HDFC Bank Home Loan Interest Rates in Chennai

HDFC Bank offers attractive home loan interest rates starting from 8.55%* p.a. We also offer Trufixed loans wherein the interest rate remains fixed for a specific period, after which it automatically converts to an adjustable-rate loan.

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 + 2.05% to 2.60% = 8.55% to 9.10%
Standard Home Loan Rates for Salaried & Self Employed (Professionals & Non-Professionals)
Loan Slab Interest Rates (% p.a.)
For All Loans* Policy Repo Rate + 2.40% to 3.10% = 8.90% to 9.60%

*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 through out 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 Calculators

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HDFC Bank Home Loan Offices

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Key Features

Home Loans for purchase of a flat, row house, bungalow from private developers in approved projects.

Home Loans for purchase of properties from Development Authorities such as DDA, MHADA etc.

Loans for purchase of properties in an existing Co-operative Housing Society or Apartment Owners' Association or Development Authorities settlements or privately built up homes

Loans for construction on a freehold / lease hold plot or on a plot allotted by a Development Authority.

Expert legal and technical counselling to help you make the right home buying decision.

Integrated branch network for availing and servicing the Home Loans anywhere in India

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

The Pradhan Mantri Awas Yojana (PMAY) (URBAN)-Housing for All was a mission that was launched by the Government of India with the aim of boosting home ownership. It aimed at achieving ‘Housing for All’ by the year 2022

Eligibility Criteria for a Home Loan in Chennai

To avail a home loan in Chennai, given below is the eligibility criteria -

Important Factor Criteria
Age 21-65 years
Profession Salaried / Self Employed
Nationality Resident Indian
Tenure Up to 30 years

Classification of Self Employed

Minimum Salary: Income of the Salaried individual should be minimum ₹10,000/month

Minimum Business Income: Income of the Self-employed individual should be minimum ₹2,00,000/annum

How to Apply for a Home Loan Online in Chennai

You can avail a HDFC Bank home loan in Chennai in 4 easy steps:

Step 1

Sign Up / Register

Step 2

Fill in the home loan application form

Step 3

Upload Documents

Step 4

Pay Processing Fee

Step 5

Get Loan Approval

You can also apply for a home loan online. Visit to apply now!

Looking for a home 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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