Nifty Share Price News Desk, Mumbai, 06 March 2026: HDFC Bank, one of the largest private sector banks in India, is offering attractive interest rates for customers taking home loans. As of today (5 March 2026), HDFC Home loan interest rate start from 7.75% and can go up to 13.20%. These rates are mainly based on the policy repo rate (currently 5.25%), with the bank adding a spread of +2.50% to +7.95%. According to various sources, interest rates for regular home loans range between 8.75% and 9.95% p.a., while special schemes (such as TruFixed or for women) offer lower rates.
RBI kept the repo rate unchanged in February 2026, so there hasn’t been a big change in interest rates. HDFC Bank made some changes to the MCLR (Marginal Cost of Funds based Lending Rate) in February, cutting the 3-year tenure by 5 bps to 8.50%. This benefits customers taking MCLR-linked home loans. The bank applies these rates for options like Adjustable Rate Home Loan (ARHL), TruFixed (first 2 years fixed) and Balance Transfer. Customers also get special discounts for women and some benefits for senior citizens.
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HDFC Bank’s home loan products vary according to customer needs:
Regular home loans, plot loans, rural housing, home renovation, top-up loans, etc. Processing fees and other charges differ, but the bank tries to maintain transparency.
What is the HDFC Home Loan Eligibility Criteria?
HDFC Bank determines eligibility for a home loan mainly based on income, age, credit score and job/business.
- Age: 21 to 65 years for salaried individuals; 21 to 65 years for self-employed (up to 70 in some cases).
- Minimum income: ₹10,000 per month for salaried; ₹2 lakh per year for self-employed.
- Nationality: Indian resident or NRI
- Credit score: 650+ (getting good rates if 750+).
- Others: Good credit history, low liabilities and loan available up to 90% of property value.
What is the HDFC Home loan customer care
Toll-free helpline number for HDFC Bank home loan customers: 1800 210 0018 (available across India). You can give a missed call at +91-9289200017, or send an SMS ‘HDFCHOME’ to 56767. Other helplines: 1800 258 3838 or city-specific numbers (e.g., 011-64807999 for Delhi/Mumbai). Customers can also get in touch via the online portal or app.
How to download HDFC Home Loan Statement Online?
To download HDFC home loan statement online:
- Go to HDFC Bank’s home loan portal: https://portal.hdfc.com/
- Enter your loan account number and click ‘Submit’.
- You can see your loan; click on ‘View Details’.
- Select the period, then choose ‘Request’ and ‘Loan Statement’.
- Download via email or directly.
Also available through net banking (log in and go to the ‘Manage Loan’ section).
How to download HDFC Home Loan Interest Certificate online?
To download the interest certificate for income tax:
- Go to the HDFC home loan portal: https://portal.hdfc.com/loanapps/it-certificate (for FY 2024-25) or the relevant link for Provisional.
- Enter the loan account number and submit.
- You will see the name and email; select ‘View Details’ > ‘Request’ > ‘Income Tax Certificate’.
- Click on ‘Email’; the certificate will be sent by email or you can download it.
A separate facility is available for the Provisional Interest Statement for FY 2025-26.
HDFC Bank is encouraging customers to take home loans with online services and lower interest rates. For the latest updates, visit the official website https://homeloans.hdfc.bank.in/ or drop by the bank’s branch.
