HDFC Ltd Home Loan for Bank Employees

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Housing Development Finance Corporation offers attractive home loan schemes to bank employees seeking funding to purchase or invest in a home. With interest rates starting from only 8.75% per annum, the bank employees can avail of a home loan up to 90% of the property’s value. Borrowers can repay their home loan EMIs up to a tenure of 30 years, making the EMIs very flexible and affordable. Applicants can also include an earning co-applicant to become eligible for higher loan amounts and additional features. By reading further, check the eligibility and key highlights of the HDFC home loan for bank employees.

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Table of Content

1. HDFC Home Loan For Bank Employees Highlights

2. HDFC Home Loan For Bank Employees Fees & Charges

3. HDFC Home Loan For Bank Employees Documents Required

4. HDFC Home Loan For Bank Employees Eligibility Criteria

Written By

Thejus KS

A mechanical engineer turned history buff with a sprinkle of financial brilliance. Thejus’s expertise comes with a unique blend of engineering precision, timelines, and the power of numerals. He knows that numbers are the pulse of our globe. Attention to detail and extensive research are the key elements of his writing.

Reviewed By

Amit Prakash Singh

Co-Founder, Square Yards & Chief Business Officer, Urban Money

Amit Prakash Singh is the Chief Business Officer at Urban Money. With over nine years of experience at Square Capital, he has played a crucial role in establishing it as one of India's premier loan advisory services. Amit's deep financial insights and extensive knowledge have driven significant business growth and strategic advancements. He has successfully built and managed large sales teams, optimised costs, and created leaders within the industry. Amit's financial expertise and strategic vision are key to the ongoing success and expansion of Square Yards and Urban Money.

Last Updated: 20 December 2025

HDFC Home Loan For Bank Employees – Highlights

What makes HDFC home loans for bank employees an ideal choice for a home loan? Check the key highlights below:

Interest rate	8.75% p.a. onwards
Loan Amount	Amounts up to 90% of the property’s value
Loan Tenure	Up to 30 years
Eligibility	Bank employees having a steady source of income

HDFC Home Loan For Bank Employees – Fees & Charges

Here are the important fees and charges that are applicable when a bank employee is availing of an HDFC home loan:

Processing Fees – Up to 1% of the loan amount
Delayed Payment Charges – Maximum of 18% per annum

HDFC Home Loan For Bank Employees – Documents Required

Ensure to have the following documents with yourself when applying for an HDFC home loan for bank employees:

Identity Card issued by the government
Income Documents include the Last three months’ Salary Slips, the Last six months’ Bank Statements, salary credits, the Latest Form-16, and IT returns.
Property Documents

HDFC Home Loan For Bank Employees – Eligibility Criteria

Make sure you fit into the eligibility criteria of the HDFC home loan for bank employees:

Age – Between 18 to 70 years
Salaried bank employee
Indian Resident

Frequently Asked Questions (FAQs)

Can we avail of a PMAY subsidy with an HDFC staff home loan?

You can avail yourself of a PMAY subsidy with an HDFC staff home loan; just ensure you meet the eligibility criteria.

Who is eligible for an HDFC staff home loan?

Bank employees above 18 qualify for an HDFC staff home loan.

What are the benefits of an HDFC employee home loan?

Bank employees can benefit from lower interest rates on instant home loans, extended repayment terms of up to 30 years, and higher loan amounts of up to 90% of the property value. Additionally, women borrowers receive special interest rate discounts, enhancing affordability.

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