Calculate your HDFC home loan EMI.
Use this calculator with HDFC's typical rate range. See your EMI, the principal-versus-interest split, and the tax-adjusted effective cost. 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) and 80C) apply to all home loans from approved Indian banks and housing finance companies, under the old regime. (Section 80EEA is closed — it covered only loans sanctioned between 1 April 2019 and 31 March 2022.) — 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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Sources & standards
Every regulated figure on this page, what it is, and the primary source it comes from. Two Acts are live: the Income-tax Act, 1961 governs FY 2025-26 — the return being filed now — while the Income-tax Act, 2025 governs FY 2026-27 onward. The amounts are unchanged; only the section numbers moved.
| What | Current value | Source | Verified |
|---|---|---|---|
| Interest deduction cap — self-occupied property | ₹2,00,000/yr | Income-tax Act, 1961 — s.24(b) (FY 2025-26 & earlier) Income-tax Act, 2025 — s.22(1)(b) & (c); cap in s.22(2) (in force 1 Apr 2026) | 2026-07 |
| Principal repayment deduction cap (shared with EPF, PPF, ELSS, insurance) | ₹1,50,000/yr | Income-tax Act, 1961 — s.80C (FY 2025-26 & earlier) Income-tax Act, 2025 — s.123, read with Schedule XV (in force 1 Apr 2026) | 2026-07 |
| Additional interest deduction — first-time buyers (CLOSED) closed | ₹1,50,000/yr window 2019-04-01 → 2022-03-31 | Income-tax Act, 1961 — s.80EEA (FY 2025-26 & earlier) Income-tax Act, 2025 — s.131 (in force 1 Apr 2026) | 2026-07 |
| Optional regime — retains deductions at higher slab rates | std deduction ₹50,000 4 slabs, top rate 30% | 2026-07 | |
| Loan-to-Value ceilings — individual housing loans | 90% — up to ₹30,00,000 80% — up to ₹75,00,000 75% — above ₹75,00,000 | RBI (Commercial Banks — Credit Facilities) Directions, 2025, para 111 | 2026-07 |
Not tax or legal advice. See every standard this site uses →