The short answer
- Salaried applicants pay up to 0.50% of the loan or ₹4,000, whichever is higher, plus 18% GST.
- Self-employed non-professionals pay up to 1.50% or ₹5,000. The HDFC Reach scheme charges up to 2.00%.
- On a ₹1 crore loan that is ₹59,000 for a salaried applicant and ₹2,36,000 on Reach, with GST.
- Closing a floating-rate loan early costs nothing. Fixed-rate loans cost 2% plus taxes.
HDFC Bank home loan fees, as the bank publishes them
| Particular | Detail |
|---|---|
| Salaried / self-employed professional | Up to 0.50% of the loan or ₹4,000, whichever is higher, + taxes |
| Self-employed non-professional | Up to 1.50% or ₹5,000, whichever is higher, + taxes |
| HDFC Reach scheme | Up to 2.00% of the loan, + taxes — No minimum amount |
| On a ₹1 crore loan, salaried | ₹50,000 + GST = ₹59,000 |
| On a ₹1 crore loan, Reach | ₹2,00,000 + GST = ₹2,36,000 |
| GST rate on the fee | 18% — Almost never included in a quoted figure |
| Foreclosure, floating rate | Nil — An RBI rule, not the bank being generous |
| Foreclosure, fixed rate | 2% + taxes — Except part or full prepayment from own sources |
| Processing fee refundable | No |
as of 2026-08-26 · HDFC Bank’s own home loan page and published Processing Fees & Charges schedule, hdfcbank.com · lender
Processing fee by borrower and scheme
Five different fees for the same loan. Any site showing one number for this bank is describing one customer type and calling it the bank.
| Borrower / scheme | Fee as published |
|---|---|
| Salaried / self-employed professional | Up to 0.50% or ₹4,000, whichever is higher, plus taxes |
| Self-employed non-professional | Up to 1.50% or ₹5,000, whichever is higher, plus taxes |
| NRI home loan | Up to 1.50% or ₹4,000, whichever is higher, plus taxes |
| Value Plus loan | Up to 1.50% or ₹5,000, whichever is higher, plus taxes |
| HDFC Reach scheme | Up to 2.00% of the loan, plus taxes |
as of 2026-08-26 · HDFC Bank’s own home loan page and published Processing Fees & Charges schedule, hdfcbank.com · lender
The same fee schedule in rupees, including GST
What each fee actually costs on three loan sizes, with 18% GST added. This is the amount that leaves your account.
| Loan size | Salaried 0.50% / non-professional 1.50% / Reach 2.00% |
|---|---|
| ₹30 lakh | ₹17,700 · ₹53,100 · ₹70,800 |
| ₹50 lakh | ₹29,500 · ₹88,500 · ₹1,18,000 |
| ₹1 crore | ₹59,000 · ₹1,77,000 · ₹2,36,000 |
as of 2026-08-26 · Computed from the published schedule, GST at 18% · reported
Charges during the life of the loan
Nobody reads these when taking the loan. Most people meet them later.
| Charge | Amount as published |
|---|---|
| Switch to a lower variable rate — first conversion | Up to 0.50% of principal outstanding or ₹3,000, whichever is lower |
| Switch to a lower variable rate — later conversions | Up to 0.50% of principal outstanding or ₹2,000, whichever is lower |
| Switch from fixed or combination rate to variable | Up to 1.50% of principal outstanding |
| Conversion of rate from floating to fixed | Up to ₹3,000 |
| Re-appraisal more than 6 months after sanction | Up to ₹3,300 salaried / self-employed professional; up to ₹5,000 other schemes |
| Payment return (bounced instalment) | ₹450 |
| Non-compliance with sanction terms | Up to 2% p.a. on principal outstanding, charged monthly — Capped at ₹50,000 for critical security deferrals, ₹25,000 otherwise |
| Duplicate list of documents / photocopies / repayment mode change | Up to ₹500 each |
| Property document retention | ₹1,000 per case |
| Administrative charges | Up to ₹5,000 plus taxes |
| CERSAI registration | At actuals, up to ₹100 |
| Stamp duty and statutory charges | At actuals, per state law |
as of 2026-08-26 · HDFC Bank’s own home loan page and published Processing Fees & Charges schedule, hdfcbank.com · lender
What it costs to leave
The most useful rule in Indian home loans, and the one borrowers are least often told about.
| Loan type | Premature closure charge |
|---|---|
| Adjustable-rate loan, during the variable-rate period | Nil — From HDFC Bank’s own charge sheet. The RBI does not allow this charge on floating-rate loans to individuals |
| Combination-rate loan, during its variable period | Nil |
| Fixed-rate loan, during the fixed period | 2% plus taxes — Except where part or full prepayment is made from your own sources |
| Combination-rate loan, during its fixed period | 2% plus taxes |
as of 2026-08-26 · Reserve Bank of India — Master Direction on housing finance and the circular on foreclosure charges · regulator
There is no single HDFC Bank processing fee
The bank publishes five, and they are far apart.
A salaried applicant or self-employed professional pays up to 0.50% of the loan or ₹4,000, whichever is higher. A self-employed non-professional pays up to 1.50% or ₹5,000. The HDFC Reach scheme charges up to 2.00%, with no minimum at all.
On a ₹1 crore loan that is ₹50,000 for the salaried applicant and ₹2,00,000 on Reach. Add 18% GST and it becomes ₹59,000 against ₹2,36,000. The gap between two customer types, at the same bank on the same day, is ₹1.77 lakh.
So any comparison table showing one processing fee for this lender is describing one customer and calling it the bank.
Watch the words “whichever is higher” too. The rupee figure is a minimum, not a cap. On small loans you pay the flat amount. Above about ₹8 lakh at the salaried rate, the percentage takes over and keeps growing with the loan.
Add 18% GST to every fee
The bank quotes each fee as “plus applicable taxes”. That means 18% GST, and it applies to the processing fee, conversion charges and administrative charges alike.
This is not a small detail. A ₹50,000 processing fee costs you ₹59,000. A 1.50% fee on a ₹1 crore loan is ₹1.5 lakh before tax and ₹1.77 lakh after.
If a comparison puts a 0.50% lender next to a 1.50% lender without mentioning tax, it is understating the gap by nearly a fifth. Every fee on Credsir includes GST where it applies.
The costs that are not fees
Stamp duty, the mortgage deed charge and registration are set by your state government. On a city property these often cost several lakh, and they are usually the biggest cash item at sanction. The bank does not keep this money and cannot waive it. CERSAI charges are passed on at cost, up to ₹100, and legal and valuation fees at actuals.
Then there are charges that only turn up later. A bounced EMI costs ₹450. Then there is the penalty for missing a condition in your sanction letter — a document not filed, a security not registered. You can be charged up to 2% a year on your outstanding loan, billed every month until you fix it. The cap is ₹50,000 for serious security issues and ₹25,000 otherwise. That is a heavy price for paperwork slipping, so read those conditions properly.
One charge is worth knowing about, because you may actually want to pay it. Switching to a lower floating rate costs up to 0.50% of your outstanding loan or ₹3,000, whichever is lower, the first time. After that it is up to ₹2,000. That is cheap. If your rate has drifted above the bank’s current rate, this is usually the quickest fix. It also beats moving to another lender, which means a fresh processing fee plus new legal and valuation charges.
Leaving is free, if your loan is floating
HDFC Bank’s own charge sheet says closing an adjustable-rate loan early, during the floating-rate period, costs nil.
That is not the bank being generous. The RBI does not allow banks or housing finance companies to charge prepayment or foreclosure fees on floating-rate loans taken by individuals.
So a 30-year floating home loan binds you far less than it sounds. If your rate drifts too high, or your credit score improves, you can move to another lender and pay nothing to leave. Your only costs are at the new lender: their processing fee and fresh legal and valuation charges.
This does not cover fixed-rate loans. There the bank charges 2% plus taxes during the fixed period, waived if you prepay from your own savings rather than by switching lenders. So if a fixed rate is offered to you, check the exit cost first. You would be giving up the strongest protection a floating-rate borrower has.
How it compares
Against the twelve home loan lenders we track, HDFC Bank is 9th cheapest on the advertised floor — 0.60% above Canara Bank, LIC Housing Finance and Union Bank of India at 7.15%, and 0.55% above Bank of Baroda at 7.20%. The fee schedule below often matters more than that gap, which is why it is worth reading beside the bank’s own home loan page and the wider home loan interest rates table rather than on its own. Rates as of 2026-09-17, from lender rate pages, checked individually.
If the exit cost is what you are weighing, the general rule is set out under loan foreclosure and charges, and the arithmetic of moving lender under home loan balance transfer — the saving has to clear a fresh processing fee at the new lender, which the EMI calculator will size for you.
Frequently asked questions
What is the processing fee on an HDFC Bank home loan?
It depends on your income type. Salaried applicants and self-employed professionals pay up to 0.50% of the loan or ₹4,000, whichever is higher. Self-employed non-professionals pay up to 1.50% or ₹5,000. NRI loans are up to 1.50% or ₹4,000, Value Plus is up to 1.50% or ₹5,000, and HDFC Reach is up to 2.00% with no minimum. Add 18% GST to all of them — on a ₹1 crore loan the salaried fee works out to ₹59,000.
Is the HDFC Bank processing fee refundable?
No. The bank states the fee is non-refundable. You do not get it back if the loan is rejected or you decide not to go ahead.
What does HDFC Bank charge to close a home loan early?
Nothing, if it is a floating-rate loan during the floating period. The RBI does not allow prepayment or foreclosure charges on floating-rate loans to individuals, and the bank’s own charge sheet shows nil. On a fixed-rate loan the charge is 2% plus taxes during the fixed period, unless you prepay from your own savings.
Can I reduce my HDFC Bank home loan rate without changing banks?
Usually yes, by paying a conversion fee. Switching to a lower floating rate costs up to 0.50% of your outstanding loan or ₹3,000, whichever is lower, the first time, and up to ₹2,000 after that. If your rate has drifted above the bank’s current rate, this is normally cheaper and faster than moving to another lender.
What costs are not included in the processing fee?
Stamp duty, the mortgage deed charge and registration, all set by your state and often the biggest cash cost at sanction. Also CERSAI charges up to ₹100, administrative charges up to ₹5,000 plus taxes, and legal and valuation fees at cost. Later on, a bounced EMI costs ₹450, and missing a sanction condition can cost up to 2% a year on your outstanding loan, capped at ₹50,000.
Terms change without notice. Confirm the current figures with HDFC Bank before you act.
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