Semantic Coherence: HDFC Bank Ltd – Signal Evidence & AI Readability

[IMG: HDFC bank Home Loan]

[IMG: HDFC bank Home Loan]

[IMG: HDFC bank Home Loan]

[IMG: HDFC bank Home Loan]

[IMG: HDFC bank Home Loan]

[IMG: HDFC bank Home Loan]

Instant Home Loan Made Easy

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Housing Loans
Non Housing Loans
Refinance

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[H2] Calculate Your Home Loan

[IMG: calculate_monthly_emi]
Calculate monthly EMI

[IMG: know_your_eligibility]
Know your Eligibility

[IMG: calculate_home_buying_budget]
Calculate home buying budget

[IMG: calculate_home_refinance_loan]
Calculate home Refinance Loan

Loan Amount
₹
₹ 1 Lakhs ₹ 10 Crore

Tenure (Years)

1 30

Interest Rate (% P.A.)
%
0.5% 15%

Monthly Home Loan EMI
₹

Total Interest
₹198341

Principal Amount
₹198341

Apply Now

[H3] Note:

These calculators are provided only as general self-help Planning Tools. Results depend on many factors, including the assumptions you provide. We do not guarantee their accuracy, or applicability to your circumstances.NRIs should input net income.

We are unable to show you any offers currently as your current EMIs amount is very high. You can go back and modify your inputs if you wish to recalculate your eligibility.
Close

Gross Income (Monthly)
₹
₹ 10k ₹ 1 Cr

Tenure (Years)

1 30

Interest Rate (% P.A.)
%
0.5% 15%

Other EMIs (Monthly)
₹
₹ 0 ₹ 1 Cr

Your Home Loan Eligibility
₹ 11,86,698

Your Home Loan EMI will be
₹ 11,86,698/monthly

Apply Now

[H3] Note:

These calculators are provided only as general self-help Planning Tools. Results depend on many factors, including the assumptions you provide. We do not guarantee their accuracy, or applicability to your circumstances. NRIs should input net income.

We are unable to show you any offers currently as your current EMIs amount is very high. You can go back and modify your inputs if you wish to recalculate your eligibility.
Close

Down Payment
₹
₹ 1000 ₹ 1 Cr

Gross Income (Monthly)
₹
₹ 10 k ₹ 1 Cr

Tenure (Years)

1 30

Interest Rate (% P.A.)
%
0.5% 15%

Other EMIs (Monthly)
₹
₹ 0 ₹ 1 Cr

You are Eligible for a Loan Amount upto
₹ 11,86,698

Property Cost
₹ 11,86,698

Apply Now Let Us Contact You

[H3] Note:

These calculators are provided only as general self-help Planning Tools. Results depend on many factors, including the assumptions you provide. We do not guarantee their accuracy, or applicability to your circumstances. NRIs should input net income.

Principal Outstanding
₹
₹ 1 Lakhs ₹ 10 Cr

Tenure (Years)

1 30

Interest Rate (% P.A.)
%
0.5 15

[H3] Loan from HDFC Bank Home Loans
Tenure (Years)

1 30

Interest Rate (% P.A.)
%
0.5 15

Total Saving in Cash Outflow
₹ 11,86,698

Existing EMI
₹ 11,86,698

Proposed EMI
₹ 11,86,698

Saving in EMI
₹ 11,86,698

Apply Now Let Us Contact You

[H3] Note:

These calculators are provided only as general self-help Planning Tools. Results depend on many factors, including the assumptions you provide. We do not guarantee their accuracy, or applicability to your circumstances. NRIs should input net income.

[H3] Ask questions Get answers
Resolve all your queries instantly on

[H3] Open A New-Age Savings Account
Choose the Account that Fits Your Goals and Lifestyle.
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[H1] HDFC Bank Home Finance Products

[H2] Superfast loans for your dream home
Home Loans Plot Loans Rural Housing Loans NRI Home Loans

[H2] Renovate or extend your home
Home Renovation Loan Home Extension Loan Top Up Loan

[H2] Get Loan against your property or refinance
Loan Against Property Balance Loan Transfer

[H2] Testimonials

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AGHARA RAVIKUMAR M

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“
It was very easy to complete disbursement process with support of HDFC staff ”

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MURALI SHEEBA

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“
For people like us with a busy schedule hassle-free service online without visiting the bank was really a lifesaver. ”

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FREDDY VINCENT S V

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“
In this challenging situation, the entire process was carried out in a smooth way. Even the query raised was sorted out in a very short time with no hurdle. Every person involved in the inquiry procedures were courteous. ”

View More

[H2] Home Loan Recommended Articles

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[H5] Home Finance

A Quick Guide For First Time Home Buyers In India

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[H5] Home Finance

Applying for a home loan - online vs offline

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[IMG: Looking For A Housing Loan? Know About The Various Kinds Of Loans Available Banner]

[H5] Home Finance

Looking For A Housing Loan? Know About The Various Kinds Of Loans Available

Read More

[H2] Looking for a Home Loan?

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[H2] Avail best interest rates on your Home Loan!

Apply Online

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[H2] Our Loan Expert can meet you at your doorstep.

Instant Call Back

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[H2] Visit our branch nearest to you.

Locate Us

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[H2] Your Dream Home Awaits
Browse from our list of pre-approved projects and start your journey with HDFC Bank

Disclaimer: Contents herein are for informative purposes only and the list of identified projects is non-exhaustive and merely indicative without any representations, obligations, warranties, responsibilities or liabilities on part of HDFC Bank in any manner whatsoever. Readers are advised to undertake independent diligence and exercise discretion before making any purchases. The information available in this section of the website is subject to change, removal, updation, revisions and amendment without any notice and at any time. All loans shall be at the sole discretion of HDFC Bank after conducting due diligence of the loan applications. HDFC Bank further reserves the right to accept/reject any loan application(s) and to restrict/refrain from funding certain portion or units/towers of such identified properties. Listing of projects herein is neither intended to reflect as any endorsement, solicitation, approval, collaboration, tie-up, or any arrangement of any sort whatsoever with any developer/project, nor is it intended to entitle any reader with any rights or remedies of any nature against HDFC Bank. Any dealing on any project on the list regarding any matter whatsoever, including but not limited to the availability of units/inventory, delivery/possession of property, status of regulatory/statutory compliance, etc., is to be undertaken only with the respective promoter/developer as the case maybe on such bi- party terms as the parties may deem fit and proper without any reference or recourse to HDFC Bank.

Instant Digital Sanction

Minimal Documentation

Hassle-Free Disbursement

55,000+ Projects

[H2] Key Features and Benefits

Projects

Calculate Loan Eligibility

Apply Home Loan

Calculate Home Loan EMI

Home Buyers Guide

[H5] HDFC Bank Projects
HDFC Bank Home Loans has a large database of projects. At present, HDFC Bank has around 57,000 approved properties spanning across 44 cities in India. Choose your dream home or upgrade to a new home, with HDFC Bank Home Loan from our list of projects and let us make your dream come true.

Apply Now

We are unable to show you any offers currently as your current EMIs amount is very high. You can go back and modify your inputs if you wish to recalculate your eligibility.
Close

Gross Income (Monthly)
₹
₹ 10 K ₹ 1 Cr

Tenure (Years)

1 30

Interest Rate (% P.A.)
%
0.5 % 15%

Other EMIs (Monthly)
₹
₹ 0 ₹ 1 Cr

Your Home Loan Eligibility
₹ 11,86,698

Your Home Loan EMI will be
₹ 11,86,698 /monthly

Apply Online

[H5] Apply Home Loan
With HDFC Bank, a home loan isn’t just a transaction—it’s where your dreams take shape.

[H6] End to end digital process
Home loan approval in 4 simple steps.

[H6] Customised Repayment Options
Tailor-made home loans to suit your requirements.

[H6] Easy documentation
Apply with minimal documents, save time and effort.

[H6] 24x7 assistance
Connect with us on Chat, WhatsApp anytime, anywhere

[H6] Online loan account
Login to your account to conveniently manage your loan.

Apply Now

Loan Amount
₹
₹1 Lac ₹10 Cr

Tenure (Years)

1 30

Interest Rate (% P.A.)
%
0.5 15

Monthly Home Loan EMI
₹198341

Principal Amount
₹198341

Interest Amount
₹198341

Total Amount Payable
₹198341

Request Call Back

[H5] Home Buyer’s Guide
Your dream home starts here. This guide is your companion through the home buying process—clear, simple, and tailored to help you make informed decisions.
[H5] Advantages  of owning your own home:

Free from landlord rules and full of possibilities

A symbol of your success and accomplishments

A sense of emotional security; a place where your can be yourself

A growing asset-buying your home sooner can be a smarter investment

Apply Now

[H2] Frequently Asked Questions

[H3] How will HDFC Bank decide the home loan amount i am eligible for?

HDFC Bank will determine your Home Loan Eligibility largely by your income and repayment capacity. Other important factors include your age, qualification, number of dependants, your spouse's income (if any), assets & liabilities, savings history and the stability & continuity of occupation.

[H3] What does an EMI mean?

EMI refers to the ‘Equated Monthly Installment’ which is the amount you will pay to us on a specific date each month till the loan is repaid in full. The EMI comprises of the principal and interest components which are structured in a way that in the initial years of your loan, the interest component is much larger than the principal component, while towards the latter half of the loan, the principal component is much larger.

[H3] When can I make a home loan application?

You can apply for a Home Loan at any time once you have decided to purchase or construct a property, even if you have not selected the property or the construction has not commenced.

[H3] What does 'own contribution' mean?

‘Own Contribution’ is the total cost of the property less HDFC Bank's home loan.

[H3] How do I repay a home loan?

For your convenience, HDFC Bank offers various modes for repayment of your house loan. You may issue standing instructions to your banker to pay the installments through ECS (Electronic Clearing System), opt for direct deduction of monthly installments by your employer or issue post-dated cheques from your salary account.

[H3] Can I get a loan to buy a plot?

Absolutely! HDFC Bank provides Plot Loans to facilitate the purchase of land for your dream home. HDFC Bank offers Plot Loans at competitive interest rates, flexible repayment options, and a straightforward application process. Take the first step towards turning your dreams into reality with HDFC Bank's Plot Loans.

[H3] Open A New-Age Savings Account
Choose the Account that Fits Your Goals and Lifestyle.
Know More

[H2] Home Loan Recommended Articles

[IMG: The benefits of applying for a Home Loan in present times banner]

The benefits of applying for a home loan in present times
Getting the best deal on a Home Loan can be as tricky as choosing the home itself. With so many lenders offering many different types of loan

Read More

A Quick Guide For First Time Home Buyers In India Banner
Getting the best deal on a Home Loan can be as tricky as choosing the home itself. With so many lenders offering many different types of loan

Read More

[IMG: Applying for a home loan online vs offline banner]

Applying for a home loan online vs offline
Getting the best deal on a Home Loan can be as tricky as choosing the home itself. With so many lenders offering many different types of loan

Read More

[H1] Home Loans
At HDFC Bank, we understand that a home loan is not just a financial transaction. It is much more than that. It is a warm little corner of the world that is yours, tailored to your tastes and needs. It is the place where you celebrate the joys, deal with the sorrows, and enjoy the journey called life. There is no place like home, and with HDFC Bank Home Loans, you can gather hopes, achieve your dreams, and create memories in your own space.

Apply Online

[H2] Home Loan EMI Calculator

Loan Amount
₹
₹1 Lac ₹10 Cr

Tenure (Years)

1 30

Interest Rate (% P.A.)
%
0.5 15

Monthly Home Loan EMI
₹198341

Principal Amount
₹198341

Interest Amount
₹198341

Total Amount Payable
₹198341

Request Call Back

Rates & Offers
Calculators
Documents
Fees & Charges
Rates offered to Customer (Past Quarter)
FAQ & More

Benefits & Features
FAQs
Home Loan Repayment Options
Home Loan Application Process
Things to Check/Do Before You Apply for a Home Loan
Advantages of Availing a Home Loan
Enhance your Home Loan Eligibility
Important Do’s and Don’ts
Terms and Conditions

[H2] Home Loan Interest Rates

[H2] All rates are benchmarked to Policy Repo Rate. Current applicable Repo Rate = 5.25%

Special Housing Loan Rates for Salaried & Self Employed (Professionals & Non-Professionals)

Loan Slab
Interest Rates (% p.a.)

For All Loans*
Policy Repo Rate + 2.50% to 7.95%= 7.75% to 13.20%

[H2] Home Loan Calculators

Get an estimate of your Loan and home buying budget and own your dream home with HDFC BANK House Loans with super ease.

Eligibility Calculator
How much loan can I borrow?

Affordability Calculator
What should be the budget for my home?

Refinance Calculator
How much can I save on my EMIs?

We are unable to show you any offers currently as your current EMIs amount is very high. You can go back and modify your inputs if you wish to recalculate your eligibility.
Close

Gross Income (Monthly)
₹
₹ 10 K ₹ 1 Cr

Tenure (Years)

1 30

Interest Rate (% P.A.)
%
0.5 % 15%

Other EMIs (Monthly)
₹
₹ 0 ₹ 1 Cr

Your Home Loan Eligibility
₹ 11,86,698

Your Home Loan EMI will be
₹ 11,86,698 /monthly

Apply Online

We are unable to show you any offers currently as your current EMIs amount is very high. You can go back and modify your inputs if you wish to recalculate your eligibility.
Close

Down Payment
₹
₹ 1000 ₹ 1 Cr

Gross Income (Monthly)
₹
₹ 10 K ₹ 1 Cr

Tenure (Years)

1 30

Interest Rate (% P.A.)
%
0.5 % 15 %

Other EMIs (Monthly)
₹
₹ 0 ₹ 1 Cr

You are Eligible for a Loan Amount upto
₹ 11,86,698

Property Cost
₹ 11,86,698

Apply Now Let Us Contact You

[H3] Existing Loan
Principal Outstanding
₹
₹ 1 Lac ₹ 10 Cr

Tenure (Years)

1 30

Interest Rate (% P.A.)
%
0.5 % 15 %

[H3] Loan from HDFC Bank Home Loans
Tenure (Years)

1 30

Interest Rate (% P.A.)
%
0.5% 15%

Total Saving in Cash Outflow
₹ 11,86,698

Existing EMI
₹ 11,86,698

Proposed EMI
₹ 11,86,698

SAVING IN EMI
₹ 11,86,698

Apply Now Let Us Contact You

[H2] Documents for Home Loan

For home loan approval, you need to submit the following documents for applicant / all co-applicants along with the completed and signed Loan application form.

Identity And Residence (KYC)

Income Documents

Property Documents

Other Requirements

A
Sr.No.
Mandatory Documents

1
PAN Card or Form 60 (If the customer does not have a PAN Card)

B
Sr.No.
Description of Officially Valid Documents (OVD) that can be accepted for establishing the legal name & current address of Individuals*[Any one of the following documents can be submitted]
Identity Proof
Address Proof

1
Passport, the validity of which has not expired.

2
Driving license which has not expired.

3
Election /Voters identification card

4
Job card issued by NREGA duly signed by the officer of the State Government

5
Letter issued by the National Population Register containing details of name, address.

6
Proof of possession of Aadhaar Number (to be obtained voluntarily)

A document mentioned above shall be deemed to be an OVD even if there is a change in the name subsequent to issuance provided it is supported by a marriage certificate issued by State Government or Gazette notification, indicating such a change of name.

Document
Salaried
Self Employed Professional
Self Employed Non Professional

Last 3 months' Salary Slips

Last 6 months' Bank Statements, showing salary credits

Latest Form-16 and IT returns

Income Tax Returns along with computation of income for at least the last 2 Assessment Years (of both the individual and the business entity and attested by a CA)

At least last 2 years’ Balance Sheet and Profit & Loss A/c Statements, with Annexures / Schedules (of both the individual and the business entity and attested by a CA)

Last 12 months' Current A/c Statements of the business entity and Savings Account Statements of the individual

[H2] For Purchase of a New Home

Document
Salaried
Self Employed Professional
Self Employed Non Professional

Copy of the Allotment Letter / Buyer Agreement

Receipt/(s) of payment/(s) made to the developer

[H2] For Purchase of a Resale Home

Document
Salaried
Self Employed Professional
Self Employed Non Professional

Title Deeds including previous chain of the property documents

Receipt/(s) of initial payment/(s) made to the seller

Copy of the agreement to sell (if already executed)

[H2] For Constructing a Home on a N.A. Plot

Document
Salaried
Self Employed Professional
Self Employed Non Professional

Title Deeds of the Plot

Proof of no encumbrances on the property

Copy of the plans, approved by the Local Authorities

Construction estimate by an Architect / Civil engineer

Document
Salaried
Self Employed Professional
Self Employed Non Professional

Own Contribution Proof

Employment Contract / Appointment Letter in case current employment is less than year old

Last 6 months' Bank Statements showing repayment of any ongoing loans

Passport size photograph of all the applicants / co-applicants to be affixed on the Application form and signed across.

Cheque for processing fee favouring HDFC Bank

Business Profile

Latest Form 26 AS

List of Directors and Shareholders with their individual shareholding certified by a CA / CS in case of the business entity being a company

Memorandum and Articles of Association of the Company

Partnership deed in case of the business entity being a partnership firm

Details of ongoing loans of the individual and the business entity including the outstanding amount, instalments, security, purpose, balance loan term, etc.

*All documents to be self-attested. The above list is indicative in nature and additional documents can be asked for.

[H2] Home Loan Charges

Processing Fees & Charges

Conversion Fees

Miscellaneous Receipts

Pre Mature Closure/ Part Payment

Property Document Retention Charges

[H3] Processing Fees & Charges

Processing Fees & Charges

Processing fee/Loan processing charge (non-refundable)
Salaried / Self employed Professional Upto 0.50% of the loan amount or Rs. 4,000/- whichever is higher, plus applicable taxes. For Self-Employed Non-Professionals: Upto 1.50% of the loan amount or Rs. 5,000/- whichever is higher, plus applicable taxes. For NRI Loans Upto 1.50% of the Loan amount or Rs. 4,000/- whichever is higher  +  applicable taxes / statutory levies and charges. For Value Plus Loans Upto 1.50% of the Loan amount or Rs. 5000/- whichever is higher + applicable taxes / statutory levies and charges. For HDFC Reach Scheme Upto 2.00% of the loan amount+ applicable taxes / statutory levies. Processing Fee is non-refundable in nature

Re-Appraisal Of Loan After 6 Months From Sanction(applicable for housing and non-housing)
Salaried / Self employed Professional- Upto Rs. 3300/- For Self-Employed Non-Professionals/ NRI/ Value Plus Loans/ HDFC Reach Scheme/- Upto Rs. 5000

Conversion of ROI from floating to fixed(who have availed EMI based floating rate Personal Loans)*Please refer the RBI circularNo.DBR.No.BP.BC.99/08.13.100/2017-18 on “XBRL Returns – Harmonization of Banking Statistics” dated January 04, 2018.”.
Upto Rs. 3000/-

List Of Documents (For issuance of duplicate LOD post disburserment)
Upto Rs.500/-

Photocopy of Documents
Upto Rs. 500/-

Repayment Mode Change Charges
Upto Rs.500/-

Stamp Duty & Statutory / Regulatory Charges
At actual

Incidental Charges
At actual

Cersai Charges
At actual (upto Rs.100/-)

Mortgage Guarantee
At actual

Administrative Charges
Upto Rs.5000/- plus applicable taxes

Other penal charges, if any

Non Compliance of sanction / agreed Terms
Upto 2% charges per annum on principal outstanding for non compliance of agreed terms upto its fulfillment - (Charged on monthly basis) Subject to a Max of Rs 50000/- for Critical security related deferrals Max of Rs 25000/- for other deferrals

Conversion Fees/Charges
For Home Loan, HL Top UP & Plot Equity loan (Switch to lower rate in Variable rate loans ) Upto 0.50% of the Principal Outstanding and undisbursed amount (if any) at the time of Conversion or Rs 3000 (which ever is lower ) for 1st Conversion with charges. , for Subsequent conversions charges would be Upto 0.50% of the Principal Outstanding and undisbursed amount (if any) at the time of Conversion OR Rs 2000 ( which ever is lower ) . Switch from Combination rate home loan under fixed rate term/Fixed rate loan to Variable rate – Upto 1.50% of the Principal Outstanding

Payment Return Charges
Rs. 450/-

Premature closure charges
• Adjustable Rate Loans (ARHL) and Combination Rate Home Loan (“CRHL”) during the period of applicability of the Variable Rate of interest – Nil • Fixed Rate Loans (“FRHL”) and Combination Rate Home Loan (“CRHL”) during the period of applicability of the Fixed Rate of interest - 2% plus applicable taxes/statutory except when part or full prepayment is being made through own sources

Property Document Retention charges
Rs. 1000 per calendar month, after 2 calendar months from date of closure of all loans/facilities linked to the collateral

Own Sources: *the expression "own sources" for this purpose means any source other than borrowing from a Bank/HFC/NBFC or Financial Institution. The Borrower will be required to submit such documents that HDFC may deem fit & proper to ascertain the source of funds at the time of prepayment of the loan. 1. All the above charges/fees/Commissions are exclusive of taxes. All government taxes are applicable. 2. 10% discount to senior citizens on all the service charges 3. Service charges/Fees/Commissions may be revised with approval of Business Head in case of regulatory requirement. 4. NIL Premature Closure Charges /Foreclosure/ Prepayment Charges for Fixed rate loan facility up to Rs. 50 Lakh availed by Micro & Small Enterprises. 5. NIL Processing Fees for loan facility up to Rs. 5 Lakh availed by Micro & Small Enterprises subject to URC submission prior to disbursal 6. Interest rate of 18% p.a. will be levied on the amount utilized above the Operating Limit of overdraft facility. (Applicable for DOD facility only). 7. Penal Charges will be realised on cash basis 8. Interest will be charged on unpaid EMI for the number of days  EMI is late. This interest is calculated @ loan’s contracted rate and will be added to next EMI. 9. The Borrower will be required to submit such documents that HDFC Bank may deem fit & proper to ascertain the source of funds at the time of prepayment of the loan 10. Processing fee, administrative fee, stamp duty, cersai fee and all other charges are non refundable

In the event of default, the details of authorised associate to approach for recovery of dues will be intimated to you through a payment reminder communication and any change in details would be intimated to you thereon. List of authorised associates empanelled for handling collections are updated on the banks website for reference.

[H3] Other Charges

Other Charges

Incidental Charges
Incidental charges and expenses are levied to cover the cost, charges, expense and other monies as per actuals applicable to a case.

Stamp Duty/ MOD/ MOE/ Registration
As applicable in the respective States.

Fees/Charges levied by Regulatory /government  entities such as CERSAI
As per actual charges/ fee levied by Regulatory bodies + applicable taxes/ statutory levies

Fees/Charges levied by such third parties such as mortgage guarantee company
As per actual fee/ charges levied by any third party(ies) + applicable taxes/ statutory levies

• 10% discount to senior citizens on all the service charges

[H3] Conversion Charges

Conversion Charges

Switch to Lower Rate in Variable rate Loans (Housing/ Extension/ Renovation  / Plot / Top Up)
Upto 0.50% of the Principal Outstanding and undisbursed amount (if any) at the time of Conversion or Rs 3000 (which ever is lower)

Switch from Combination Rate home loan under fixed rate term / fixed rate loan to Variable rate
Upto 1.50% of the Principal Outstanding and Undisbursed amount (if any)+ applicable taxes / statutory levies at the time of Conversion.

Conversion of ROI from floating to fixed (who have availed EMI based floating rate Personal Loans )
Please refer the RBI circularNo.DBR.No.BP.BC.99/08.13.100/2017-18 on “XBRL Returns – Harmonization of Banking Statistics” dated January 04, 2018.”  Upto Rs.3000/- + applicable taxes / statutory levies.

[H3] Miscellaneous Receipts

Miscellaneous Receipts

Payment Return Charges
Rs. 300/- Per Dishonor.

Photocopy of Documents
Upto Rs. 500/- + applicable taxes / . statutory levies

Fees on account of External Opinion – such as legal/technical verifications.
As per actuals.

List of documents charges- for issuance of duplicate list of documents post disbursement
Upto Rs. 500/- + applicable taxes / statutory levies.

Repayment Mode Changes
Upto Rs. 500/- + applicable taxes / statutory levies.

Custody Charges/Property Document Retention charges
Rs. 1000 per calendar month, after 2  calendar months from date of closur

[H1] Plot Loans
When you own a plot of land, you can build a space that is uniquely yours. HDFC Bank's Plot Loans help you acquire the land for your home so that you can start turning your dream home into reality.

Apply Online

[H2] Plot Loan EMI Calculator

Loan Amount
₹
₹1 Lac ₹10 Cr

Tenure (Years)

1 30

Interest Rate (% P.A.)
%
0.5 15

Monthly Home Extension Loan EMI
₹198341

Principal Amount
₹198341

Interest Amount
₹198341

Total Amount Payable
₹198341

Request Call Back

Rates & Offers
Calculators
Documents
Fees & Charges
Rates offered to Customer (Past Quarter)
FAQ & More

Benefits & Features
FAQs
Terms and Conditions

[H2] Interest Rates

[H2] All rates are benchmarked to Policy Repo Rate. Current applicable Repo Rate = 5.20%

Special Home Loan Rates for Salaried & Self Employed (Professionals & Non-Professionals)

Loan Slab
Interest Rates (% p.a.)

For All Loans*
Policy Repo Rate + 2.50% to 7.95%= 7.75% to 13.20%

[H2] Calculators

Eligibility Calculator
How much loan can I borrow?

Affordability Calculator
What should be the budget for my home?

Refinance Calculator
How much can I save on my EMIs?

We are unable to show you any offers currently as your current EMIs amount is very high. You can go back and modify your inputs if you wish to recalculate your eligibility.
Close

Gross Income (Monthly)
₹
₹ 10 K ₹ 1 Cr

Tenure (Years)

1 30

Interest Rate (% P.A.)
%
0.5 % 15%

Other EMIs (Monthly)
₹
₹ 0 ₹ 1 Cr

Your Plot Loan Eligibility
₹ 11,86,698

Your Plot Loan EMI will be
₹ 11,86,698 /monthly

Apply Online

We are unable to show you any offers currently as your current EMIs amount is very high. You can go back and modify your inputs if you wish to recalculate your eligibility.
Close

Down Payment
₹
₹ 1000 ₹ 1 Cr

Gross Income (Monthly)
₹
₹ 10 K ₹ 1 Cr

Tenure (Years)

1 30

Interest Rate (% P.A.)
%
0.5 % 15 %

Other EMIs (Monthly)
₹
₹ 0 ₹ 1 Cr

You are Eligible for a Loan Amount upto
₹ 11,86,698

Property Cost
₹ 11,86,698

Apply Now Let Us Contact You

[H3] Existing Loan
Principal Outstanding
₹
₹ 1 Lac ₹ 10 Cr

Tenure (Years)

1 30

Interest Rate (% P.A.)
%
0.5 % 15 %

[H3] Loan from HDFC Bank Plot Loans
Tenure (Years)

1 30

Interest Rate (% P.A.)
%
0.5% 15%

Total Saving in Cash Outflow
₹ 11,86,698

Existing EMI
₹ 11,86,698

Proposed EMI
₹ 11,86,698

SAVING IN EMI
₹ 11,86,698

Apply Now Let Us Contact You

[H2] Documents

For loan approval, you need to submit the following documents for applicant / all co-applicants along with the completed and signed home loan application form.

KYC Documents

Income Documents

Property related Documents

Other Requirements

A
Sr.No.
Mandatory Documents

1
PAN Card or Form 60 (If the customer does not have a PAN Card)

B
Sr.No.
Description of Officially Valid Documents (OVD) that can be accepted for establishing the legal name & current address of Individuals*[Any one of the following documents can be submitted]
Identity Proof
Address Proof

1
Passport, the validity of which has not expired.
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2
Driving license which has not expired.
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3
Election /Voters identification card
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4
Job card issued by NREGA duly signed by the officer of the State Government
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5
Letter issued by the National Population Register containing details of name, address.
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6
Proof of possession of Aadhaar Number (to be obtained voluntarily)
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A document mentioned above shall be deemed to be an OVD even if there is a change in the name subsequent to issuance provided it is supported by a marriage certificate issued by State Government or Gazette notification, indicating such a change of name.

Document
Salaried
Self Employed Professional
Self Employed Non Professional

Last 3 months' Salary Slips

Last 6 months' Bank Statements, showing salary credits

Latest Form-16 and IT returns

Income Tax Returns along with computation of income for at least the last 2 Assessment Years (of both the individual and the business entity and attested by a CA)

At least the last 2 years’ Balance Sheet and Profit & Loss A/c Statements, with Annexures / Schedules (of both the individual and the business entity and attested by a CA)

Last 12 months' Current A/c Statements of the business entity and Savings Account Statements of the individual

Document
Salaried
Self Employed Professional
Self Employed Non Professional

Copy of Allotment Letter / Buyer Agreement

Title Deeds including the previous chain of the property documents in resale cases

Document
Salaried
Self Employed Professional
Self Employed Non Professional

Own Contribution Proof
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Employment Contract / Appointment Letter in case current employment is less than year old
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Last 6 months' Bank Statements showing repayment of any ongoing loans
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Passport size photograph of all the applicants / co-applicants to be affixed on the Application form and signed across.
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Cheque for processing fee favouring HDFC Bank.
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Business Profile

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Latest Form 26 AS

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List of Directors and Shareholders with their individual shareholding certified by a CA / CS in case of the business entity being a company

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Memorandum and Articles of Association of the Company

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Partnership deed in case of the business entity being a partnership firm

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Details of ongoing loans of the individual and the business entity including the outstanding amount, instalments, security, purpose, balance loan term, etc.

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[H2] Housing Charges

Processing Fees & Charges

Conversion Fees

Miscellaneous Receipts

Pre Mature Closure/ Part Payment

Property Document Retention Charges

[H3] Processing Fees & Charges

Processing Fees & Charges

Processing fee/Loan processing charge (non-refundable)
Salaried / Self employed Professional Upto 0.50% of the loan amount or Rs. 4,000/- whichever is higher, plus applicable taxes. For Self-Employed Non-Professionals: Upto 1.50% of the loan amount or Rs. 5,000/- whichever is higher, plus applicable taxes. For NRI Loans Upto 1.50% of the Loan amount or Rs. 4,000/- whichever is higher  +  applicable taxes / statutory levies and charges. For Value Plus Loans Upto 1.50% of the Loan amount or Rs. 5000/- whichever is higher + applicable taxes / statutory levies and charges. For HDFC Reach Scheme Upto 2.00% of the loan amount+ applicable taxes / statutory levies. Processing Fee is non-refundable in nature

Re-Appraisal Of Loan After 6 Months From Sanction(applicable for housing and non-housing)
Salaried / Self employed Professional- Upto Rs. 3300/- For Self-Employed Non-Professionals/ NRI/ Value Plus Loans/ HDFC Reach Scheme/- Upto Rs. 5000

Conversion of ROI from floating to fixed(who have availed EMI based floating rate Personal Loans)*Please refer the RBI circularNo.DBR.No.BP.BC.99/08.13.100/2017-18 on “XBRL Returns – Harmonization of Banking Statistics” dated January 04, 2018.”.
Upto Rs. 3000/-

List Of Documents (For issuance of duplicate LOD post disburserment)
Upto Rs.500/-

Photocopy of Documents
Upto Rs. 500/-

Repayment Mode Change Charges
Upto Rs.500/-

Stamp Duty & Statutory / Regulatory Charges
At actual

Incidental Charges
At actual

Cersai Charges
At actual (upto Rs.100/-)

Mortgage Guarantee
At actual

Administrative Charges
Upto Rs.5000/- plus applicable taxes

Other penal charges, if any

Non Compliance of sanction / agreed Terms
Upto 2% charges per annum on principal outstanding for non compliance of agreed terms upto its fulfillment - (Charged on monthly basis) Subject to a Max of Rs 50000/- for Critical security related deferrals Max of Rs 25000/- for other deferrals

Conversion Fees/Charges
For Home Loan, HL Top UP & Plot Equity loan (Switch to lower rate in Variable rate loans ) Upto 0.50% of the Principal Outstanding and undisbursed amount (if any) at the time of Conversion or Rs 3000 (which ever is lower ) for 1st Conversion with charges. , for Subsequent conversions charges would be Upto 0.50% of the Principal Outstanding and undisbursed amount (if any) at the time of Conversion OR Rs 2000 ( which ever is lower ) . Switch from Combination rate home loan under fixed rate term/Fixed rate loan to Variable rate – Upto 1.50% of the Principal Outstanding

Payment Return Charges
Rs. 450/-

Premature closure charges
• Adjustable Rate Loans (ARHL) and Combination Rate Home Loan (“CRHL”) during the period of applicability of the Variable Rate of interest – Nil • Fixed Rate Loans (“FRHL”) and Combination Rate Home Loan (“CRHL”) during the period of applicability of the Fixed Rate of interest - 2% plus applicable taxes/statutory except when part or full prepayment is being made through own sources

Property Document Retention charges
Rs. 1000 per calendar month, after 2 calendar months from date of closure of all loans/facilities linked to the collateral

Own Sources: *the expression "own sources" for this purpose means any source other than borrowing from a Bank/HFC/NBFC or Financial Institution. The Borrower will be required to submit such documents that HDFC may deem fit & proper to ascertain the source of funds at the time of prepayment of the loan. 1. All the above charges/fees/Commissions are exclusive of taxes. All government taxes are applicable. 2. 10% discount to senior citizens on all the service charges 3. Service charges/Fees/Commissions may be revised with approval of Business Head in case of regulatory requirement. 4. NIL Premature Closure Charges /Foreclosure/ Prepayment Charges for Fixed rate loan facility up to Rs. 50 Lakh availed by Micro & Small Enterprises. 5. NIL Processing Fees for loan facility up to Rs. 5 Lakh availed by Micro & Small Enterprises subject to URC submission prior to disbursal 6. Interest rate of 18% p.a. will be levied on the amount utilized above the Operating Limit of overdraft facility. (Applicable for DOD facility only). 7. Penal Charges will be realised on cash basis 8. Interest will be charged on unpaid EMI for the number of days  EMI is late. This interest is calculated @ loan’s contracted rate and will be added to next EMI. 9. The Borrower will be required to submit such documents that HDFC Bank may deem fit & proper to ascertain the source of funds at the time of prepayment of the loan 10. Processing fee, administrative fee, stamp duty, cersai fee and all other charges are non refundable

In the event of default, the details of authorised associate to approach for recovery of dues will be intimated to you through a payment reminder communication and any change in details would be intimated to you thereon. List of authorised associates empanelled for handling collections are updated on the banks website for reference.

[H3] Other Charges

Other Charges

Incidental Charges
Incidental charges and expenses are levied to cover the cost, charges, expense and other monies as per actuals applicable to a case.

Stamp Duty/ MOD/ MOE/ Registration
As applicable in the respective States.

Fees/Charges levied by Regulatory /government  entities such as CERSAI
As per actual charges/ fee levied by Regulatory bodies + applicable taxes/ statutory levies

Fees/Charges levied by such third parties such as mortgage guarantee company
As per actual fee/ charges levied by any third party(ies) + applicable taxes/ statutory levies

• 10% discount to senior citizens on all the service charges

[H3] Conversion Charges

Conversion Charges

Switch to Lower Rate in Variable rate Loans (Housing/ Extension/ Renovation  / Plot / Top Up)
Upto 0.50% of the Principal Outstanding and undisbursed amount (if any) at the time of Conversion or Rs 3000 (which ever is lower)

Switch from Combination Rate home loan under fixed rate term / fixed rate loan to Variable rate
Upto 1.50% of the Principal Outstanding and Undisbursed amount (if any)+ applicable taxes / statutory levies at the time of Conversion.

Conversion of ROI from floating to fixed (who have availed EMI based floating rate Personal Loans )
Please refer the RBI circularNo.DBR.No.BP.BC.99/08.13.100/2017-18 on “XBRL Returns – Harmonization of Banking Statistics” dated January 04, 2018.”  Upto Rs.3000/- + applicable taxes / statutory levies.

[H3] Miscellaneous Receipts

Miscellaneous Receipts

Payment Return Charges
Rs. 300/- Per Dishonor.

Photocopy of Documents
Upto Rs. 500/- + applicable taxes / . statutory levies

Fees on account of External Opinion – such as legal/technical verifications.
As per actuals.

List of documents charges- for issuance of duplicate list of documents post disbursement
Upto Rs. 500/- + applicable taxes / statutory levies.

Repayment Mode Changes
Upto Rs. 500/- + applicable taxes / statutory levies.

Custody Charges/Property Document Retention charges
Rs. 1000 per calendar month, after 2  calendar months from date of closure of all loans/facilities linked to the collateral

Charges levied on account of non- adherence of sanction terms agreed by customer at the time of disbursement of the loan.
Upto 2% charges per annum on principal outstanding for non- compliance of agreed terms upto its fulfilment- (charged on monthly basis) subject to cap of Rs. 50000/- for critical security related deferrals. Max Rs. 25000/- for other deferrals.

[H3] Pre Mature Closure / Part Payment

Pre Mature Closure / Part Payment Charges

A. Adjustable Rate Loans (ARHL) and Combination Rate Home Loan (“CRHL”) during the period of applicability of the Variable Rate of interest
For loans sanctioned to individual borrowers with or without co-applicants, no prepayment charges shall be payable on account of part or full prepayments made through any sources* except when the loan is sanctioned for business purposes**.

B. Fixed Rate Loans (“FRHL”) and Combination Rate Home Loan (“CRHL”) during the period of applicability of the Fixed Rate of interest
For all loans s