HDFC Home Loan EMI Calculator
Preset to HDFC's current home loan emi rate of 8.7%. Change any value to see your own numbers.
- Current rate 8.70%
- Range 8.65–8.80%
- Rank #4 of 7 banks
- Verified 16 July 2026
HDFC Home Loan EMI Calculator
- Principal₹50,00,000
- Total interest₹55,66,274
- Total payment₹1,05,66,274
Where your money goes
- Principal ₹50,00,000
- Interest ₹55,66,274
HDFC home loan interest rates 2026
| Tenure / slab | Rate |
|---|---|
| Up to ₹30 lakh | 8.70% |
| ₹30 lakh – ₹75 lakh | 8.75% |
| Above ₹75 lakh | 8.80% |
| Balance transfer (existing loan takeover) | 8.65% |
This Home Loan calculator is preset to HDFC Bank's current 8.7% rate (as of 16 July 2026), so the EMI you see the moment the page loads reflects a real HDFC loan — change the amount or tenure to match yours.
HDFC's home loan rates run from 8.65% to 8.80% depending on your profile and loan size. Below is HDFC's full rate table, the fees and rules that actually apply, and how HDFC compares with the 7 banks we track — the one thing no bank's own page will show you.
HDFC home loan — key facts
- 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.
How HDFC compares
HDFC's home loan rate is above the category median. PNB is cheaper at 8.35%.
HDFC home loan FAQs
What is HDFC's home loan interest rate in 2026?
HDFC Bank offers home loan rates from 8.65% to 8.8% (indicative headline 8.7%). The exact rate depends on your credit score, income and loan amount.
What are the fees on a HDFC home loan?
The processing fee is Up to 0.50% of loan amount (min ₹3,300) + taxes. Processing fee is up to 0.50% of the loan amount, subject to a minimum of ₹3,300 (plus applicable taxes).
Can I prepay or foreclose my HDFC home loan early?
Adjustable-rate (floating) home loans carry no prepayment or foreclosure charges for individual borrowers.
How is the EMI on a HDFC home loan calculated?
The EMI uses the reducing-balance method — interest is charged only on the outstanding balance, so the interest share of each instalment falls over time. At 8.7% the calculator above shows your monthly EMI; change the amount and tenure to match your loan.