🏦 HDFC Bank Home Loan EMI Calculator 2025

🏠

Home Loan

8.40–10.5%

🚗

Car Loan

7.99–12%

💳

Personal

10.5–24%

🎓

Education

8.15–15%

Loan Amount

₹

Down Payment optional

₹

Interest Rate

8.50%

Tenure

20 yrs

Processing Fee optional

True Cost (with fee)

Enter % above to see true cost

Processing Fee optional

₹

Monthly Salary take-home

₹

Monthly EMI

—

📅 Tenure Comparison

🏦 Bank Rate Comparison 2025-26

* Indicative rates. Actual depends on credit score and profile.

💰 Prepayment Simulator

Enter any extra monthly payment — see exact interest saved and time cut.

Extra payment per month

₹

Without prepayment—

With prepayment—

⏱ Time saved—

💰 Interest saved —

📊 Payment Breakdown

⭐ CIBIL Score → Interest Rate Guide

Your credit score directly affects the rate you get. Here's what each score range means for your EMI:

💹 Invest While You Repay

Even ₹2,000/month in SIP alongside your EMI builds serious wealth. Start on Groww — India's most trusted platform.

Start SIP on Groww →

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About This Calculator

HDFC Bank is India's largest private sector home loan lender. This calculator is pre-filled with HDFC's current home loan rate of 8.75% p.a. (applicable for salaried borrowers, FY 2025-26). Adjust the rate if your HDFC offer letter shows a different rate.

HDFC offers home loans for purchase, construction, renovation, balance transfer, and top-up loans. Their Adjustable Rate Home Loan (ARHL) is linked to RPLR (Retail Prime Lending Rate), which moves with market conditions.

📊 HDFC Home Loan EMI — Real Example (₹50 Lakh, 20 Years @ 8.75%)

Meet Kavita, 35, a senior manager in Mumbai earning ₹18 LPA. She wants to buy a 2BHK for ₹95 lakh, financing ₹50 lakh from HDFC Bank.

HDFC Loan Type	Rate (2025-26)	EMI (₹50L, 20yr)	Total Interest
HDFC Salaried (CIBIL ≥ 800)	8.75%	₹44,349	₹56.4 lakh
HDFC Salaried (CIBIL 750–800)	8.90%	₹44,928	₹57.8 lakh
HDFC Self-Employed	9.00%	₹45,316	₹58.8 lakh
HDFC Balance Transfer	8.65%	₹43,964	₹55.5 lakh
HDFC Top-Up Loan	9.25%	₹45,878	₹60.1 lakh

HDFC vs SBI comparison (₹50L, 20 years): HDFC at 8.75% = EMI ₹44,349 | SBI at 8.50% = EMI ₹43,391. Difference: ₹958/month = ₹2.3 lakh over 20 years. Always get quotes from both.

💡 HDFC Home Loan Tips & Lesser-Known Features

HDFC TruFixed Rate: HDFC offers a 2-year fixed rate period after which it converts to floating. Useful if you expect rates to rise — locks in today's rate for 2 years.
Balance transfer from another bank: If you took a home loan at 9%+ from another bank, switching to HDFC can save ₹50,000–1 lakh/year. Use our Balance Transfer calculator above.
HDFC overdraft facility: HDFC's "Home Saver" product links your home loan to an OD account. Park your savings there to reduce interest without losing liquidity.
Joint loan with spouse for tax benefits: Each co-borrower can claim ₹2L on Section 24 interest + ₹1.5L on Section 80C principal = ₹3.5L per person = ₹7L combined annual tax deduction.
HDFC pre-approved offer: Check HDFC's website for pre-approved loan offers if you're an existing HDFC customer — typically faster processing and sometimes better rates.

📋 HDFC Home Loan EMI Table (8.75%, Various Amounts)

Loan Amount	10 Years	15 Years	20 Years	25 Years
₹20 lakh	₹25,041	₹19,982	₹17,740	₹16,290
₹30 lakh	₹37,562	₹29,974	₹26,610	₹24,435
₹40 lakh	₹50,082	₹39,965	₹35,480	₹32,580
₹50 lakh	₹62,603	₹49,956	₹44,349	₹40,725
₹75 lakh	₹93,905	₹74,934	₹66,524	₹61,088
₹1 crore	₹1,25,206	₹99,912	₹88,699	₹81,450

Frequently Asked Questions

What is HDFC home loan interest rate in 2025? ▼

HDFC Bank home loan interest rate starts from 8.75% p.a. for salaried borrowers with CIBIL 800+ as of FY 2025-26. Rates are floating (RPLR-linked) and change periodically. Check HDFC's official website or call 1800-202-6161 for current rates.

What is the HDFC home loan processing fee? ▼

HDFC charges 0.50% of loan amount as processing fee (minimum ₹3,000, maximum ₹10,000 for salaried) + GST at 18%. For a ₹50 lakh loan, the processing fee would be ₹10,000 + GST = ₹11,800. This is a one-time, non-refundable fee.

How to apply for HDFC home loan online? ▼

Apply at hdfc.com/home-loans or via HDFC Bank app. You'll need: PAN + Aadhaar, last 3 months salary slips, Form 16, 6-month bank statement, and property documents. HDFC typically gives in-principle approval within 1–3 working days.

Does HDFC home loan have prepayment charges? ▼

No. HDFC does not charge prepayment penalty on floating rate home loans. Under RBI guidelines, no bank can charge foreclosure penalty on floating rate loans. For fixed rate loans, a 2% fee may apply — confirm with HDFC for your specific loan.

Can I transfer my existing home loan to HDFC? ▼

Yes. HDFC offers home loan balance transfer from other banks. The process involves: applying at HDFC, getting NOC + outstanding certificate from current bank, property document transfer, and HDFC disbursement. Use our Balance Transfer calculator to check your savings first.