HDFC Bank Home Loan EMI Calculator
HDFC Bank home loan EMI for different amounts (at 8.75%, 20 years)
| Loan amount | Monthly EMI | Total interest |
|---|---|---|
| ₹10 Lakh | ₹8,837 | ₹11.21 L |
| ₹20 Lakh | ₹17,674 | ₹22.42 L |
| ₹30 Lakh | ₹26,511 | ₹33.63 L |
| ₹50 Lakh | ₹44,186 | ₹56.05 L |
| ₹75 Lakh | ₹66,278 | ₹84.07 L |
| ₹1 Crore | ₹88,371 | ₹1.12 Cr |
HDFC Bank currently offers home loans at 8.75% p.a. (floating, starting rate as of June 2026). A ₹30 lakh loan over 20 years costs about ₹26,511/month with roughly ₹33.63 L in interest. Want a shorter tenure or planning to prepay? Use the calculator above — it shows total interest, year-by-year amortisation and prepayment savings.
Always confirm the exact rate with your HDFC Bank branch or relationship manager; rates change with RBI repo-rate announcements and individual credit profiles.
What is HDFC Bank's current home loan interest rate?
HDFC Bank currently offers home loans starting at 8.75% per annum (floating). Actual rate depends on your credit score, loan amount and employment type. Use the calculator above to see the EMI at the exact rate you're offered.
What is the EMI for a ₹30 lakh HDFC Bank home loan?
At 8.75% for 20 years, the EMI for a ₹30 lakh home loan from HDFC Bank is about ₹26,511 per month. Total interest over 20 years would be roughly ₹33.63 L. Shorter tenures reduce total interest but raise the monthly EMI.
What is HDFC Bank's home loan processing fee?
HDFC Bank charges a processing fee of approximately 0.50% (min ₹3,000) on home loans. This is a one-time, non-refundable charge. Factor it into your true cost — the calculator above includes a processing fee field under True Cost.
Is HDFC Bank good for a home loan?
One of India's top private banks. Key factors to compare across banks: interest rate, processing fee, prepayment charges (most public-sector banks charge 0 on floating-rate loans), customer service, and turnaround time. Always get an offer letter from 2–3 banks before deciding.