans available for:

  • Construction of houses on residential plots
  • Purchase of a new house
  • Renovation & Extension of existing house

Rural Housing Finance Features

  • Special Home Loan Scheme for Agriculturists:
    • Loans for farmers to buy or construct houses/apartments in several of cities and towns of their choice.
    • Home loans in residential areas of Villages
    • Loan eligibility on the basis of agricultural land owned and the kind of corps being cultivated by farmers.
    • No mortgage of agricultural land required for the purpose of home loans.
    • No mandatory requirement of Income Tax Returns from farmers applying for home loans.
  • Rural Housing Finance for Salaried & Self Employed: :
    • Home Loans for Government & Private Sector Employees for rural properties in residential areas.
    • Home Loans for Businessmen, Traders etc. who are filing Income Tax Returns for the last three years for properties in rural residential areas.
    • Home Loans for NRIs also in rural residential areas.


Salaried Customers
Businessmen - Professionals

Application form with photograph
Application form with photograph
Application form with photograph

Identity and Residence Proof
Identity and Residence Proof
Identity and Residence Proof

Last 6 months bank statements
Last 6 months bank statements
Last 6 months bank statements

Processing fee cheque
Processing fee cheque
Processing fee cheque

Income Documents

Copies of Title Documents of Agricultural Land depicting Land holding
Latest Salary Slip
Education Qualifications Certificate and Proof of business

Copies of Title Documents of Agricultural Land depicting crops being cultivated
Form 16
Business Profile and Last 3 years Income Tax returns (self and business)

Statement of last 2 years of loans availed
Last 3 years Profit /Loss and Balance Sheet

Disclaimer: This is an indicative list only. Additional documents may be asked for on a case-to-case basis.
* The house/property should be within area of operations of HDFC Ltd offices.
** All Home Loans from HDFC Ltd. Credit at sole discretion of HDFC Ltd.

What are the changes made in the Home Loan PLR for eCBoP floating rate loans?

Home Loan PLR for eCBoP floating rate loans has been changed since 2008 as follows:

1st July 2008
0.75% +

1st August 2008
0.75% +

1st December 2008
0.50% -

Net Effect 2008
1.00% +
Net Increase of 1.00% has been applied w.e.f 1st December 2008

6th August 2009
0.25% -
Decrease of 0.25% w.e.f September 09 EMI

30th March 2011
0.25 +
Increase of 0.25% w.e.f May'11 EMI

12th July 2011
0.25 +
increase of 0.25% w.e.f Aug'11 EMI


What are the eCBoP Home Loan Interest Rates & Charges?

Enclosed below are HDFC Bank Home Loan Interest Rates & Charges

The eCBoP Home Loan Fees & Charges are as follows:

Note: Effective 31.03.12, foreclosure charges are waived for Floating rate Home loans. For fixed ratehome loans, foreclosure charges are as per schedule below.

Description of Charges
eCbop Home Loan

Foreclosure charges
No prepayments allowed in first 6 months 
6 months - 5 years - 1.5% of original loan amount
5 years -10 years - 0.75% of original loan amount
> 10 years - No closure fee

For Gold Category 
6 months - 5 years - 2% of original loan amount
> 5 years - No closure fee

eBOP customers:
Loan repaid from own sources - no FC charges 
Loan repaid from other sources - regular FC charges.

Charges for late payment of EMI
2% per month

Cheque swapping charges
Rs. 500/-

Bounce Cheque Charges
Rs. 500/-

Duplicate Statement Charges (per statement)

Issue of Duplicate Provisional Interest Certificate
Rs. 300/-

Issue of Duplicate Interest Certificate
Rs. 300/-

Duplicate Balance Certificate
Rs. 300/-

Issue of Amortization Schedule (Duplicate)

Switch from Variable to Fixed
Not Applicable

Switch from Fixed to Variable
Not Applicable

Photocopy of Documents
Rs. 500/-

*Conditions apply. Applicable for customers who apply for the loan on or before April 30, 2015 and avail of their first disbursement on or before May 31, 2015. All Home Loans from HDFC Ltd. Credit at sole discretion of HDFC Ltd.

*Please note that all the above services attract service charges, as applicable.


Have questions?

Are my property documents safe with HDFC Ltd.?

HDFC offers in-house scrutiny of property documents for your complete peace of mind. So be assured that your property documents are in safe hands.

Can I give standing instructions to repay my Home Loan EMIs directly from my HDFC Bank Savings Account?

Yes, you can opt for Automated Repayment and your EMIs will be directly repaid from your HDFC Bank Savings Account, thus saving you the trouble of procuring, signing and tracking post-dated cheques.

Do I have the option to structure my loan as partly fixed or partly floating?

Yes, you can structure your HDFC Ltd. Home Loan as Partly Fixed or Partly Floating as per your needs.

How will HDFC decide my home loan eligibility?

HDFC assess the customer's repayment capacity based on income, age, qualifications, number of dependants, spouse's income, assets, liabilities, stability and continuity of occupation, and savings history.

What is pre-EMI interest?

Pending final disbursement, you pay interest on the portion of the loan disbursed. This interest is called pre-EMI interest. Pre-EMI interest is payable every month from the date of each disbursement up to the date of commencement of EMI.

*Conditions apply. All Home Loans from HDFC Ltd. Credit at sole discretion of HDFC Ltd.


The Housing Development Finance Corporation Limited (HDFC) was amongst the first to receive an ‘in principle’ approval from the Reserve Bank of India (RBI) to set up a bank in the private sector, as part of RBI’s liberalisation of the Indian Banking Industry in 1994. The bank was incorporated in August 1994 in the name of ‘HDFC Bank Limited’, with its registered office in Mumbai, India. HDFC Bank commenced operations as a Scheduled Commercial Bank in January 1995.

HDFC Bank’s mission is to be a World Class Indian Bank. The objective is to build sound customer franchises across distinct businesses so as to be the preferred provider of banking services for target retail and wholesale customer segments, and to achieve healthy growth in profitability, consistent with the bank’s risk appetite. The bank is committed to maintain the highest level of ethical standards, professional integrity, corporate governance and regulatory compliance. HDFC Bank’s business philosophy is based on five core values: Operational Excellence, Customer Focus, Product Leadership, People and Sustainability.



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