Home Loan Interest Rates & Charges

Home Loan Interest Rates

Are you wanting to purchase the house of your dreams?

DHFL offers you the best home loan rates that will help you maintain your monthly budget.

Best Home Loan Interest Rate offered from DHFL
TenureEffective Rate of Interest
1 – 30 Years8.70%* p.a. onwards

Our current Retail Prime Lending Rate (RPLR) is 18.82%

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DHFL Home Loan Interest Rates:
For Salaried / SEP (Re-substitution / Conversion Rate of Interest)
Current RateApplicable Rate of Interest DHFL
Less than 9%Nil
9 to 9.25%9.10%
9.25 to 9.5%9.20%
9.5 to 9.75%9.30%
9.75 to 10%9.40%
10 to 10.25% 9.50%
10.25 to 10.5%9.60%
10.5 to 10.75%9.70%
10.75 to 11% 9.80%
More than 11%Min 9.90%
For Self Employed / SENP (Re-substitution / Conversion Rate of Interest)
Current RateApplicable Rate of Interest DHFL
Less than 9%Nil
9 to 9.25%Nil
9.25 to 9.5%Nil
9.5 to 9.75%Nil
9.75 to 10%9.75%
10 to 10.25% 9.85%
10.25 to 10.5%9.95%
10.5 to 10.75% 10.05%
10.75 to 11%10.15%
11 to 11.5%10.35%
11.5 to 12%10.55%
More than 12%Min 10.75%

DHFL ensures that you get the best services on your home loan, please find below the charges applicable on services associated with your home loan:

Conversion Fees applicable on principal Outstanding excluding Taxes **
Outstanding BalanceFees
Less than 20 LacsRs. 2,500
20 to 30 LacsRs. 3,500
30 to 40 LacsRs. 4,500
40 to 50 LacsRs. 5,500
50 to 75 LacsRs. 6,500
75 to 100 Lacs Rs 7,500
More than 100 LacsRs. 8,500

**a. Conversion scheme can be availed only after 1 year from the date of disbursement.
b. Conversion scheme is not applicable for loans sanctioned under Land Loans, Easy Land Cum Construction Loans and/or Composite Loan (for only those cases where construction is still not done) and for Surrogate Products.

Sr No.Charge DescriptionCharge Amount
 Processing Fees (Non-Refundable)Loan AmountMinimum Login Fees
1Salaried/Self Employed Professional (SEP)Up to Rs. 30 Lakh : Rs. 5,000 + document charges + Applicable GSTRs. 2,500 or processing fee applicable whichever is lower + Applicable GST
Above Rs. 30 Lakh up to Rs. 75 Lakh: Rs. 10,000 + document charges + Applicable GST
Above Rs. 75 Lakh : Rs. 20,000 +document charges + Applicable GST
 Self Employed Non Professional (SENP)Net PAT: 0.5% + Applicable GST
Others : 1.5 % + Applicable GST
2CERSAI Registry / Modification ChargesRs. 50 + Applicable GST for loans upto Rs. 5 Lakh
Rs. 100 + Applicable GST for loans above Rs. 5 Lakh
3Technical Fees (for additional property or property situated outside geographic limit or for pre technical)a. Within 60 km radius: No charges
b. Beyond 60 km: Rs. 500 + Applicable GST for first visit and Rs. 750 + Applicable GST for subsequent visits
4Valuation fee in Construction Linked Loan cases First visit: No charges.
Subsequent visits: Rs. 500 + Applicable GST
5Part-Prepayment ChargesRate of Interest -Type Disbursement Stage Charges Applicable
Fixed / VariableWithin 6 months from 1st disbursementNo prepayment allowed
After 6 months
Borrower/ co-borrower is IndividualNo Charges
Borrower/ co-borrower is other than Individual2% + Applicable GST
5 (a)Foreclosure chargesRate of Interest -TypeDisbursement StageCharges Applicable
Fixed/VariableWithin 6 months from 1st DisbursementNo foreclosure allowed
After 6 months
Fixed / Variable Own SourceNo Charges
Borrower/co-borrower is individual
VariableBalance Transfer
Fixed/ VariableBorrower/co-borrower is other than individual 2% + Applicable GST
Balance Transfer
5 (b)Prepayment Charges (Plot Loans/Easy Land Cum Construction Loans)3% + Applicable GST in case the dwelling unit is not constructed on the plot within 3 years from the date of first disbursement of the loan. (Borrower/co-borrower is other than individual)
6Cheque/ECS bounce chargesRs. 500 + Applicable GST
7Bank Charges on Cheque/ECS BounceAt actual
8Overdue Charges on default installment (EMI/Pre-EMI)18% Per annum on the outstanding dues.
9Demand Draft/Pay Order issuance chargesRs. 150 per Lakh or actual bank charges, whichever is higher + Applicable GST.
10Cheque/ECS swapping charges (per set)Rs. 250 + Applicable GST per swap
11Collection pickup chargesRs. 250 per visit + Applicable GST
12Legal Charges Legal charges as applicable on case to case basis
13Non-encumbrance certificateAt actual
14Recovery chargesAt actual
15Stamp duty/ Franking charges As per applicable law/charges of the relevant property state
16Duplicate No Dues Certificate Rs. 250 + Applicable GST
17Copy of property documentsRs. 500 + Applicable GST
18Statement of account/ provisional IT certificates 1st : No charges
Subsequent : Rs. 250 + Applicable GST
19Custodial Fee for property documents in closed loansRs. 500 Per month (post 60 Days from Loan Closure Date) + Applicable GST
20Document retrieval charges on closure of loanRs. 1,000 + Applicable GST for loans upto Rs. 10 Lakh,
Rs. 2,000 + Applicable GST for loans above Rs. 10 Lakh
21Foreclosure statementRs. 500 + Applicable GST

No conversion is applicable for loans sanctioned under Land Loans, ELCC/ Composite Loan (Only those cases where construction is still not done) and Surrogate Products.

We at DHFL, offer you the one of the lowest interest rate for a home loan which sure does make a huge difference to your overall budget. Also, with the current rate of interest on home loans, DHFL will help ensure that financial restraints do not come your way, while your purchase your very own dream home. So do not hesitate to take our help and invest in a lifetime of happiness for yourself.

*Terms and conditions apply. Limited Period Offer

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