Loan against Property Interest Rate (April 2026)

Rack Interest Rate Range 

Policy Repo Rate* + 3.05% to 7.50%= 8.30% to 12.75%

*Policy Repo Rate- 5.25%

Above mentioned interest rate is applicable on Operating Limit. 

Interest rate of 18% p.a. will be levied on the amount utilized above 
the Operating Limit of overdraft facility. (Applicable for DOD facility only) 

Rack Fixed Interest Rate Range 

11.80% to 13.30%+ 
*Option In pursuant to the circular No. RBI/2023-24/55 DOR.MCS.REC.32/01.01.003/2023-24 in case of increasing interest rates of term loans and for borrowers with personal end use facility . Same can be availed of once in during the loan tenor.

Charges for conversion of ROI from floating to fixed(who have availed EMI based floating rate Personal Loans) 
*Please refer the RBI circular No. DBR.No.BP.BC.99/08.13.100/2017-18 on “XBRL Returns – Harmonization of Banking Statistics” dated January 04, 2018.”. 

Upto Rs 3000 

NA 

Loan Processing Charges* 

Maximum of  1% of loan amount (* Minimum PF of Rs.7500/-) 

Pre-Payment /Part Payment Charges 

Pre-Payment /Part Payment Charges 

No prepayment charges shall be applicable for part prepayment once during a financial year only if the amount being prepaid does not exceed 25% of the principal amount outstanding at the time of such prepayment. 
 
2.5% + Goods and Services Tax (GST) of principal outstanding being prepaid or at such rates as decided by the Bank if the amount being prepaid is more than said 25%. Charges shall be applicable on the amount in excess of said 25%. 

Nil Part Payment charges for floating rate term loan availed by Individual borrowers for End Use other than Business Purpose. 

Nil Part Payment charges for floating rate term loans availed by Micro & Small Enterprises 

Not Applicable 

Premature closure charges 

Floating rate loan availed by Individual borrowers for Business Purpose 

2.5 % of the Principal Outstanding 

>60 months after the disbursement of the Loan – NIL Charges 

Maximum of 4% of the operating limit prevailing at the time of prepayment within 12 months of the date of disbursement. 

Post 12 months maximum of 2% of the operating limit prevailing at the time of prepayment . 

>60 months after the disbursement of the Loan – NIL Charges 

Floating rate loan availed by Individual borrowers for End Use other than Business Purpose 

NIL 

NIL 

Floating rate loans availed by Micro & Small Enterprises 

NIL 

NIL 

Floating Rate loans availed by Non-Individual borrowers 

Maximum of 2.5% of the Principal Outstanding. 

>60 months after the disbursement of the Loan – NIL Charges 

Maximum of 4% of the operating limit prevailing at the time of prepayment within 12 months of the date of disbursement. 

Post 12 months maximum of 2% of the operating limit prevailing at the time of prepayment . 

Premature closure charges- Fixed rate loans 

For the Facility with Fixed Interest Rate at the time of prepayment: 
2.5 % of the Principal Outstanding, 
>60 months after the disbursement of the Loan/Facility – NIL Charges. 
 
No prepayment charges shall be applicable for part prepayment once during a financial year only if the amount being prepaid does not exceed 25% of the principal amount outstanding at the time of such prepayment. 
 
2.5% + Goods and Services Tax (GST) of principal outstanding being prepaid or at such rates as decided by the Bank if the amount being prepaid is more than said 25%. Charges shall be applicable on the amount in excess of said 25%. 
 
Nil Prepayment charges on fixed rate loans if loan is booked under priority sector lending and Borrower(s) type is Small or Micro & Loan amount is less than or equal to ₹ 50 lacs. 

NA 

Stamp Duty & other statutory charges  

As per applicable laws of the state 

Payment Return Charges # 

Rs 450/-   

Amortization Schedule Charges* 

Rs. 50/- per instance 
 (*Customer can also download from website free of cost) 

Repayment mode change charges 

Rs. 500/- 

Legal/Repossession & Incidental charges 

At actuals 

Annual Maintenance Charge (AMC) for Features of Plus Current Account 

Not Applicable 

Rs. 5000 P.A. Plus 
applicable government 
taxes for DOD account 

(Please refer the 
attached link 
for plus current account 
features and benefit- https://www.hdfc.bank.in/current-account/plus-current-account) 

Commitment charges for overdraft accounts (*Minimum charges Rs 5000/-) 

Not Applicable 

If average quarterly utilization > 30% No commitment fee charges to be charged. If average quarterly utilization < 30% Charges upto 0.10% will be charged on the difference between the actual utilization and expected average utilization of 30%. Charges to be levied quarterly. 

Conversion charges for Change in Reference rate (BPLR/ Base rate/MCLR to Policy Repo Rate (for existing customers) 

NIL 

NIL 

Custody charges 

Rs 1000/- per month for non-collection of collateral documents beyond 60 days, from date of closure of all loans/facilities linked to the collateral. 

Revision in spread 

0.1% of Principal Outstanding OR Rs. 3000 whichever is higher Per proposal 

Charges for Non Adherence of ESCROW Account of Sanction Terms 

2% charges per annum on principal outstanding for non compliance of agreed terms upto its fulfillment - (Charged on Quarterly basis) (Applicable in LARR cases only) 

Charges for Non-Compliance of Sanction Terms 

2% charges p.a. + applicable taxes on principal outstanding for non-compliance of agreed terms up to its fulfillment, Subject to a Maximum of Rs 50000/-+taxes (Charged on monthly basis) 

CERSAI Charges 

Rs. 100 for each property 

Property Swapping / Partial property Release* 

0.1% of the loan amount.  

(*Min – Rs. 10,000/-. Max of Rs 25000/- per property) 

Document Retrieval charges 
including issuance of List of 
Documents (LOD) 

Rs. 500/- per document set. (Post disbursement)  

Note:The above charges are exclusive of taxes and statutory levies as applicable from time to time. The above charges are the maximum charges applicable for each type of charge. 

Segment 

 IRR

APR

Min

Max

Avg

Min

Max

Avg

MORTGAGE 

7.50% 

11.00% 

8.48% 

7.76% 

12.98% 

8.65%