DHFL Home Loan Interest Rates


DHFL home loan interest rates that suit your budget and make owning your dream house easier than ever. Enjoy the benefits of competitive interest rates designed to provide affordable and flexible financing options for individuals looking to purchase or construct their dream homes.

  • DHFL Home Loan Interest Rate

    Home Loan offer for You

  • 11%

    Interest Rate (p.a.)
  • ₹1L - ₹7Cr

    Tenure(Up to 30 Years)
  • ₹2,174

    EMI Per Lakh

Check Latest Home Loan Offer From DHFL

  • DHFL Home Loan Interest RateHome Loan offer for You
  • 11%

    Interest Rate (p.a.)
  • ₹1L - ₹7Cr

    Tenure(Up to 30 Years)
  • --

    Processing Fee

Compare DHFL Home Loan Interest Rates with Other Lenders

While making a significant financial decision to secure a home loan, you must conduct thorough research. One of the most important things you can do is compare DHFL home loan interest rates with other lenders. To make it easier for you, we have encapsulated the home loan interest rates from various lenders in the below-depicted table:

  • Starting Interest Rate (p.a)
  • Processing Fee
  • Rating
  • Min. Loan Amount
  • 5 Lac
  • 20 Cr
  • 5
  • 30
  • 6
  • 20

Monthly Loan EMI

Payment Breakdown:

Principal Amount


Interest Payable

Total Amount Payable

DHFL Home Loan Interest Rates 2024

Before securing any DHFL home loan product, you must get acquainted with the associated interest rates, as you will repay the borrowed amount for years. DHFL home loan interest rates start from 11% per annum onwards and may vary based on the applicant's credibility. Additionally, the home loan interest rates in DHFL can fluctuate based on the borrowed loan amount.

Given below are the new home loan interest rate structures designed by DHFL.

SlabHome Loan Interest Rate
Up to ₹35 lakhsStarting from 11%* per annum onwards
From ₹35 lakhs to ₹75 lakhsStarting from 11%* per annum onwards

It's crucial to comprehend how the interest rate structure would affect the EMI on your home loan. To clarify this, we have taken a few examples demonstrating the amount you would have to pay under different variables.

Loan AmountTenureRate of InterestEMI
₹10 lakhsten years11%*₹13,775
₹25 lakhsten years11%*₹34,438
₹50 lakhs20 years11%*₹51,609
₹50 lakhs30 years11%*₹47,616
₹ 1 Crore30 years11%*₹95,232

Notes: Additional charges, if applicable, will be mentioned during the application process.

DHFL Home Loan Highlights

The table below pertains to DHFL Home Loan Interest rate highlights.

DHFL Home Loan Highlights

Home Loan Interest RateStarting from 11% per annum onwards
Loan AmountUp to INR 2 crore
Loan Repayment TenureUp to 30 years
Loan-to-Value RatioAt maximum up to 90% of property valuation
Loan Processing FeesUp to 3% of the approved loan amount (+) applicable taxes

DHFL Home Interest Rates on Loan Schemes

To cater to versatile customer needs, DHFL offers various housing finance schemes. Now, you can secure a DHFL housing finance scheme that perfectly suits your current finance requirements at affordable interest rates.

DHFL Home Loan SchemesLoan AmountInterest RateRepayment Tenure
DHFL Home Loan5 lakhs to 2 crores11% onwards30 years
DHFL Construction Loan90% of the Property Cost11% onwards30 years
DHFL Renovation Loan5 lakhs to 2 crores11% onwards30 years
DHFL Extension Loan5 lakhs to 2 crores11% onwards30 years
DHFL Home Loan Balance TransferMight vary From One Case to Another11% onwardsMight vary From One Case to Another
PMAY18 lakhs11% onwards20 years

DHFL Home Interest for Salaried and Self-Employed

DHFL home loans are available for both salaried and self-employed individuals. However, the loan documents may vary for both categories. DHFL home loan interest rates vary based on the applicant's credibility, financial history, credit score, applied loan amount, and repayment capabilities. The DHFL home loan interest rate for salaried and self-employed borrowers starts from 11% per annum onwards. 

DHFL Home Loan Interest Rate For Women

DHFL offers home loans only to housemakers. Women who are working professionals can secure a DHFL home loan by providing associated documentation with utmost ease. However, DHFL does not provide any additional profit to the women home loan borrowers, and they get an equal treatment similar to other categories. Also, the DHFL home loan interest rate for women applicants starts from 11%. 

DHFL Home Loan Interest Rate For NRI

DHFL provides home loans only to Indian residents. Although the institution does not offer home loans for NRIs, such individuals can secure home loans from other banks and finance providers to purchase residential property across the country.

DHFL Home Loan Interest Rate and Other Charges

Before applying for a home loan, along with the DHFL interest rate, you must know the associated fees and charges. It will help you to determine the actual cost of securing a DHFL home loan. Here are the charges you might need to bear while applying for a home loan from DHFL.

ParticularsApplicable charges
CERSAI Registry/Modification ChargesFor loans up to INR 5 Lakh – INR 50  For loans above INR 5 Lakh – INR 10 lakh.
Part-Prepayment ChargesWithin six months from 1st disbursement: No prepayment allowed After six months:
  • No Charges (for individual borrowers/co-borrowers)
  • 2% (for borrowers/co-borrowers other than individuals)
Plot Loans/Easy Land Cum Construction Loans For borrower/co-borrower other than individual – 3% (in case the dwelling unit is not constructed on the plot within 3 yrs. from the date of the first disbursement of the loan)
Foreclosure chargesWithin six months from 1st disbursement: No foreclosure allowed. After six months: 
  • No Charges (for individual borrowers/co-borrowers)
  • 2% (for borrowers/co-borrowers other than an individual)
Overdue Charges 18% per annum on the outstanding loan amount
Demand Draft and Pay Order issuance chargesINR 150 per lakh/ actual bank charges (the higher one will be levied) 
Statement of account/ provisional IT certificates1st time: No charges Subsequent: INR 250
Document retrieval charges on the closure of loanFor loans up to INR 10 Lakh: INR 1,000 For loans above INR 10 Lakh: INR 2,000
Foreclosure statementINR 500

How Can You Calculate DHFL Home Loan Interest? 

You can calculate your Equated Monthly Instalments (EMIs) by determining the principal loan amount, maximum tenure offered by DHFL and interest rate. You can use the formula below to calculate the monthly EMI you must pay on DHFL Home Loan.  

EMI = (P × R × (1+r)^n)/((1+r)^n-1)


  • The principal loan amount: P can range from ₹10 lakh to more than ₹75 lakhs.
  • The interest rate: R is at 8.75%
  • The loan tenure: n can be up to 20 years.

One can also use the DHFL home loan EMI calculator or Urban Money's Home Loan EMI calculator and plan your finances accordingly.

Why are DHFL Home Loan Interest Rates the Best for Customers?

DHFL housing finance is comparatively better than other lenders. It offers various housing finance schemes to cater to versatile customer needs at an affordable interest rate from 11% onwards. Additionally, the home loan application process is quick and hassle-free. Loan seekers can get easy approval by providing minimal documents, flexible repayment tenure, and EMI based on their financial bandwidth. DHFL home loan interest rates are comparatively lower than other major banks and finance providers.

DHFL Home Loan Interest Rates for Existing Customers

If you are an existing DHFL customer, you might get an additional benefit in terms of quick approval and lower interest rates. Generally, the DHFL home loan application process takes time to evaluate and approve. Being an existing customer makes you more credible, and the finance provider already has your bank details and financial history. With all such details in hand, DHFL will process your loan application without any interruption, and you will unlock a better interest rate deal. DHFL home loan interest rates for existing customers start from 11% per annum onwards.

Factors that Affect DHFL Home Loan Interest Rate and EMI

The interest rates offered on home loans are variable and depend on certain factors:

Credit/CIBIL Score

A credit score is a significant factor that directly impacts loan interest rates. Under any circumstances, you must maintain a credit score of 750 or above. Borrowers with good credit scores receive a better deal on interest rates.

Repayment History

A good repayment history demonstrates the creditworthiness of borrowers. It shows if the applicant has repaid their debt on time or not. The better the repayment history, the lower the interest rate.

Your Relationship with DHFL

Suppose you have maintained a good relationship with the company, like making on-time credit cards, maintaining a healthy savings account balance, etc. In that case, you are more likely to receive lower interest rates and a higher home loan amount.

Income Level

Although DHFL has set the least income amount, the applicants with better salaries will get more privileges in terms of interest rates.

The Reputation of Your Employer

If you are employed in an MNC or an organisation with a good reputation in the industry, DHFL will easily approve and disburse your home loan. The company will consider you as a trusted borrower. The NBFC might charge lower interest rates if you have a better credit score and history.

Avoid Any Defaults

Most lenders will reject your home loan application if you are on the defaulters' list. Even if any lenders agree, you will have to pay a higher interest rate on the loans.

Frequently Asked Questions (FAQs)

What's the interest rate for DHFL?

DHFL interest rate for various loan products starts from 11% per annum onwards.

What is the current rate of interest on a home loan?

The current DHFL home loan interest rate is 11% per annum. However, the home loan interest rate in DHFL may vary from one applicant to another based on their credibility.

Does DHFL provide a 90% home loan?

Yes, DHFL provides 90% of the property values as a home loan amount with a flexible repayment tenure of up to 30 years.

What is the EMI for a 30 lakhs home loan for 20 years?

At a DHFL home loan interest rate of 11%, the monthly instalment for 30 lakhs with a repayment tenure of 20 years will be INR 30,966.

How can I reduce my DHFL home loan interest rate?

If you wish to reduce your DHFL home loan interest rate, start working on it for at least one year before applying. Manage your finances better, repay your existing debts, make on-time payments, clear your credit card bills, and save. All such habits will make you financially strong and credible from a lender’s perspective.

Urban Money