Current HDFC Home Loan Interest Rate 2026
HDFC Bank home loan rates start at 8.70% p.a. The rate is floating and adjusts with market conditions. Compare HDFC against other leading lenders below.
| Bank | Interest Rate (p.a.) | Max Tenure |
|---|---|---|
| SBI | 8.50% onwards | 30 years |
| HDFC Bank ★ | 8.70% onwards | 30 years |
| ICICI Bank | 8.75% onwards | 30 years |
| Axis Bank | 8.75% onwards | 30 years |
Updated April 2026. Rates are indicative — contact your lender for personalised offers.
HDFC Home Loan Features and Eligibility
HDFC Bank offers home loans up to ₹10 Crore with tenures up to 30 years. Key features include fast approvals (often within 24 hours for in-principle sanction), a dedicated relationship manager for premium borrowers, and a doorstep documentation service in major cities. HDFC also offers a step-up EMI option for young professionals expecting income growth, and a Tranche-Based EMI for under-construction properties where you only pay interest on the disbursed amount. Eligible applicants include salaried employees aged 21–65 and self-employed individuals aged 21–70 with stable income and a CIBIL score of 700+.
How to Apply for an HDFC Home Loan
Apply online at the HDFC Bank website, through the HDFC Bank mobile app, or at any HDFC branch. Use the online eligibility check to get an indicative loan amount before applying. Keep your KYC documents, income proof, and property documents ready for upload. HDFC offers an end-to-end digital application process — approval, documentation, and disbursement can all be completed without visiting a branch.