Calculate your HDFC home loan EMI.
Use this calculator with HDFC's typical rate range. See your EMI, the tax-adjusted effective cost, and full amortization schedule. Independent of HDFC — we don't sell loans or pass your details to anyone.
What this loan really looks like
The lifetime split is only part of the story. These show how the principal/interest mix shifts year by year, how slowly the balance falls, and the month your payment finally tips toward principal.
About HDFC Bank (incorporating HDFC Ltd) home loans
Post the HDFC Ltd merger with HDFC Bank (July 2023), all home loans are now serviced under HDFC Bank. Pricing and product features have largely continued from the legacy HDFC home loan business.
HDFC home loan at a glance
| Typical rate range | 8.75% to 9.95% |
|---|---|
| Maximum tenure | 30 years |
| Maximum loan amount | 90% of property value (LTV); up to ₹10 crore for premium customers |
| Eligibility (age) | salaried minimum age 21, self-employed minimum age 23; maximum age at loan maturity 65 for salaried, 70 for self-employed |
| Processing fee | 0.50% of loan amount (minimum ₹3,000) + GST |
HDFC home loan highlights
- TruFixed loan — fixed rate for the first 2, 3, or 10 years
- Step-up loan facility for young borrowers
- Telescopic repayment — longer tenure under adjustable rate option
- Doorstep service for documentation pickup
- Online loan tracking via NetBanking
Disclaimer: indiaemi.com is not affiliated with HDFC Bank (incorporating HDFC Ltd). The rate ranges, eligibility criteria, and other figures shown here are based on publicly available information and may change without notice. Always confirm current rates and terms directly with HDFC before making any loan decision.
Tax benefits apply equally — regardless of which bank
The Income Tax Act sections (24(b), 80C, 80EEA) apply to all home loans from approved Indian banks and housing finance companies — HDFC loans are no exception. The calculator above incorporates these benefits automatically. For more on home loan tax benefits, see our how EMI works and glossary pages.
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