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Home Loan

HDFC Bank Offers Home Loans Starting at 7.75 Percent in October 2026

HDFC Bank offers home loan interest rates starting from 7.75% p.a. benchmarked to the Policy Repo Rate in October 2026.

AS

Written by Aarav Sharma

Published 9 October 2026·2 min read

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Credsir Home Loan guide cover with a house icon

HDFC Bank has announced home loan interest rates starting from 7.75% per annum for October 2026. The interest rate structure applies to home loans, balance transfer loans, house renovation loans, and home extension loans. Borrowers can access these rates through adjustable-rate and trufixed options benchmarked to the central bank repo rate.

Loan Metric Rate or Limit Details
Starting Home Loan Interest Rate 7.75% p.a.
Current Applicable Repo Rate 5.25%
Policy Repo Rate Spread 2.50% to 7.95%
Effective Rate Range 7.75% to 13.20%
Maximum Repayment Tenure Up to 30 years

Applicable Loans and Benchmark Calculation

HDFC Bank links its Adjustable Rate Home Loan directly to the Policy Repo Rate of 5.25%. The bank calculates the final floating rate by adding a margin between 2.50% and 7.95% to the policy benchmark, creating an effective interest rate range of 7.75% to 13.20% p.a. Applicants can review prevailing market options across home loan interest rates to evaluate standard bank lending terms. The published rates apply to regular home financing, balance transfer loans, house renovation loans, and home extension loans. Borrowers can choose an adjustable-rate structure or a trufixed loan option. Under a trufixed loan, the interest rate remains fixed for a specific period, such as the initial two years, before converting into an adjustable-rate loan.

Factors Influencing Rates and Loan Features

Specific credit criteria decide the precise margin assigned to individual borrowers by HDFC Bank. A strong credit score demonstrates creditworthiness and helps applicants secure a lower interest rate offer from the lender. Prospective home buyers can assess their overall home loan eligibility before submitting their loan documentation. The bank reviews income stability, employment history, requested loan amount, and property valuation when approving financing limits. Lenders generally provide home loans covering 80% to 90% of the property value. Customers deciding between a fixed vs floating rate product should note that floating rates adjust automatically whenever the central bank changes the Policy Repo Rate. HDFC Bank provides repayment tenures extending up to 30 years on these home finance packages.

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