HDFC Bank against the market
The same product priced across major lenders — HDFC Bank's row is highlighted. Floating rates linked to the RBI repo rate. Women applicants often get a 0.05% concession.
| Lender | Starting rate (p.a.) | Processing fee | Max tenure |
|---|---|---|---|
| SBI | 7.95% | Up to 0.35% (min ₹2,000) | 30 years |
| HDFC Bank | 8.05% | Up to 0.50% or ₹3,300 | 30 years |
| ICICI Bank | 8.10% | 0.50% or ₹3,000 | 30 years |
| Bank of Baroda | 7.95% | Up to 0.50% | 30 years |
| Axis Bank | 8.35% | Up to 1% | 30 years |
| Kotak Mahindra | 8.15% | Up to 0.50% | 25 years |
| LIC Housing Finance | 8.20% | Up to 0.25% | 30 years |
| Punjab National Bank | 8.00% | Up to 0.35% | 30 years |
Eligibility
- Salaried applicants aged 21–60, or self-employed aged 21–65 at loan maturity
- Minimum net monthly income of ₹25,000, higher in metro cities
- Credit score of 750 or above for the best pricing
- At least 2 years in the current job or 3 years in the current business
Documents
- PAN, Aadhaar and address proof
- Last 3 months salary slips and 6 months bank statements
- Form 16 or last 2 years ITR
- Sale agreement, title deeds and approved building plan
- Property tax receipts and NOC from the society or builder
Should you apply to HDFC Bank directly?
You can — but a direct application is a hard enquiry against one lender's criteria. Going through a marketplace means your profile is checked against HDFC Bank's bands and the wider market first, so the application that finally goes in is the one most likely to be approved. If HDFC Bank is the right fit, that is where your file goes; if another lender prices you better, you will know before any enquiry lands on your report.
Invaspo is not HDFC Bank and is not affiliated with it. Product names and trademarks belong to their owners. Rates and terms shown are indicative starting figures for comparison, set entirely by the lender, and change without notice — final terms come only from the lender in writing.