Interest Rates

  • A loan of ₹100000 payable over 15 years on a variable rate at 9.40% would require 180 payments of ₹1,038 per month. The total amount payable would be ₹1,86,876 made up of loan amount of ₹1,00,000 plus interest of ₹86,876. The overall cost for comparison is 9.40% APRC representative.

  • In addition to the above the processing fees shall be paid by the customer.

  • The details of processing fees are as mentioned under Fees and Charges.


Please note that this example is just indicative in nature. The interest rates/Equated Monthly Installments are variable in nature and linked to HDFC Bank's Retail Prime Lending Rate and shall fluctuate according to the movement in the same. All payments are to be made in India in Indian currency. All lending by HDFC Bank is done solely in India for properties located in India.


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

Standard Home 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).


Get an estimate of your home extension loan and home buying budget and own your dream home with HDFC Bank Home Extension Loans with super ease. 



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.

Housing Charges

Loan Eligibility

You can apply individually or jointly for Home Extension Loans. All owners of the property will have to be co-applicants. However, all co-applicants need not be co-owners. Co-applicants can be family members only.An NRI/OCI/PIO above the age of 18 years upto 60 years who is of sound mind and is not disqualified from contracting by any law can apply for home extension loan. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON THE LOAN/S AVAILED FROM HDFC Bank AGAINST IT.

Important Factor Criteria
Age 18-60 years
Profession Salaried / Self Employed
Nationality NRI
Tenure Up to 15 years****

Classification of Self Employed

Self-Employed Professional Self Employed Non-Professional (senp)
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
  • Lower interest rate on adding a female co-owner as co-applicant.

****For certain professionals only. The professionals may include but are not limited to Doctors, Lawyers, Chartered Accountants, and Architects.

*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.


Loan Amount Maximum Funding*

Up to and including ₹30 lacs

90% of the construction estimate

₹30.01 lacs to ₹75 lacs

80% of the construction estimate

Above ₹75 lacs

75% of the construction estimate


*Subject to the repayment capacity of the customer, as assessed by HDFC Bank.




Frequently Asked Questions

It is a loan to extend or add living space to your home such as additional rooms and floors etc.

Any person who wishes to add space to their existing Apartment/Floor/Row house can avail a Home Extension Loan from HDFC Bank. Existing home loan customers can also avail a Home Extension Loan.

You can avail a Home Extension Loan for a maximum term of 20 years or till your age of retirement ,whichever is lower.

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

Yes. You are eligible for tax benefits on the principal and interest components of your home extension loan under the Income Tax Act, 1961. As the benefits could vary each year, please do check with our Loan Counselor about the tax benefits which you could avail on your loan.

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

HDFC Bank will disburse your Home Extension Loan in installments based on the progress of construction/renovation as assessed by HDFC Bank.

You can find a checklist regarding documents required and applicable fees & charges on

Rates Offered to Customer during the period Oct'23 to Dec'23
Segment IRR APR
Min Max Avg. Min Max Avg.
HOUSING 8.30 12.60 8.48 8.30 12.60 8.48
NON - HOUSING* 8.35 13.55 9.23 8.35 13.55 9.23

Home Extension Loan Benefits

End to end digital process

Loan approval in 4 simple steps.

Customised Repayment Options

Tailor-made 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

Loans to NRIs, PIOs and OCIs* to extend or add space such as additional rooms etc. to your home in India.

Loans at Home Loan interest rates.

Our documentation requirements are designed to be easy and hassle-free.

Available for both existing and new customers.

*NRI – Non Resident Indian, PIO – Person of Indian Origin and OCI – Overseas Citizen of India.

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 HDFC Bank's 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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