DHFL Home Loan


DHFL Home Loan offers attractive low-interest home loans up to Rs. 2 Crore, even with minimal documentation. One of the most significant advantages of this home loan is the transparency of loan processing and zero hidden charges. With DHFL, you can get up to 90% of the property value covered with the home loan. In addition, you can get home at the best-floating rates or fixed rates as per your choice. For home loans at floating interest, there are no pre-payment charges.

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DHFL Home Loan

  • Interest Rate


  • Loan Amount

    ₹1L - ₹7Cr

  • EMI Per Lakh


  • Processing Fees

  • Pre-Payment Charges


Features and Benefits of DHFL Home Loan

DHFL Home Loan has several amazing features tailored to offer multiple benefits to its customers.

Loans for All

DHFL offers loans to all salaried and self-employed individuals who meet the eligibility criteria of the home loan.

Minimum Documentation

Piramal Finance demands minimal documentation to ensure a hassle-free and easy processing of a home loan application.

Hassle-free Procedures

Applying for a DHFL Home Loan is quite easy. You simply need to fill in the application form and submit all the required documents. Soon, you will receive a call from DHFL's relationship manager and start the process at your convenience. The online home loan application has made the process simpler and easier.

Home Loan EMI that Fits Your Pocket

DHFL offers you the flexibility to choose from the floating or a fixed interest rate while you opt for a home loan. If you opt for a loan up to 90% of the property purchase price, you have a higher probability of turning your dream of owning a home into a reality.

Flexibility of Repayment of the Home Loan

DHFL offers a plethora of options to choose from to create a home loan structure that matches your requirements. You get flexibility in the loan tenure, foreclosure and prepayment.

Tax Benefits

With a home loan comes tax benefits. Under Section 80C of the Income Tax Act, 1961, you can claim up to ₹1.5 lakhs on the principal amount, stamp duty, and the registration charges of the housing loan.

DHFL Home Loan Fees and Charges

Particulars Applicable charges
CERSAI Registry/Modification Charges For loans up to ₹5 Lakh – ₹50  For loans above ₹5 Lakh – ₹10 lakh
Technical Fees (for additional property or property situated outside geographic limit or for pre technical) Within 60 km radius: ₹500 (for the first visit) and ₹750 (for subsequent visits) No charges beyond 60 km
Valuation fee in Construction Linked Loan cases First visit: ₹500 No charges for subsequent visits thereafter
Part-Prepayment Charges Within 6 months from 1st disbursement: No prepayment allowed After 6 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 charges Within 6 months from 1st disbursement: No foreclosure allowed After 6 months:
  • No Charges (for individual borrowers/co-borrowers)
  • 2% (for borrowers/co-borrowers other than an individual)
Overdue Charges on default instalment (EMI/Pre-EMI) 18% p.a. on the outstanding amount
Demand Draft/Pay Order issuance charges ₹150/lakh or actual bank charges, whichever is higher
Statement of account/ provisional IT certificates 1st time: No charges Subsequent: ₹250
Custodial Fee for property documents in closed loans ₹500 per month (post 60 days from Loan Closure Date)
Document retrieval charges on the closure of loan For loans up to Rs. 10 Lakh: ₹1,000 For loans above Rs. 10 Lakh: ₹2,000
Foreclosure statement ₹500

Documents Required for DHFL Home Loan

The documents that you have to submit while applying for a home loan include the following:

  • PAN card
  • Identity proof (any one of the following):
    • Aadhaar card
    • Voter ID card
    • Passport
    • Driving license
    • Job card issued by NREGA
    • Letter issued by the National Population Register containing details of photo/name
  • Address proof (any one of the following):
    • Voter ID card
    • Passport
    • Aadhaar card
    • Driving license
    • Job card issued by NREGA
    • Utility bills like telephone bill/electricity bill etc.
    • Letter issued by the National Population Register containing details of photo/name and address.
  • A salaried person has to provide any of the following income proof documents:
    • Last 3 months' salary slips
    • Form 16
    • Bank statements from the previous six months and payslips
    • Documentation of the collateralised property
  • Self Employed Person has to furnish any of the following income proofs:
    • ITR for the previous two years, with computation
    • CA audited financials wherever applicable
    • 6 months primary bank statement
  • Passport size photographs
  • Co-applicant: Having a co-applicant for a DHFL home loan is obligatory. A woman co-applicant is mandatory in specific conditions such as: 
    • When a co‐applicant is a spouse or any first blood relative like siblings, parents or children who have attained the maturity age (s.t. income-ownership grid)
    • All co-owners of property must be on a loan structure.
    • Friends cannot be made co‐applicants (allowed only if they are coming in the capacity of Shareholder/Partners/Directors).

You have to furnish all the documents during the application to get your DHFL home loan approved.

How Does the EMI Calculation Work for DHFL Home Loan?

You can calculate your Equated Monthly Instalments (EMIs) by determining the principal loan amount, maximum tenure offered by DHFL and the rate of interest. You can use the formula given below to calculate the monthly EMI you have to 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 rate of interest: R is at 8.75%
  • The loan tenure: n can be up to 20 years

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


From refinancing to reducing your interest, we have the answers right here.

How much time does the DHFL home loan application take for approval?

Typically, it takes from 3 to 15 days, subject to property documentation offered by the home loan applicant, to get the approval on the home loan application.

Do part-prepayments have any effects on your EMIs?

Yes, part-prepayment has an impact on your EMIs. It decreases the principal amount, which in turn, lowers the amount of interest you must pay. As a result, your EMIs become cheaper.

Is it possible to get a home loan for the entire purchase amount?

No. According to the RBI guidelines, a lender cannot provide 100% of the home loan amount. However, you may get a home loan for about 80% to 90% of the purchase price of the property, depending on the lender you have opted for. However, you would need to make a down payment of the remaining amount on your own.

How can I get an estimation of the loan amount?

The simplest way to determine the eligibility of the home loan and its EMI is to make use of the Calculator available on Urban Money's website. It's a free online tool that lets you plan your loan in a clearer and more efficient way.

Do we get any tax benefits on DHFL Home Loan?

Under Section 80C of the Income Tax Act, 1961, you can claim up to ₹1.5 lakhs on the registration cost, stamp duty charges and principal amount of the housing loan.

What is the maximum loan amount and loan tenure offered by DHFL?

With DHFL, you can avail of a maximum loan amount of ₹75 lakh (or more, in some cases) and a loan tenure of up to 25 years.

How can you improve your eligibility for the home loan?

There are several ways you can increase the chances of getting a home loan. Some of these include improving your credit score, paying off all your existing loans and getting a well-structured repayment plan.

What are the factors that determine home loan eligibility?

Your home loan eligibility depends on various factors, including your credit score, age, occupation, income, credit history, etc.

Does DHFL offer loans to buy a plot/land?

Yes. You can get a loan to buy a land/plot from DHFL. Please get in touch with the DHFL customer care representative for more details.

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