HDFC Bank is India's largest private-sector bank and (post HDFC Ltd merger) the country's biggest home loan lender. Use this calculator with HDFC's indicative starting rates — or enter your actual offer — to plan your EMI before you apply.
Indicative HDFC Bank interest rates (August 2026)
| Loan Type | Indicative Rate (onwards) |
|---|---|
| Home Loan | ~8.9% p.a. |
| Personal Loan | ~10.75% p.a. |
| Car Loan | ~9.0% p.a. |
| Education Loan | ~9.3% p.a. |
| Gold Loan | ~8.7% p.a. |
| Business Loan | ~11.9% p.a. |
| LAP Loan | ~9.75% p.a. |
Eligibility (typical)
Salaried: 21–60 years, min income varies by city (often ₹25,000+/month for personal loans). Self-employed: 1–2 years ITR. CIBIL 750+ gets the best rate. Existing salary-account customers get faster approvals and pre-approved offers.
Application process
Apply on HDFC's site/app → soft eligibility check (no CIBIL hit) → upload documents + video KYC → sanction letter → e-sign → disbursal (often 24–72 hours).
Tips before you apply
Check Flexi Personal Loan (pay interest only on amount used) before a fixed personal loan. Home loan balance transfer + top-up is a strong HDFC product. Ask for processing-fee waivers in festive offers.
Frequently Asked Questions
A> Indicative starting rate ~8.9% p.a. (Aug 2026). Your final rate depends on CIBIL score, income, loan amount and tenure — use the calculator above with your actual offer.
A> An overdraft-style loan: you get a sanctioned limit, pay interest only on what you use, and can repay/re-borrow anytime within the limit.
A> Pre-approved offers to salary-account customers can disburse within minutes; fresh applications typically take 1–3 working days.
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