Interest Rates

  • A loan of ₹100000 payable over 15 years on a variable rate at 8.75% would require 180 payments of ₹999 per month. The total amount payable would be ₹1,79,901 made up of loan amount of ₹1,00,000 plus interest of ₹79,901. The overall cost for comparison is 8.75% 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%

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 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 plot loan and plot buying budget and own your dream home with HDFC Bank Plot 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

Non-Housing Charges

Loan Eligibility

You can apply individually or jointly for Plot Loans. All proposed 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 plot 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.


Maximum Funding*

Loans up to and including ₹30 lacs

80% 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 plot and repayment capacity of the customer, as assessed by HDFC Bank.
**May be restricted up to 70% of the cost / value of the plot, if the plot is located outside the city limits.
The above mentioned funding limits are applicable for direct allotment cases only.



Frequently Asked Questions

A person resident outside India who is a citizen of India or a person outside India who is of Indian origin is an NRI.
The definition of a person resident outside India is defined under section 2(w) of Foreign Exchange Management Act, 1999 is as under:
Person resident outside India means, a person who is not resident in India.
A person shall be deemed to be a person not resident in India in the following cases:
When the person stays in India for less than or up to 182 days during the preceding financial year
When a person who has gone out of India or who stays outside India, in either case
For or on taking up employment outside India, or
For carrying on outside India a business or vocation outside India, or
For any other purpose, in such circumstances as would indicate his intention to stay outside India for an uncertain period

You can apply for housing loans at any time once you have decided to purchase or construct a property, even if you have not selected the property or the construction has not commenced. You can even apply for a home loan whilst you are working abroad, to plan for your return to India in future.

In the event of you relocating back to India, HDFC Bank reassesses the repayment capacity of the applicant(s) based on Resident status and a revised repayment schedule is worked out. The new rate of interest will be as per the prevailing applicable rate of Resident Indian loans (for that specific loan product). This revised rate of interest would be applicable on the outstanding balance being converted. A letter is given to the customer confirming the change of status.

A photocopy of the PIO card or
A photocopy of current passport indicating birthplace as 'India'
A photocopy of Indian passport, if held by the individual earlier
A photocopy of parent’s / grandparent’s Indian passport / birth certificate/ marriage certificate.

You need not be present in India to avail of your Home Loan. In case you are posted aboard at the time of submission of the loan application and disbursement of the loan, you can avail the loan by appointing a Power of Attorney as per HDFC Bank's format. Your Power of Attorney holder can apply and carry out the formalities on your behalf.


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

Plot 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* for the purchase of a flat, row house, bungalow from private developers in approved projects in India.

Loans for the purchase of a resale plot in India. 

Avail of Home Loan Advisory Services in the United Kingdom for properties located in India.

Loans for transferring your outstanding loan availed from another Bank / Financial Institution in India.

Expert legal and technical counseling

       *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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