HDFC Bank Home Loan EMI Calculator
Compute your monthly EMI for HDFC Bank home loans based on verified 2026 interest rates (8.7% - 9.4% p.a.), processing charges, and 30-year amortization schedules.
HDFC Bank Housing Loan Simulator
Benchmark ROI: 8.7%HDFC Bank EMI for Standard Loan Amounts (20-Year Tenure)
Pre-computed monthly installments across popular ticket sizes at HDFC Bank's benchmark rate range (8.7% - 9.4%):
| Loan Ticket Size | Monthly EMI Range (20Y) | Total Interest Outgo | Applicable ROI | Min Monthly Salary (50% FOIR) |
|---|---|---|---|---|
| ₹30 Lakh (₹30,00,000) | ₹26,416 - ₹27,768 / mo | ₹33,39,840 | 8.70% - 9.40% | ₹52,832 / mo |
| ₹50 Lakh (₹50,00,000) | ₹44,026 - ₹46,281 / mo | ₹55,66,240 | 8.70% - 9.40% | ₹88,052 / mo |
| ₹75 Lakh (₹75,00,000) | ₹66,039 - ₹69,421 / mo | ₹83,49,360 | 8.70% - 9.40% | ₹1,32,078 / mo |
| ₹1 Crore (₹1,00,00,000) | ₹88,052 - ₹92,561 / mo | ₹1,11,32,480 | 8.70% - 9.40% | ₹1,76,104 / mo |
HDFC Bank Home Loan Principal vs Interest Ratio
20-Year Amortization Trajectory
Everything You Need to Know About HDFC Bank Home Loans
HDFC Bank is one of the premier housing finance lenders in India. With interest rates indexed directly to the Reserve Bank of India repo rate through Repo-Linked Lending Rate (RLLR), borrowers benefit from direct transmission of RBI monetary rate cycles.
Key highlights of HDFC Bank home loans include: Fastest digital sanction, customized step-up and overdraft facilities. Per Reserve Bank of India mandates, floating-rate housing loans from HDFC Bank carry zero foreclosure or prepayment penalties for individual borrowers, allowing you to make part-prepayments whenever surplus funds are available.