HDFC Bank Interest Rates Today

Updated 26 August 2026 · Reviewed by Nishit Kumar

Rates and fees

Updated 15 Aug 2026 · HDFC Bank’s rate cards and published comparisons, across 4 products

HDFC Bank products, rated

Home loan — 4.1 / 5

Mid-table on price. Fine, not cheap. It starts at 7.75%, while Bank of Baroda and Punjab National Bank start at 7.20%. On a ₹50 lakh loan over 20 years that gap costs about ₹4.03 lakh. What you get for it is a big branch network and quicker processing. One caution: the bank’s own rate card shows a much higher maximum rate than the comparison sites do, and we show both on the HDFC Bank home loan page. The cheapest provider we track for this product is Bank of Baroda at 7.20%, 0.55 percentage points cheaper; every lender’s standing figure is on home loan interest rates.

Personal loan — 4.3 / 5

The lowest advertised rate we track, but check the full range. At 9.99% it is the cheapest of the 8 lenders in our table. The processing fee is capped at ₹6,500 plus GST, while most rivals charge 2% to 5% of the loan — on a ₹20 lakh loan that saves you over ₹1 lakh. But the bank can charge up to 24.00%, so plan for the middle of that range. It is also a fixed-rate loan, which means closing it early may cost you. The full breakdown is on the HDFC Bank personal loan page.

Fixed deposit — 2.1 / 5

Its weakest product. You can do better elsewhere. It pays up to 6.50%, which is 9th of the 12 banks we track, while small finance banks pay up to 8.25%. On ₹5 lakh over three years that is ₹32,095 of extra interest you are giving up. Deposit insurance covers ₹5 lakh per person per bank either way, so below that amount you gain nothing by staying with a bigger bank. Also check the tenure — the best rate is in the three-year bucket, and a five-year FD pays less. The best-paying provider we track is Suryoday Small Finance Bank at 8.25%, 1.75 percentage points better; the full table is on best FD rates.

Credit cards — 3.0 / 5

Decent mid-market cards, and the cheaper ones score better. Four cards, scoring 2.8 to 3.2 out of 5 on our card formula. Tata Neu Infinity and Regalia Gold beat Infinia, even though Infinia gives more rewards. The reason is the fee: Infinia needs about ₹4.47 lakh of card spend a year to break even. Three of the four charge 2.0% on foreign spending, against the usual 3.5%, which helps if you travel. Each card is reviewed on HDFC Bank credit cards.

Should you use HDFC Bank?

Worth applying if

• You already bank with HDFC Bank and want a personal loan. It has the lowest rate we track, and your existing account works in your favour.
• You want a big personal loan. The fee is capped at ₹6,500, while rivals charge 2% to 5% of the loan.
• You want a home loan from a large private bank, and will pay 0.55 points more than the cheapest lender for the branch network and faster processing.
• You are a senior citizen who can lock money away for three years. That bucket pays a 0.60 point bonus instead of the usual 0.50.

Look elsewhere if

• You only care about the home loan rate. Bank of Baroda and Punjab National Bank start at 7.20% against 7.75% here — about ₹4.03 lakh more over a ₹50 lakh loan across 20 years.
• You want the best FD rate. Small finance banks pay up to 8.25% against 6.50% here, and deposit insurance is the same below ₹5 lakh.
• You plan to close a personal loan early. It is a fixed-rate loan, so the RBI ban on prepayment charges does not cover it.
• You want a premium credit card for the status. Infinia needs about ₹4.47 lakh of card spend a year before its rewards cover the fee.

Where HDFC Bank stands in the market

HDFC Bank is a private bank, based in Mumbai, started in 1994. In 2023 it merged with HDFC Ltd, the housing finance company, which made it the biggest private home loan lender in India. It is not the cheapest lender for any loan we track. Its home loan starts at 7.75%, against 7.20% at Bank of Baroda and Punjab National Bank, which puts it 10th of the 12 home loan lenders in our table. Its personal loan is a different story: it starts at 9.99%, the lowest of the 8 lenders we track.

There is a simple pattern here. Public sector banks fight hard on home loan rates and can afford to. Unsecured loans are priced on what the bank already knows about you. If your salary comes into an HDFC Bank account, the bank can see your money habits. A new customer walking in is a bigger risk, so they pay more.

Check the full rate range before you apply

Every loan has two rates: the one in the advert, and the highest one the bank can charge. The gap between them is what you should look at. The home loan runs 7.75% to 9.65%, a gap of 1.90 points. The personal loan runs 9.99% to 24.00%, a gap of 14.01 points.

Why so different? A home loan has your property behind it — if you stop paying, the bank can recover its money. A personal loan has nothing behind it, so the rate has to cover the whole risk, and a weak credit score can more than double what you pay. Treat 9.99% as a best case, not a plan, and assume something near the middle until the bank checks your file. On deposits it works the other way: HDFC Bank pays up to 6.50% on an FD against up to 8.25% at small finance banks, so you give up 1.75 points for a bigger bank. DICGC insurance covers ₹5 lakh per person per bank whatever the bank size, so below ₹5 lakh your money is equally safe at both.

How to read the fees

HDFC Bank lists 19 product families on its site, from home loans to credit cards to NRI accounts. When you read a fee, check which customer type it applies to, because the same product can carry very different charges. Take the home loan processing fee: a salaried applicant pays up to 0.50% of the loan or ₹4,000, whichever is higher, while a self-employed non-professional pays up to 1.50% or ₹5,000. On a ₹1 crore loan that is ₹59,000 against ₹1,77,000 with GST. Any site that shows one processing fee for this bank is showing you one customer type.

One more thing worth knowing. For some products the bank is only the seller, not the maker. Insurance sold here is actually provided by an insurance company; mutual funds belong to fund houses. That is fine, but it changes who you complain to if something goes wrong. Also check whether a fund is a regular plan or a direct plan — regular plans pay commission to the seller, direct plans do not.

How we rated this bank

We take no money for ratings, and no bank can influence one. Every score above is simple maths on a dated rate table — change the table and the score moves by itself. Four products were rated, being every product for which we hold a dated rate at HDFC Bank, each scored against the 32 competitor rates we track for those products. No bank can buy, change or even see a Credsir score before you do; the formula has no input for it.

Everything else HDFC Bank offers

HDFC Bank lists 19 product families on its own site. We rate the 4 we hold dated rates for. The rest — car loan, two-wheeler loan, education loan, gold loan, loan against property, business loan, savings account, salary account, current account, recurring deposit, debit cards, prepaid cards, mutual funds, insurance and NRI banking — link to the bank until we cover them.