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ValueHigh
VerdictTop Tier
VerifiedYes
Rating4.8/5
124 verified reviews
Executive Summary: The HDFC Bank Home Loan by HDFC Bank is a premium offering featuring 8.75% interest rates. Key benefits include Expert Counseling, Post-Merger Benefits. Most suitable for users seeking Best for middle-income families and...
HDFC Bank
HDFC Bank Home Loan
Data Verified
Last checked: 25 Feb 2026Best for middle-income families and those needing expert property advisory along with finance.
Expert guidance and customized home loan solutions from India's leading private sector bank, offering seamless processing and competitive rates.
Expert CounselingPost-Merger BenefitsReach Loans for Informal IncomeProperty Search ServicesCustomized Tenure
Interest Rate
8.75%
Starts From p.a.
Max Tenure
30 Yrs
360 Months
Loan Amount
to
Up to ₹15 Crore
Value Calculator
AI Powered
₹25,000
MinMax
12
Calculations are indicative based on the product's headline rates. Actual benefits may vary based on spend categories and credit profile.
Monthly EMI
₹2,183
Total interest: ₹1,201
Expert Verdict
"Post-merger HDFC Bank has integrated HDFC's housing expertise with its banking reach. Their "Reach Loans" cater to those with informal income docs, making them more inclusive. Their property advisory is a massive plus for first-time buyers. Verdict: Most reliable private lender for housing."
Key Privileges
EligibilityAge 21-65, Salaried/Self-employed, Resident/NRI
Processing FeeUp to 0.50% of loan amount or ₹3,000 (whichever is higher)
PrepaymentNil for floating rate
Lock-inNone
DocumentationIncome proof, Identity/Address proof, Property papers
Start Application
Applying takes less than 5 minutes. You will need your PAN card and Aadhaar details handy.
Simplified Digital KYC
Instant Approval Check
Zero Physical Documentations
By clicking apply, you will be redirected to the official bank portal. CreditBro may earn a commission on successful approvals.
Eligibility Summary
- Min. Credit Score700+
- Min. Income₹1.8 lakh per annum
- EmploymentSalaried/Self