HDFC Bank Home Loan Interest Rate November 2026
HDFC Bank advertises home loan rates starting from 8.5% per annum. For ₹50 lakh over 20 years that is an EMI of about ₹43,391 a month.
Source: HDFC Bank official page, checked on November 2026 (2026-11-01).
| Starting interest rate | 8.5% per annum |
| Applies to | For a credit score of 800 and above |
| Processing fee | Not stated on the page we checked |
| Prepayment | Not stated on the page we checked |
| Maximum tenure | 30 years |
These figures use the bank's advertised starting rate. Most borrowers are offered a higher rate depending on credit score, income and loan size, so treat the result as a best case.
Prepayment options (optional): pay extra to finish sooner
EMI for popular amounts
₹20 lakh for 15 years₹20 lakh for 20 years₹20 lakh for 25 years₹30 lakh for 15 years₹30 lakh for 20 years₹30 lakh for 25 years₹50 lakh for 15 years₹50 lakh for 20 years₹50 lakh for 25 years₹75 lakh for 15 years₹75 lakh for 20 years₹75 lakh for 25 years₹1 crore for 15 years₹1 crore for 20 years₹1 crore for 25 years
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Home loan calculators
Home loan EMI calculatorHome loan eligibility calculatorHome loan prepayment calculatorHome loan balance transfer calculatorHome loan amortization schedule
Frequently asked questions
What is the HDFC Bank home loan interest rate?
HDFC Bank's website advertises home loan rates starting from 8.5% per annum (checked 2026-11-01). The rate you get depends on your credit score, income and loan amount.
What is the EMI on a ₹50 lakh home loan from HDFC Bank?
At the starting rate of 8.5% over 20 years the EMI is about ₹43,391 a month, with total interest of about ₹54,13,879. A higher personal rate would raise this.
What is the processing fee for a HDFC Bank home loan?
The HDFC Bank page we checked did not state a processing fee. Please confirm it with the bank's fee schedule before applying.
Does HDFC Bank charge prepayment charges on a home loan?
The page we checked did not state prepayment terms. Please confirm with the bank.