Home Loan Transfer Interest Rates

All rates are benchmarked to Policy Repo Rate. Current applicable Repo Rate = 6.50%

Special Home Loan Rates for Salaried & Self Employed (Professionals & Non-Professionals)
Loan Slab Interest Rates (% p.a.)
For All Loans* Policy Repo Rate + 2.25% to 3.15% = 8.75% to 9.65%
Standard Balance Transfer Loan Rates for Salaried & Self Employed (Professionals & Non-Professionals)
Loan Slab Interest Rates (% p.a.)
For All Loans* Policy Repo Rate + 2.90% to 3.45% = 9.40% to 9.95%

*The above Home Loan interest rates/ EMI are applicable for loans under the Adjustable Rate Home Loan Scheme (Floating Interest Rate) of HDFC Bank And are subject to change at the time of disbursement. The Home Loan interest rates above are linked to HDFC Bank's Repo Rate and are variable throughout the tenor of the loan. All loans are at the sole discretion of HDFC Bank. For further details regarding the loan slabs and interest rates above Click Here


*HDFC BANK does not source any Home Loan business from any Lending Service Providers (LSPs).

Home Loan Balance Transfer Calculators

Home Loan Balance Transfer Documents

For loan approval, you need to submit the following documents for applicant / all co-applicants along with the completed and signed home loan application form.

Home Loan Balance Transfer Housing Charges

Non-Housing Charges for Home Loan Transfer

Eligibility for Housing Loan Transfer

Home loan eligibility is primarily dependent on income and repaying capacity. Other important factors include the customer’s profile, age at loan maturity, age of property at loan maturity, investment and savings history etc. 

Important Factor Criteria
Age 18 - 70 years
Profession Salaried / Self Employed
Nationality Resident Indian
Tenure Up to 30 years

Classification Of Self Employed

Doctor, Lawyer, Chartered Accountant, Architect, Consultant, Engineer, Company Secretary etc. Trader, Commission Agent, Contractor etc.

How does adding a co-applicant benefit? *

  • Higher loan eligibility with an earning co-applicant

*All co-applicants need not be co-owners. But all co-owners need to be co-applicants to the loans. Generally, co-applicants are close family members.


Maximum Funding**
Loans up to and including ₹30 lacs 90% of the property cost
Loans from ₹30.01 lacs to ₹75 lacs 80% of the property cost
Loans above ₹75 lacs 75% of the property cost


**Subject to market value of the property and repayment capacity of the customer, as assessed by HDFC Bank.


Frequently Asked Questions

A home loan balance transfer to HDFC involves moving the outstanding balance of your existing home loan from another bank or financial institution to HDFC Bank.

If a borrower has a consistent repayment record for a minimum of 12 months on an existing home loan with another bank or housing finance institution (HFI), they are eligible to avail a housing loan balance transfer with HDFC Bank. The 12-month regular payment track indicates the borrower's ability to meet their financial obligations, making them eligible for the housing loan balance transfer option provided by HDFC Bank.

The maximum term that a home loan transfer offers is 30 years or till the age of retirement, whichever is lower.

Interest rates applicable on balance transfer loans do not differ from the interest rates of home loans.

The home loan transfer interest rate remains consistent with the prevailing interest rates on regular home loans. In other words, when opting for a housing loan balance transfer from one bank or financial institution to another, including HDFC, the interest rates offered for the transferred loan do not differ from standard home loan interest rates. Thus, borrowers availing a housing loan balance transfer can enjoy the same interest rate structure as those applying for a new home.

Certainly! When opting for a balance transfer loan, you remain eligible for tax benefits on both the principal and interest portions of the loan, in accordance with the provisions of the Income Tax Act, 1961. However, it's crucial to note that the specific benefits may vary from year to year.

Certainly! In addition to facilitating housing loan balance transfer, HDFC Bank offers the option for borrowers to avail an extra top-up loan, allowing them to access funds of up to ₹50 lakhs. This means that beyond transferring the outstanding balance of an existing home loan to HDFC, borrowers have the opportunity to secure additional financial assistance in the form of a top-up loan subject to the valuation of the property. A top-up loan essentially extends the borrowing limit, providing the flexibility to address various financial needs such as home renovations, education expenses, or any other substantial financial requirements. The combined offering of a balance transfer loan and a top-up loan helps the borrowers, in catering to diverse monetary needs within the ambit of a single loan arrangement with HDFC Bank.

You can find a checklist of documents, home loan transfer interest rate, home loan BT process, fees charges for a balance transfer loan on https://www.hdfc.com/checklist#documents-charges

Certainly! HDFC Bank extends the option of a housing loan balance transfer to customers who have purchased an under-construction property. This means that individuals who are in the process of acquiring a property that is still under construction can choose to transfer the outstanding balance of their existing home loan to HDFC.

Rates Offered to Customer during the period Jan'24 to Mar'24
Segment IRR APR
Min Max Avg. Min Max Avg.
HOUSING 8.25 12.75 8.52 8.25 12.75 8.52
NON - HOUSING* 8.35 15.05 9.34 8.35 15.05 9.34

Balance Transfer Benefits

End to end digital process

Home loan approval in 4 simple steps.

Customised Repayment Options

Tailor-made home loans to suit your requirements.

Easy documentation

Apply with minimal documents, save time and effort.

24x7 assistance

Connect with us on Chat, WhatsApp anytime, anywhere

Online loan account

Login to your account to conveniently manage your loan.

Key Features

Transfer your outstanding Home Loan availed from another Bank / Financial Institution to HDFC Bank and get an additional Top Up Loan of up to Rs. 100 lacs.

Attractive interest rates that make your Home Loan affordable and easier on your pocket.

Customized repayment options to suit your needs.

No hidden charges.

Integrated home loan branch network for availing and servicing the loan anywhere in India.

Special arrangement with AGIF for Home Loans for those employed in the Indian Army. To know more, click here.

Repayment Options

Step Up Repayment Facility (SURF)*

SURF offers an option where the repayment schedule is linked to the expected growth in your income. You can avail a higher amount of loan and pay lower EMIs in the initial years. Subsequently, the repayment is accelerated proportionately with the assumed increase in your income.

Flexible Loan Installments Plan (FLIP)*

FLIP offers a customized solution to suit your repayment capacity which is likely to alter during the term of the loan. The loan is structured in such a way that the EMI is higher during the initial years and subsequently decreases in proportion to the income. 

Tranche Based EMI

If you purchase an under construction property you are generally required to service only the interest on the loan amount drawn till the final disbursement of the loan and pay EMIs thereafter. In case you wish to start principal repayment immediately you may opt to tranche the loan and start paying EMIs on the cumulative amounts disbursed. 

Accelerated Repayment Scheme

This option provides you the flexibility to increase the EMIs every year in proportion to the increase in your income which will result in you repaying the loan much faster.

Applicable only to salaried individuals.

Terms & Conditions


Security of the loan would generally be security interest on the property being financed and / or any other collateral / interim security as may be required by HDFC Bank.

Other Conditions

All the information contained herein above is for awareness and customer convenience and is intended to only act as an indicative guide about HDFC Bank’s products and services. For detailed information about our products and services, kindly visit the nearest HDFC Bank branch.

Click here for the Most Important Terms and Conditions pertaining to your loan.

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15 Years

Interest Rate

8.50% p.a.



20 Years


8.50% p.a.



30 Years


8.50% p.a.

For credit score of 800 and above*

* These rates are as on today,

Not sure what's right for you?

"Appreciate the quick service and understanding at HDFC Housing Finance"
- Avinashkumar Rajpurohit,Mumbai

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