HDFC Loan Calculator

Instantly calculate your HDFC personal loan or home loan EMI, total interest, and repayment schedule. Free, real-time, no sign-up required.

HDFC Loan EMI Calculator

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HDFC personal loan processing fee up to ₹6,500 + GST
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Include all current loan EMIs to estimate affordability.
Monthly EMI
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Total Interest
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Principal Amount
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Total Payable
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Principal vs Interest vs Fees
Quick Facts
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  • Tenure-
  • EMI-to-Income-
  • Eligibility Status-

Detailed EMI Breakdown

HDFC home loan EMI calculator, HDFC personal loan interest rate, home loan eligibility calculator HDFC
Outstanding Balance Over Time

Cost Breakdown

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Personalised Tips

    Amortization Schedule

    Month EMI Principal Interest Balance
    Guide

    How to Use the HDFC Loan Calculator

    1

    Select Loan Type

    Choose between HDFC Personal Loan or Home Loan using the tabs above the calculator.
    2

    Enter Loan Amount

    Input the amount you wish to borrow. HDFC personal loans go up to ₹40 Lakhs; home loans up to ₹10 Crore.
    3

    Set Tenure

    Personal loans: 12–60 months. Home loans: up to 30 years. Longer tenure = lower EMI but higher total interest.
    4

    Input Interest Rate

    Use HDFC's current rate (personal: 10.90%–24%; home: 8.50%–9.80%) or your pre-approved offer rate.
    5

    Add Income & Existing EMIs

    Enter your monthly income and current EMI obligations to check your eligibility status.
    6

    Review Results

    Analyse the EMI, total interest, amortization schedule, and personalised tips before applying.

    HDFC Loan Interest Rates & Eligibility Explained

    Understand how HDFC personal loan and home loan interest rates work, and what affects your eligibility.

    HDFC Personal Loan Interest Rate (2025)

    HDFC Bank personal loan interest rates range from 10.90% to 24% p.a. on a fixed reducing-balance basis. Your actual rate depends on your CIBIL score, monthly income, employer profile, and loan amount.

    The Golden Edge program offers preferential rates for borrowers earning ₹75,000+/month with loans above ₹10 Lakhs, including zero prepayment charges after 12 EMIs.

    • Minimum CIBIL score: 720 for standard approval
    • Loan amount: up to ₹40 Lakhs (₹75 Lakhs for select profiles)
    • Tenure: 12 to 60 months
    • Processing fee: up to ₹6,500 + GST

    HDFC Home Loan Interest Rate (2025)

    HDFC Bank home loan rates start at 8.50% p.a. for salaried employees and 8.70% p.a. for self-employed individuals. Rates are linked to the RBI repo rate and vary by loan slab.

    Women applicants receive a 5 basis point concession. The RBI cut the repo rate by 50 bps in 2025, bringing home loan rates to their most competitive level in years.

    • Up to ₹30 Lakh: 8.95%–9.50% p.a.
    • ₹30–75 Lakh: 9.20%–9.75% p.a.
    • Above ₹75 Lakh: 9.30%–9.85% p.a.
    • Maximum tenure: 30 years | LTV: up to 90%

    Home Loan Eligibility Calculator HDFC

    HDFC assesses eligibility based on your net monthly income, age, CIBIL score, existing EMI obligations, and employment type. Salaried applicants need a minimum income of ₹10,000/month; self-employed need ₹2 Lakh/year.

    A general rule: your total EMI obligations (including the new loan) should not exceed 50% of your net monthly income. Use the calculator above to check your EMI-to-income ratio instantly.

    • Age: 21–65 years (salaried and self-employed)
    • CIBIL score: 720–750 recommended
    • Co-applicant income can boost eligibility by 20–30%
    • PMAY 2.0 subsidy available for incomes up to ₹9 Lakh/year

    Loan Scenarios

    Apply a scenario to instantly see EMI, total interest, and eligibility for common HDFC loan profiles.

    Salaried: ₹5L Personal Loan

    Standard personal loan for a mid-income salaried employee.
    Rate 12% p.a.
    Tenure 36 months
    Income ₹50,000/mo

    Golden Edge: ₹15L Personal Loan

    Premium personal loan with lower rate for high-income borrowers.
    Rate 10.9% p.a.
    Tenure 60 months
    Income ₹1L/mo

    Home Loan: ₹50L First-Time Buyer

    Typical home loan for a first-time buyer in a metro city.
    Rate 8.75% p.a.
    Tenure 20 years
    Income ₹1L/mo

    Home Loan: ₹1Cr Premium Property

    Large home loan for premium property with maximum tenure.
    Rate 9.35% p.a.
    Tenure 30 years
    Loan ₹1 Crore

    HDFC vs ICICI vs SBI Loan Comparison

    Compare personal loan interest rates across India's top banks to find the best deal.

    ICICI personal loan calculator, SBI home loan EMI calculator, home loan interest rate comparison
    Feature HDFC Bank ICICI Bank SBI
    Personal Loan Rate 10.90% – 24.00% p.a. 10.99% – 16.50% p.a. 11.15% – 15.30% p.a.
    Home Loan Rate 8.50% – 9.85% p.a. 8.75% – 9.70% p.a. 8.50% – 9.65% p.a.
    Max Personal Loan ₹40 Lakhs (₹75L select) ₹50 Lakhs ₹20 Lakhs
    Max Home Loan ₹10 Crore ₹5 Crore No upper limit
    Personal Loan Tenure 12 – 60 months 12 – 60 months 12 – 72 months
    Home Loan Tenure Up to 30 years Up to 30 years Up to 30 years
    Processing Fee Up to ₹6,500 + GST Up to 2.5% of loan 0.35% (min ₹2,000)
    Min CIBIL Score 720 700 650

    HDFC Home Loan Eligibility Calculator

    Enter your income and existing EMIs to instantly find out how much loan you qualify for — based on HDFC's FOIR (Fixed Obligation to Income Ratio) norms.

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    Include all current loan and credit card EMIs.
    Estimated Maximum Loan Amount
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    FOIR (Fixed Obligation to Income Ratio) -
    0%Ideal ≤ 50%100%
    * Eligibility estimate is based on HDFC's standard FOIR norms (50% for personal loans, 55% for home loans). Actual approval depends on CIBIL score, employment type, age, and HDFC Bank's internal assessment.

    HDFC Loan Calculator – Frequently Asked Questions

    Answers to the most common questions about HDFC personal loan and home loan EMI calculation.

    HDFC Bank personal loan interest rates range from 10.90% to 24% p.a. (as of 2025). Your actual rate depends on your CIBIL score, monthly income, employer profile, and loan amount. Borrowers with a CIBIL score above 750 and stable employment typically qualify for rates closer to the lower end.

    HDFC home loan EMI is calculated using the formula: EMI = [P × R × (1+R)^N] / [(1+R)^N – 1], where P is the principal, R is the monthly interest rate (annual rate ÷ 12), and N is the number of months. For example, a ₹50 Lakh loan at 8.75% p.a. for 20 years gives an EMI of approximately ₹44,000/month.

    HDFC Bank home loan rates start at 8.50% p.a. for salaried employees and 8.70% p.a. for self-employed individuals. Rates vary by loan slab: up to ₹30L (8.95%–9.50%), ₹30–75L (9.20%–9.75%), and above ₹75L (9.30%–9.85%). Women applicants get a 5 bps concession. Rates have declined in 2025 following RBI's 50 bps repo rate cut.

    HDFC home loan eligibility depends on your age (21–65), monthly income (min ₹10,000 for salaried), CIBIL score (720–750 recommended), and existing EMI obligations. A general rule is that your total EMIs should not exceed 50% of your net monthly income. Use the eligibility calculator above to get an instant estimate.

    For personal loans, HDFC offers up to ₹40 Lakhs (₹75 Lakhs for select high-income profiles under the Golden Edge program). For home loans, HDFC finances up to ₹10 Crore, with LTV up to 90% for loans below ₹30 Lakh and 80% for higher amounts.

    HDFC personal loan prepayment charges are: 4% of outstanding principal for payments within 13–24 months, 3% for 25–36 months, and 2% after 36 months. Part-payments are allowed only twice during the loan tenure and once per financial year. Golden Edge customers (income ≥ ₹75,000/month) can prepay for free after 12 EMIs.

    HDFC personal loan rates (10.90%–24%) are broadly comparable to ICICI (10.99%–16.50%) and SBI (11.15%–15.30%). HDFC offers the fastest disbursal (10 seconds for pre-approved customers) and the highest loan amount (₹40L standard). SBI typically has lower processing fees (0.35%). ICICI offers up to ₹50L. The best choice depends on your credit profile and relationship with the bank.

    Yes. You can reduce your HDFC home loan rate by: (1) maintaining a CIBIL score above 750, (2) making a larger down payment to lower the LTV ratio, (3) opting for a shorter tenure, (4) switching from a fixed to a floating rate when market rates fall, or (5) transferring your loan balance to HDFC from another lender at a lower rate. HDFC also offers special rates during festive seasons.

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