HDFC Bank
We Understand Your World
Headquarters: Mumbai, Maharashtra
Official Bank WebsiteOfficial Published Interest Rates (2026)
Direct benchmark & card rates verified from HDFC Bank's official circulars
| Credit / Deposit Product | Starting Rate | Effective Range | Lending Benchmark | Calculator |
|---|---|---|---|---|
| HDFC Bank Home Loan | 8.15% p.a. | 8.15% – 9.80% | HDFC RPLR | Calculate EMI→ |
| HDFC Bank Personal Loan | 10.50% p.a. | 10.50% – 21.00% | Card Rate | Calculate EMI→ |
| HDFC Bank Regular Fixed Deposit (3 Years) | 7.00% p.a. | 6.60% – 7.25% | Card Rate | Calculate EMI→ |
| HDFC Bank New Car Loan | 8.75% p.a. | 8.75% – 10.50% | Card Rate | Calculate EMI→ |
| HDFC Bank Used Car Loan | 11.25% p.a. | 11.25% – 14.50% | Card Rate | Calculate EMI→ |
| HDFC Bank Sampoorna Gold Loan | 9.25% p.a. | 9.25% – 16.00% | Card Rate | Calculate EMI→ |
| HDFC Bank Two-Wheeler Loan | 12.00% p.a. | 12.00% – 20.00% | Card Rate | Calculate EMI→ |
| HDFC Bank Recurring Deposit (3 Years) | 7.00% p.a. | 7.00% – 7.50% | Card Rate | Calculate EMI→ |
HDFC Bank Official Rate Calculators
Simulate monthly EMIs and deposit maturity values pre-filled with verified HDFC Bank rates
HDFC Bank Home Loan EMI Calculator
Calculate your monthly repayment and total interest cost on an HDFC Bank home loan using the verified official starting interest rate of 8.15% p.a.
HDFC Bank Personal Loan EMI Calculator
Estimate monthly EMIs on HDFC Bank personal loans for travel, home improvement, or emergencies.
HDFC Bank FD Calculator
Determine your maturity value and interest earnings on HDFC Bank domestic fixed deposits using verified bank interest rates.
HDFC Bank Car Loan EMI Calculator
Calculate monthly instalment and repayment schedules on an HDFC Bank New Car Loan with attractive rates.
HDFC Bank Used Car Loan EMI Calculator
Compute monthly instalments on HDFC Bank pre-owned car financing with loans up to 100% of valuation.
HDFC Bank Gold Loan Calculator
Calculate estimated loan EMI and interest by pledging gold jewellery with HDFC Bank.
HDFC Bank Two-Wheeler Loan Calculator
Calculate monthly EMIs for financing your bike, scooter, or electric two-wheeler through HDFC Bank.
HDFC Bank RD Calculator
Estimate your cumulative maturity savings with HDFC Bank Recurring Deposits using quarterly compounding.
Rate Sourcing & Regulatory Disclosures
Direct official circular citations and borrower qualification rules for HDFC Bank
8.15% p.a.
8.15% – 9.80% p.a.
floating RateHDFC RPLR
Applicable Conditions & Eligibility Factors:
- Special rate for prime salaried borrowers with CIBIL score 750+
- Tenure up to 30 years
Source: HDFC Bank Retail Lending Rates Portal
Rates subject to borrower risk-grade & RBI regulatory changes.10.50% p.a.
10.50% – 21.00% p.a.
fixed RateRBI Repo Linked / Card Rate
Applicable Conditions & Eligibility Factors:
- Instant 10-second disbursal for pre-approved customers
- Fixed reducing balance
Source: HDFC Bank Personal Loan Rates
Rates subject to borrower risk-grade & RBI regulatory changes.7.00% p.a.
6.60% – 7.25% p.a.
fixed RateRBI Repo Linked / Card Rate
Senior Citizens: up to 7.50% p.a.Applicable Conditions & Eligibility Factors:
- Quarterly compounding standard
- 50 bps premium for senior citizens
- DICGC insurance up to ₹5 Lakh
Source: HDFC Bank Fixed Deposit Rates
Rates subject to borrower risk-grade & RBI regulatory changes.8.75% p.a.
8.75% – 10.50% p.a.
fixed RateRBI Repo Linked / Card Rate
Applicable Conditions & Eligibility Factors:
- Up to 100% on-road funding for select models
- Tenure up to 84 months
Source: HDFC Bank Car Loan Rates & Fees
Rates subject to borrower risk-grade & RBI regulatory changes.11.25% p.a.
11.25% – 14.50% p.a.
fixed RateRBI Repo Linked / Card Rate
Applicable Conditions & Eligibility Factors:
- Financing up to 100% of valuation
- Flexible repayment tenure up to 7 years
Source: HDFC Bank Used Car Loan Rates
Rates subject to borrower risk-grade & RBI regulatory changes.9.25% p.a.
9.25% – 16.00% p.a.
floating RateRBI Repo Linked / Card Rate
Applicable Conditions & Eligibility Factors:
- RBI compliant 75% LTV cap
- Overdraft or term loan modes
Source: HDFC Bank Gold Loan Schedule
Rates subject to borrower risk-grade & RBI regulatory changes.12.00% p.a.
12.00% – 20.00% p.a.
fixed RateRBI Repo Linked / Card Rate
Applicable Conditions & Eligibility Factors:
- Financing for premium, commuter and electric two-wheelers
- Tenures up to 48 months
Source: HDFC Bank Two Wheeler Loans
Rates subject to borrower risk-grade & RBI regulatory changes.7.00% p.a.
7.00% – 7.50% p.a.
fixed RateRBI Repo Linked / Card Rate
Senior Citizens: up to 7.50% p.a.Applicable Conditions & Eligibility Factors:
- Quarterly compounding on monthly instalments
- Senior citizens get 50 bps extra
Source: HDFC Bank RD Rates Card
Rates subject to borrower risk-grade & RBI regulatory changes.About HDFC Bank
HDFC Bank is India's largest private sector bank by assets and market capitalization, following its historic merger with housing finance giant HDFC Limited.
The bank offers an extensive portfolio of retail financial solutions, leading the market in digital home loans, fixed deposits, credit cards, and retail lending.
Home loan interest rates are benchmarked to HDFC's Retail Prime Lending Rate (RPLR), offering adjustable and fixed rate home finance packages.
Frequently Asked Questions: HDFC Bank
- Where can I verify HDFC Bank's official loan and deposit rates?
- You can verify current rates on the official HDFC Bank website at hdfcbank.com under the 'Personal > Rates' section.