HDFC Bank — loan offers
HDFC Bank is one of India's largest private-sector banks, serving crores of customers across retail and corporate segments. It is known for quick digital lending journeys and a wide branch network spanning metros to smaller towns. Its retail loan book covers everything from unsecured personal credit to long-tenure home finance.
HDFC Bank
BankRates from
8.0%
per annum · indicative
5 products
Indicative HDFC Bank rates & fees
| Lender | Product | Interest (p.a.) | Processing fee | Tenure | Foreclosure | Source |
|---|---|---|---|---|---|---|
| HDFC Bank | Home Loan | 8% – 13.45% | — | Up to 30 years | — | Lender |
| HDFC BankUnverified | Car Loan | 8.4% onwards | Up to 0.5% (₹3,500–₹8,000) | From 12 months | 5% of outstanding (loans from 1 Dec 2025) | Lender |
| HDFC BankUnverified | Loan Against Property | 8.55% – 13% | Up to 1% (minimum ₹7,500) | — | Nil for floating-rate loans to individuals; 2.5% for business use or fixed rate (nil after 60 months) | Lender |
| HDFC BankUnverified | Personal Loan | 9.99% – 24% | Up to ₹6,500 + GST | — | 4% of outstanding up to 24 EMIs; 3% for 25–36 EMIs; 2% after 36 EMIs | Lender |
| HDFC BankUnverified | Business Loan | 10.75% – 22.5% | Up to 2% + taxes (nil for micro/small enterprises up to ₹5 lakh) | — | 4% up to 24 EMIs; 3% for 25–36 EMIs; 2% after 36 EMIs (nil for MSE fixed-rate up to ₹50 lakh) | Lender |
IndicativeRates & fees are indicative, last updated October 2026. Confirm current terms with the lender before applying. Unverifiedrows have not yet been manually confirmed against the lender's own page — treat them as an estimate only.
HDFC Bank MCLR — 7 October 2026
HDFC Bank cut its MCLR by 5–15 basis points across tenors, even though the RBI raised the repo rate to 5.50% the same day. The cut helps only MCLR-linked loans, at their next reset date. Repo-linked loans don't change when MCLR changes.
| Tenor | Previous | From 7 October 2026 | Change |
|---|---|---|---|
| Overnight | 7.90% | 7.80% | −10 bps |
| 1 month | 7.90% | 7.75% | −15 bps |
| 3 months | 8.05% | 7.95% | −10 bps |
| 6 months | 8.25% | 8.15% | −10 bps |
| 1 year | 8.35% | 8.30% | −5 bps |
| 2 years | 8.45% | 8.40% | −5 bps |
| 3 years | 8.60% | 8.55% | −5 bps |
Source: Business Standard, 8 Oct 2026. Benchmark rates, not the rate you will be offered. Your rate is the benchmark plus your spread. Confirm current rates on HDFC Bank's official website.
LoanServ is an authorised DSA and is not affiliated with, or an official channel of, HDFC Bank. All figures are indicative and sourced from public information; confirm current terms directly with the lender.
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