HDFC Bank home loan EMI calculator
This calculator starts at HDFC Bank's lowest published rate of 7.75%, so the first EMI you see is the best case. Its published range runs from 7.75% to 13.2%. The processing fee is Up to 0.50% of loan + taxes, min about Rs 3,000-4,000, and the longest tenure is 30 years. Your own rate depends on your credit score, income, loan amount and property type. It can be higher than the starting rate. A longer tenure lowers the EMI but raises the total interest, so try a few combinations below. The table shows the monthly EMI at 7.75% for common loan amounts and tenures. We collected these figures from public sources on 2026-10-26. Banks change rates often, so confirm with HDFC Bank before you apply. If you already pay a floating rate with HDFC Bank or another lender, our guide on lowering your rate lists your options.
Indicative, updated 2026-10-26. Source
₹50 L
- Principal amount
- Total interest
- Monthly EMI
- ₹41,047
- Principal amount
- ₹50,00,000
- Total interest
- ₹48,51,383
- Total amount
- ₹98,51,383
You'll pay ₹48.51 L interest on a ₹50 L loan.
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Worth knowing
Interest vs loan
You repay 0.97× your loan in interest alone.
When it tips
From year 12, more of each EMI repays the loan than pays interest.
One extra EMI a year
Pay one extra EMI each year to save ₹8.54 L and finish 3 years sooner.
| Loan amount | 10 years | 15 years | 20 years | 25 years | 30 years |
|---|---|---|---|---|---|
| ₹25 L | ₹30,003 | ₹23,532 | ₹20,524 | ₹18,883 | ₹17,910 |
| ₹50 L | ₹60,005 | ₹47,064 | ₹41,047 | ₹37,766 | ₹35,821 |
| ₹75 L | ₹90,008 | ₹70,596 | ₹61,571 | ₹56,650 | ₹53,731 |
| ₹1 Cr | ₹1,20,011 | ₹94,128 | ₹82,095 | ₹75,533 | ₹71,641 |
Common questions
- What is the HDFC Bank home loan interest rate?
- HDFC Bank home loan rates start at 7.75%. Its published range runs from 7.75% to 13.2%. Your rate depends on your credit score, loan size and income.
- What is the HDFC Bank processing fee?
- The published fee is Up to 0.50% of loan + taxes, min about Rs 3,000-4,000. Fees and taxes change, so ask HDFC Bank for the current figure before you apply.
- What is the longest home loan tenure at HDFC Bank?
- Up to 30 years, subject to your age and the bank's policy. A longer tenure gives a lower EMI but more total interest.
- Will I get the starting rate?
- Not always. The starting rate usually goes to borrowers with a strong credit score and stable income. Use the calculator to test a higher rate and see how the EMI changes.