Home Loan
50K+ Monthly · ₹137 CPC
📅 June 2026 · ✍️ Karthik, Vijayawada AP · ⏱ 7 min read
HDFC Home Loan Calculator 2026 EMI, Eligibility & Interest Rate
Calculate HDFC Bank home loan EMI for 2026. Current interest rate 8.70%, eligibility calculator, processing fee, comparison with SBI and ICICI.
HDFC Bank Home Loan Interest Rates 2026
HDFC Bank is India's largest private sector home loan provider. Known for fast approval and excellent customer service, HDFC offers home loans starting from 8.70% p.a. in 2026.
| Loan Amount | Salaried Rate | Self-Employed Rate | Women Borrower Rate |
|---|---|---|---|
| Up to ₹30 Lakh | 8.70% | 8.75% | 8.65% |
| ₹30 - ₹75 Lakh | 8.75% | 8.80% | 8.70% |
| ₹75 Lakh - ₹3 Crore | 8.80% | 8.85% | 8.75% |
| Above ₹3 Crore | 8.90% | 8.95% | 8.85% |
HDFC vs SBI Home Loan — Which is Better in 2026?
| Feature | HDFC Bank | SBI | Winner |
|---|---|---|---|
| Starting Rate | 8.70% | 8.50% | 🏆 SBI |
| Processing Fee | 0.50% + GST | 0.35% + GST | 🏆 SBI |
| Approval Speed | 3-5 days | 7-10 days | 🏆 HDFC |
| Customer Service | Excellent | Good | 🏆 HDFC |
| Digital Process | Fully paperless | Mostly digital | 🏆 HDFC |
On ₹50 lakh loan for 20 years: SBI at 8.50% = EMI ₹43,391 vs HDFC at 8.70% = EMI ₹44,222. Difference = ₹831/month = ₹9,972/year = ₹1,99,440 over 20 years. Use our EMI Calculator for your exact comparison.
HDFC Home Loan Eligibility Calculator 2026
| Monthly Salary | Max Loan (HDFC) | Monthly EMI (20yr @ 8.70%) |
|---|---|---|
| ₹50,000 | ₹30 Lakh | ₹26,533/month |
| ₹75,000 | ₹45 Lakh | ₹39,800/month |
| ₹1,00,000 | ₹60 Lakh | ₹53,066/month |
| ₹1,50,000 | ₹90 Lakh | ₹79,599/month |
| ₹2,00,000 | ₹1.2 Crore | ₹1,06,133/month |
Frequently Asked Questions
How to apply for HDFC home loan online? +
Apply at hdfc.com or HDFC Bank app. Fill form → Upload Aadhaar, PAN, salary slips → Get in-principle approval in 24-48 hours → Property verification → Disbursal in 3-5 days. Fully paperless process.
What is HDFC home loan processing fee? +
HDFC charges 0.50% of loan amount + 18% GST (minimum ₹3,000). On ₹50 lakh loan: ₹25,000 + GST = ₹29,500. Compare with SBI: 0.35% = ₹17,500 + GST = ₹20,650.
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📅 June 2026 · ✍️ Karthik, Vijayawada AP✅ Verified RBI 2026⭐ 4.8/5