🇮🇳 India 🏦 HDFC Bank Last updated2026-05-13

HDFC Bank EMI Calculator 2026 rates.

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Quick answer

HDFC Bank home loan rate starts at 8.45% (typical 8.65%) as of 2026. A ₹50 lakh loan at 8.65% over 20 years = an EMI of approximately ₹43,867/month.

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EMI Calculator

Live

Loan Amount

₹

₹25.00 L

Interest Rate (p.a.)

Tenure (years)

Monthly EMI

₹21,696

/month

Total Interest

₹27.07 L

52% of total

Total Payable

₹52.07 L

over 20 years

Principal vs Interest Split

48% principal

52% interest

✨ Live · For home, personal, auto, education loans · Excludes processing fees

📊 Current rates

HDFC Bank loan rates (May 2026)

🏠 Home Loan

8.45–9.5%

typical: 8.65% p.a.

💵 Personal Loan

10.5–24%

typical: 11% p.a.

🚗 Car Loan

8.85–13.5%

typical: 9.2% p.a.

💳 Processing Fee

0.50% of loan amount (max ₹11,800 for home loans, ₹4,999 for personal loans)

🔁 Prepayment

Zero foreclosure charges on floating-rate home loans for individuals. 2-4% charges on fixed-rate or business loans.

🏦 About HDFC Bank

Why choose HDFC Bank?

HDFC Bank (merged with HDFC Ltd in 2023) is India's largest private-sector lender and historically dominated the home loan market. Post-merger, the home loan book grew to over ₹7 lakh crore. Known for fast disbursal (5-7 days for pre-approved customers) and strong digital application flow.

🎯 Unique angle

Best-in-class digital experience and pre-approved offers for HDFC Bank salary-account holders. Often 5-10 basis points cheaper than smaller banks for repeat customers.

Product highlights

✓ Home loans up to ₹10 crore with 30-year tenure
✓ Personal loans up to ₹40 lakh with same-day approval
✓ Pre-approved offers for HDFC salary account holders
✓ Step-up EMI option for early-career professionals
✓ Top-up loan facility on existing home loans

❓ HDFC Bank FAQ

Common questions.

What is the minimum CIBIL score for HDFC Bank home loan?

HDFC Bank typically requires a CIBIL score of 720 or above for the best home loan rates. Scores between 680-720 may still qualify but at 25-50 bps higher rates. Below 680, approval becomes difficult unless co-applicant has strong credit.

How fast does HDFC Bank disburse a home loan?

For pre-approved HDFC Bank customers with salary account, disbursal can happen in 3-5 working days post property verification. For new customers, the full timeline (application → sanction → disbursal) typically takes 7-15 working days.

Does HDFC Bank charge prepayment penalty?

No. HDFC Bank waives foreclosure charges on all floating-rate home loans taken by individuals (per RBI guidelines). For fixed-rate or business-purpose loans, 2-4% prepayment charges apply.

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