HDFC Home Loan EMI Calculator
Calculate EMI for HDFC home loan at current HDFC Bank interest rates.
7.9% – 9.15% p.a.
0.5% (min ₹3,000)
Monthly EMI
₹41,511.36
Total Payment
₹99.63 L
Total Interest
₹49.63 L
Principal
50.19%
Interest
49.81%
Total EMIs
240
Loan closes
Jul 2046
Break-even
Year 20
Interest : Principal
49.81% : 50.19%
Outstanding balance at any month
About HDFC Home Loan EMI Calculator
HDFC Bank (merged with HDFC Ltd in 2023) is India's largest private sector home loan lender. HDFC uses MCLR (Marginal Cost of Funds based Lending Rate) for home loans rather than repo-linked rate, which means rate changes may take longer to pass through compared to SBI.
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HDFC Home Loan EMI by loan amount
Monthly EMI and total interest at 7.9% for 20 years — the typical rate and tenure for a HDFC home loan. Change any value in the calculator above to match your own loan.
| Loan amount | Monthly EMI | Total interest |
|---|---|---|
| ₹5 L | ₹4,151 | ₹4.96 L |
| ₹10 L | ₹8,302 | ₹9.92 L |
| ₹20 L | ₹16,605 | ₹19.85 L |
| ₹30 L | ₹24,907 | ₹29.78 L |
| ₹50 L (default) | ₹41,511 | ₹49.63 L |
| ₹1 Cr | ₹83,023 | ₹99.26 L |
₹50 L HDFC Home Loan EMI by tenure
| Tenure | Monthly EMI | Total interest |
|---|---|---|
| 10 years | ₹60,400 | ₹22.48 L |
| 15 years | ₹47,494 | ₹35.49 L |
| 20 years (default) | ₹41,511 | ₹49.63 L |
| 25 years | ₹38,260 | ₹64.78 L |
| 30 years | ₹36,340 | ₹80.82 L |
Stretching a ₹50 L HDFC home loan from 10 to 30 years lowers the EMI by ₹24,060/month but adds ₹58.34 L in extra interest. Pick the shortest tenure your budget comfortably allows.
How HDFC compares on home loan rates
HDFC's starting home loan rate of 7.9% is the lowest among the major banks we track (the sector average is 8.28%, and HDFC currently starts lowest at 7.9%). On a ₹50 L loan for 20 years, that gives you one of the lowest EMIs available — about ₹41,511/month.
| Bank | From rate | EMI (20yr) | Processing fee |
|---|---|---|---|
| State Bank of India | 8.25% | ₹42,603 | ₹10,000 + GST |
| HDFC Bank (this page) | 7.9% | ₹41,511 | 0.5% (min ₹3,000) |
| ICICI Bank | 8.5% | ₹43,391 | 0.5% |
| Kotak Mahindra Bank | 8.25% | ₹42,603 | 0.5% |
| Axis Bank | 8.5% | ₹43,391 | 1% (min ₹10,000) |
Starting rates for salaried borrowers with a 750+ CIBIL score, as of 2026-07-14. EMI shown for a ₹50 L loan over 20 years. Actual rates depend on your profile — always confirm on the bank's website.
Frequently Asked Questions
What is the EMI on a ₹50 L HDFC home loan at 7.9%?▾
At 7.9% for 20 years, the EMI on a ₹50 L HDFC home loan is about ₹41,511 per month. Over the full term you repay ₹99.63 L — ₹50 L of principal plus ₹49.63 L of interest, which is 99% of what you borrow. Adjust the amount, rate, and tenure above for your exact figures.
Is HDFC's home loan rate competitive?▾
Yes — HDFC's starting rate of 7.9% is currently the lowest among the major banks we track, so on a ₹50 L loan for 20 years you already get one of the lowest EMIs (about ₹41,511/month). Your actual rate still depends on your credit profile, so confirm your offer before signing.
What is the current HDFC home loan interest rate?▾
HDFC home loans start at 7.9% p.a. - currently one of the most competitive rates in India. Rates can go up to 9.15% based on profile.
How is HDFC's rate different from SBI?▾
HDFC uses MCLR for pricing while SBI uses repo-linked RLLR. RLLR adjusts faster with RBI rate changes. HDFC's floating rate changes quarterly based on MCLR resets.
What is the maximum home loan I can get from HDFC?▾
HDFC finances up to 90% of the property value for loans below ₹30L (75–80% for higher value properties). Maximum loan amount is based on your repayment capacity (EMI ≤ 50% of net income).
Does HDFC offer balance transfer from other banks?▾
Yes - HDFC offers home loan balance transfer (BT) from other banks, often with a lower interest rate. Processing fees apply, but interest savings over 10–20 years can far outweigh them.
What is HDFC home loan processing fee?▾
HDFC charges 0.5% of the loan amount (minimum ₹3,000) as processing fee. This is typically non-refundable even if the loan is not disbursed.