Your Monthly EMI will be
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Amount Payable
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Interest Amount
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Principle Amount
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Enclosed below are HDFC Bank Loan Against Property Interest Rates & Charges
| Charges | Loan Against Property (LAP) / Loan for Commercial Property (LCP) / Loan Against Rent Receivables (LARR) | Dropline Overdraft Against Property |
|---|---|---|
Rack Interest Rate Range |
Policy Repo Rate* + 3.05% to 7.50%= 8.30% to 12.75% |
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*Policy Repo Rate- 5.25% |
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Above mentioned interest rate is applicable on Operating Limit. Interest rate of 18% p.a. will be levied on the amount utilized above |
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Rack Fixed Interest Rate Range |
11.80% to 13.30%+ |
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Charges for conversion of ROI from floating to fixed(who have availed EMI based floating rate Personal Loans) |
Upto Rs 3000 |
NA |
Loan Processing Charges* |
Maximum of 1% of loan amount (* Minimum PF of Rs.7500/-) |
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Pre-Payment /Part Payment Charges |
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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. 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 |
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Floating rate term 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 term loan availed by Individual borrowers for End Use other than Business Purpose |
NIL |
NIL |
Floating rate term loans availed by Micro & Small Enterprises |
NIL |
NIL |
Floating Rate term 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: |
NA |
Stamp Duty & other statutory charges |
As per applicable laws of the state |
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Payment Return Charges # |
Rs 450/- |
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Amortization Schedule Charges* |
Rs. 50/- per instance |
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Repayment mode change charges |
Rs. 500/- |
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Legal/Repossession & Incidental charges |
At actuals |
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Annual Maintenance Charge (AMC) for Features of Plus Current Account |
Not Applicable |
Rs. 5000 P.A. Plus (Please refer the |
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. |
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Revision in spread |
0.1% of Principal Outstanding OR Rs. 3000 whichever is higher Per proposal |
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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) |
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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) |
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CERSAI Charges |
Rs. 100 for each property |
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Property Swapping / Partial property Release* |
0.1% of the loan amount. |
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(*Min – Rs. 10,000/-. Max of Rs 25000/- per property) |
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Document Retrieval charges |
Rs. 500/- per document set. (Post disbursement) |
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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.
Rates offered to individual customers during the period July ’25 to Sept ’25
Segment |
IRR |
APR |
||||
Min |
Max |
Avg |
Min |
Max |
Avg |
|
MORTGAGE |
7.75% |
11% |
8.67% |
7.82% |
13.24% |
8.91% |
# If you pay your EMI after the due date, interest will be charged on unpaid EMI for the number of days you are late. This interest is calculated at your loan’s contracted rate and will be added to your next EMI.
Example:
📅 EMI Due Date: 10th
💰 Payment Made On: 25th
⏳ Delay: 15 days
💸 Impact: Interest for these 15 days will be added to your next EMI.
Please pay on time to avoid this.
10% discount to Senior Citizen (main borrower) on all the above service charges
“Effective 31-Dec-23, in case of upward revision in interest rate, subsequent to change in external benchmark lending rate / repo rate, customers having floating rate loans funded for personal end-use will have an additional one-time option to convert to a Fixed Rate subject to our internal policies and checks. “
Bank reserves the right to enquire or ask the documentary proof of source of funds for closure request of loans.
The Bank reserves the right to vary any of the above charges from time to time with due intimation to the customer. Revised Charges will be communicated to the customer through Banks website and/or by any other acceptable mode of communication.
Raise funds easily and quickly with loans against residential and commercial properties. Calculate your monthly payments
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Amount Payable
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Interest Amount
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Principle Amount
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HDFC Bank accepts both residential and commercial properties as collateral for its Loan Against Property, providing flexibility in usage for various personal or business needs. This means that individuals or businesses can leverage the value of their property to secure a loan, which can be used for a wide range of business or personal purposes, including debt consolidation. You can get a loan worth up to 65% of the market value of your property. This makes it a valuable option for funding planned needs.
A fixed-rate Commercial Loan refers to a type of loan where the interest rate remains constant throughout the loan term, providing borrowers with predictable monthly payments. The interest rate typically ranges from 11.80% to 13.30% or higher, depending on market conditions and the borrower's creditworthiness. There is also an option available, as per a circular from RBI, to avail of an increase in interest rates for term loans and borrowers with personal end-use facility, once during the loan tenure. This option provides flexibility in managing interest rate changes, ensuring stability in repayments for the borrower.
For HDFC Bank Loan Against Property, Loan for Commercial Property, and Loan Against Rent Receivables, the interest rate ranges from 9.50% to 11%, calculated as Policy Repo Rate of 6.50% plus 3.00% to 4.50%. For Dropline Overdraft, this applies to the sanctioned operating limit only.
If you utilise more than your sanctioned operating limit in the HDFC Bank Dropline Overdraft Against Property, interest at 18% per annum is charged on the excess usage amount, along with applicable taxes. This charge is specific to the amount exceeding the approved limit.
When applying for an HDFC Bank Loan Against Property, you will be charged a processing fee of up to 1% of the total loan amount, with a minimum fee of ₹7,500. This fee is exclusive of applicable government taxes and is collected upfront during processing.
For HDFC Bank Loan Against Property, one part prepayment annually is allowed without charge if it is up to 25% of the outstanding principal. You are charged 2.5% plus GST on the excess amount if it exceeds this. Certain categories may be eligible for a full waiver.
Premature closure of HDFC Bank Loan Against Property attracts up to 2.5% of the principal outstanding for floating rate loans for business use. Fixed-rate loans incur similar charges unless over 60 months old. Individual borrowers for non-business use or MSMEs enjoy a full waiver.
If you delay your EMI payment on an HDFC Bank Loan Against Property, you are charged interest at 18% per annum on the overdue amount, in addition to applicable taxes. These charges are calculated on the delayed installment until the bank receives full payment.
For HDFC Bank Loan Against Property, if you have a floating rate EMI-based loan and wish to convert it to a fixed rate, a one-time fee of up to ₹3,000 may apply. This is applicable as per relevant RBI circulars and subject to eligibility.
HDFC Bank charges 0.1% of the loan amount for property swapping or partial property release under Loan Against Property. The fee ranges from a minimum of ₹10,000 to a maximum of ₹25,000 per property, excluding applicable taxes and levies.
For HDFC Bank Loan Against Property, document retrieval post-disbursement costs ₹75 per document set. An amortisation schedule is available at ₹50 per request, though it can also be downloaded free from the official HDFC Bank website.
Yes, HDFC Bank imposes a 2% per annum charge plus taxes on the principal outstanding for non-compliance with the sanction terms in the Loan Against Property. This fee is capped at ₹50,000 and is charged monthly until full compliance is achieved.
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