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Home Loans Interest Rates

HDFC Limited offers low home loan interest rates starting from 8.65*% p.a. This rate of interest is applicable to Home Loans, Balance Transfer Loans, House Renovation and Home Extensions Loans.

HDFC offers an adjustable-rate loan also known as a floating rate loan as well as a trufixed loan in which the interest rate on the home loan remains fixed for a specific tenure (say first two years of the entire loan tenure) after which it converts into an adjustable-rate loan.

Interest Rates

For Salaried


Adjustable Rate Home Loans

Loan Slab Home Loan Interest Rates (% p.a.)
For Credit Score of 800 & Above 8.65
For others 8.75 - 9.35


Adjustable Rate Home Loans

Retail Prime Lending Rate: 18.30%

Loan Slab Home Loan Interest Rates (% p.a.)
For Women* (upto 30 Lakhs) 8.95 - 9.45
For Others* (upto 30 Lakhs) 9.00 - 9.50
For Women* (30.01 Lakhs to 75 Lakhs) 9.20 - 9.70
For Others* (30.01 Lakhs to 75 Lakhs) 9.25 - 9.75
For Women* (75.01 Lakhs & Above) 9.30 - 9.80
For Others*(75.01 Lakhs & Above) 9.35 - 9.85

*The above Home Loan interest rates/ EMI are applicable for loans under the Adjustable Rate Home Loan Scheme of Housing Development Finance Corporation Limited (HDFC) and are subject to change at the time of disbursement. The Home Loan interest rates above are linked to HDFC's Bench Mark Rate ("RPLR") and are variable through out the tenor of the loan. All loans are at the sole discretion of HDFC Ltd. For further details regarding the loan slabs and interest rates above Click Here

Home Loan Interest Rates - FAQs

What is the home loan interest rate?

Home loan interest rate is an amount charged on the principal by a home loan provider to a borrower for the use of the principal amount. Your housing loan interest rate determines your monthly payable EMI against your home loan.

What are the current home loan interest rates?

HDFC is currently offering home loan interest rates starting from 6.70%* p.a. Customers can avail these home loan interest rates along with benefits like a longer loan tenure of up to 30 years, end to end digital solutions, customized repayment options and much more! To calculate your EMI visit To apply now for a home loan visit

What are the different types of interest rates in a home loan?

An HDFC home loan customer can choose between two types of interest rate options while availing a home loan. These are as follows:
Adjustable Rate Home Loan (ARHL): An Adjustable Rate Home Loan is also known as a floating or a variable rate loan. The interest rate in an ARHL is linked to HDFC’s benchmark rate i.e. Retail Prime Lending Rate (RPLR). Any movement in HDFC’s RPLR may effectuate a change in the applicable interest rates.
TruFixed Loan: In a TruFixed loan, the home loan interest rate remains fixed for a specified time period (for eg., for the first 2 or 3 years of the loan tenure) after which it automatically converts to an Adjustable Rate Home Loan with the then applicable interest rates. HDFC currently offers a TruFixed loan where the interest rate is fixed for the first two years of the loan tenure.

What is the lowest home loan interest rate?

The lowest home loan interest rate currently offered by HDFC is 6.70%* p.a.

What are the factors that affect home loan interest rate?

There are 7 main factors that can affect the interest rate on a home loan-

  1.  Interest rate type
  2.  Benchmark Lending Rate
  3.  Loan To Value Ratio
  4.  Financial Profile of the Borrower
  5.  Repayment Tenure
  6.  Location of the Property
  7.  Reputation of the Home Loan Provider