HDHDFC Bank Calculators & Rates 2026Private bank
Current HDFC loan and deposit rates, each wired to a calculator preset to that rate — plus how HDFC compares with other banks.
How HDFC compares with other banks
HDFC's home loan rate of 8.70% is the 4th lowest of 7 banks (best: PNB at 8.35%) — exactly the median of the banks we track.
HDFC's personal loan rate of 10.75% is the lowest of the 8 banks we track — 0.27 percentage points below the 11.02% median.
HDFC's car loan rate of 9.20% is the 6th lowest of 7 banks (best: BoB at 8.85%) — 0.10 percentage points above the 9.10% median.
HDFC's 1-year FD rate of 6.60% is the 8th highest of 8 banks (best: AU SFB at 7.25%) — 0.20 percentage points below the 6.80% median.
HDFC's 1-year RD rate of 6.60% is the 8th highest of 8 banks (best: AU SFB at 7.20%) — 0.15 percentage points below the 6.75% median.
Rankings use each bank’s headline rate; your offered rate depends on amount, tenure and credit profile, so treat these as a shortlist, not a verdict. The full picture per product — slab-wise tables and every bank side by side — is on FD rates and all banks.
HDFC fees and rules that matter
The rate is only half the cost of a banking product. These are the charges and conditions from HDFC’s own product terms that most change what you actually pay or receive:
Home loan
- Processing fee is up to 0.50% of the loan amount, subject to a minimum of ₹3,300 (plus applicable taxes).
- Adjustable-rate (floating) home loans carry no prepayment or foreclosure charges for individual borrowers.
- Fixed-rate home loans attract a foreclosure charge of 2% on the outstanding principal.
- The rate is benchmarked to the HDFC Bank Repo Rate and varies by loan amount and applicant profile.
Personal loan
- Loan amount ranges from ₹50,000 to ₹40,00,000.
- Processing fee is up to 2% of the loan amount, subject to a maximum of ₹6,500 (plus applicable taxes).
- Prepayment is permitted after 12 EMIs; foreclosure charges are 4% of the principal (falling to 3% after 24 months and 2% after 36 months).
- Repayment tenure ranges from 12 to 72 months.
Car loan
- Finances up to 100% of the ex-showroom price on select models.
- Processing fee ranges from ₹3,500 to ₹11,000 based on the loan amount (plus applicable taxes).
- Foreclosure charges are 6% of the outstanding principal within the first year, reducing to 3% after 24 months.
- Maximum repayment tenure is up to 7 years (84 months).
FD · 1 year
- Premature withdrawal attracts a penalty of up to 1% below the rate applicable for the period the deposit stayed with the bank.
- Senior citizens earn an additional 0.50% over the standard card rate.
- Minimum deposit is ₹5,000 for a regular fixed deposit.
- The 5-year Tax Saver FD qualifies for deduction under Section 80C and carries a mandatory lock-in period.
RD · 1 year
- Minimum monthly instalment is ₹1,000, in multiples of ₹100 thereafter.
- Available for tenures from 6 months to 120 months, in multiples of 3 months.
- Senior citizens earn an additional 0.50% over the applicable card rate.
- Premature closure is permitted; interest is paid for the completed period at the applicable rate after a 1% penalty.
All HDFC rates on this page were verified on 16 July 2026. Rates are indicative seed values; confirm with HDFC before acting.