HDFC · private bank
HDFC Bank home loan interest rate today
HDFC Bank publishes home loan interest rates from 8.00% for new loans (checked 18 Oct 2026). Its floating rate follows the RBI repo rate, now 5.50%. To move an existing loan to a lower rate with HDFC, the fee is about ₹29,500 with GST on a ₹50 lakh loan, as published by HDFC.
Checked 18 Oct 2026 · HDFC's rate page
- Rate for new loans
- From 8.00%
- On HDFC's site
- RBI repo rate
- Follows it
- Repo now 5.50%
- Fee to lower rate
- ₹29,500
- ₹50 lakh loan, with GST
- Checked
- 18 Oct
- 2026
Rates for new loans
New loans from 8.00%. Only this "from" rate is given; the rate you get depends on your credit score and loan.
Source: homeloans.hdfc.bank.in · checked 18 Oct 2026 · from the official website
How the rate moves
HDFC's floating home loan rate follows the RBI repo rate through its Policy Repo Rate, so it moves when the RBI changes the repo rate.
All home-loan rates are benchmarked to the RBI policy repo rate (5.50%) plus a bank margin.
How to ask HDFC for a lower rate
If you already have a loan with HDFC, you can ask it in writing to move you to its current rate. It is a request, and the lender decides.
- Log in to the HDFC home-loan customer portal (portal.hdfc.bank.in).
- Open Requests and choose Conversion Enquiry to see the rate and fee offered to you.
- If the fee quoted is higher than the published schedule, send the request letter from this site and ask for an SR number.
The fee: about ₹29,500 with GST on a ₹50 lakh loan. Up to 0.50% of the principal outstanding plus GST to switch to a lower rate on a variable-rate loan (HDFC's published schedule). A ₹3,000 cap appeared in one reading of the page and is not confirmed; ask for the exact fee in writing.
Source: homeloans.hdfc.bank.in · checked 18 Oct 2026 · from the official website
Paying off early
For loans sanctioned or renewed on or after 1 January 2026, no bank, NBFC or housing finance company may charge for part or full pre-payment of a floating-rate loan taken by an individual for non-business purposes, whatever the source of funds and with no lock-in. Older floating-rate home loans were already protected by RBI's 2012 and 2014 circulars (banks) and NHB directions (HFCs). Any charge not written in your sanction letter or Key Facts Statement cannot be levied.
Where to complain
Complain to HDFC first and keep the reference number it gives you.
If there is no reply within 30 days, or the reply does not satisfy you, you can complain to the RBI Ombudsman for free within 90 days after that (or after the lender's last reply, if later): online at cms.rbi.org.in, by email to [email protected], or by post.
After HDFC, the next step is the RBI Ombudsman. It is free and you do not need a lawyer.
Questions people ask
What is HDFC Bank's home loan interest rate today?
HDFC Bank publishes home loan interest rates from 8.00% for new loans (checked 18 Oct 2026). The rate you get depends on your credit score and loan, and HDFC decides the final rate.
Does HDFC Bank's home loan rate change when the RBI changes the repo rate?
HDFC's floating home loan rate follows the RBI repo rate through its Policy Repo Rate, so it moves when the RBI changes the repo rate. All home-loan rates are benchmarked to the RBI policy repo rate (5.50%) plus a bank margin.
How do I get a lower rate on my existing HDFC Bank home loan?
Ask HDFC in writing to move your loan to its current rate. Log in to the HDFC home-loan customer portal (portal.hdfc.bank.in). Open Requests and choose Conversion Enquiry to see the rate and fee offered to you. If the fee quoted is higher than the published schedule, send the request letter from this site and ask for an SR number. The fee is about ₹29,500 with GST on a ₹50 lakh loan, as published by HDFC. A lower rate is a request: the lender decides.
Can HDFC Bank charge me for paying off my home loan early?
No, not on a floating-rate home loan. For loans sanctioned or renewed on or after 1 January 2026, no bank, NBFC or housing finance company may charge for part or full pre-payment of a floating-rate loan taken by an individual for non-business purposes, whatever the source of funds and with no lock-in. Older floating-rate home loans were already protected by RBI's 2012 and 2014 circulars (banks) and NHB directions (HFCs). Any charge not written in your sanction letter or Key Facts Statement cannot be levied.
Where do I complain if HDFC Bank does not reply?
Complain to HDFC first through its complaints page. If there is no reply within 30 days, or the reply does not satisfy you, you can complain to the RBI Ombudsman for free within 90 days after that (or after the lender's last reply, if later): online at cms.rbi.org.in, by email to [email protected], or by post.
Compare with other lenders
Moving your loan to HDFC from another lender: a processing fee of about ₹29,500 with GST on a ₹50 lakh loan, as published by HDFC, plus stamp duty in some states.
Words on this page
- RBI repo rate:
- the rate the Reserve Bank of India sets for lending to banks. Many home loan rates move with it.
- SR number:
- service request number: the reference the bank gives your request. Keep it.
- GST:
- Goods and Services Tax: 18% on bank fees.