Why BankBazaar Home Loan?
  • Compare multiple bank offers
  • Apply Online for Lowest Rates
  • Get e-approval instantly
HDFC Home Loan Ratings
4.0 / 5.0 by 13 users

Fees & Charges

Promised Interest Rate

Customer Service

Responsiveness

HDFC Home Loan Reviews

"HDFC Bank customer service and instant response was good,myself and my wife is a regular user of credit card,we have a signature card which has tie-up with many outlets,even they provide discount coupon for travel and one good thing is HDFC Bank credit card is accepted on all petrol pumps .It will be good if they stop deducting amount from customer account at the time of cash or cheque deposit. "

, Bangalore
More Reviews
Choose Loan Offers From

HDFC Home Loans

HDFC Ltd a leading housing finance provider in India offers home loans for both resident Indians and NRIs.

HDFC Home Loan Interest Rates

HDFC home loan interest rates start as low as 10.5%. Apply on BankBazaar.com for a HDFC home loan and get e-approved instantly provided you meet the eligibility criteria.

HDFC Home Loan Comparison

Compare HDFC Home Loan Interest Rates and fees with other bank online.
Secure & Safe

Compare HDFC Home Loan with other banks & check your loan eligibility

We've identified the lowest interest rate quotes for your profile with great savings.

Rates & special offers displayed below are accurate & applicable ONLY for applications made on BankBazaar.com

  • Some fields are incorrect or have not been filled in. Please correct this to proceed.
  •       Self Employed?
    Slowly start typing your employer's name and choose from the recommendations provided. If you do not see your employer on our list, simply type the name in this field.
  • This is your gross monthly salary as per your monthly payslip prior to deductions (include only payments via direct deposit or cheque i.e. exclude payments in hard cash and in-kind components)
  • Include only the following components of cost: Basic Cost, car parking (if being sold), Firefighting charges, electricity/water charges,Electrification charges, Power Back Up, Internal Development Charges (IDC), External Development Charges (EDC), Preferential Location Charges (PLC), Interest Free Maintenance Security Deposit ( IFMS), Club Membership, VAT & Service Tax, Stamp duty and registration charges.
  • Please provide First Name as it appears in your PAN card.
  • loading..
Step 1 of 3

HDFC Home Loan Overview

HDFC Home Loan Apply on BankBazaar.com for HDFC Ltd Home Loans and get instant e-approval.

HDFC Ltd is the most trusted housing finance company in India. If you are looking to buy a home and need a loan then check the exciting home loan offers from HDFC Ltd. Get instant e-approval from HDFC on home loans, home improvement loans, home extension loans, and loan against property or short term bridging loans. Check your HDFC home loan eligibility now by filling up the above form and get best housing loan offers instantly. Check your Eligibility Now!

Why Apply for HDFC Home Loan on BankBazaar.com?
  • Lowest interest rates: We have coordinated with HDFC Ltd to get you the best home loan interest rates. In fact HDFC Ltd use BankBazaar.com-powered technology to give their customers the best home loan experience on their website https://www.hdfcinstanthomeloans.com/
  • Instant e-approval: On BankBazaar.com you can compare home loan offers, apply online and get instant e-approval for your home loans from HDFC Ltd.
  • Simple Online Comparison: Compare home loan offers on the basis of loan eligibility, EMI, interest rate, fees and customer ratings.
  • Transparency: Aimed at helping you make the right choice, we provide objective and transparent information about your loan options.
  • Privacy: When you apply for HDFC Home Loans at BankBazaar.com your details are sent only to HDFC and are never shared with anyone else.
How to get HDFC Ltd home loans on BankBazaar.com
  • Eligibility Calculator: Fill the form above to instantly get customized HDFC home loan quotes that you are eligible for.
  • Compare home loan offers: Compare customized home loan offers from HDFC based on your eligibility criteria and apply online.
  • Your home loan application will be sent electronically to HDFC Ltd. HDFC will contact you within one day.
  • BankBazaar.com will update you on your loan application status via email & SMS alerts

HDFC Home Loan FAQs

  1. How much can I borrow?
    HDFC Ltd will fund up to 80% of the property value.

  2. Can I transfer my existing home loan to HDFC?
    Yes, you can transfer your Home Loan to HDFC without any hassles and at attractive interest rates.

  3. What is pre-EMI interest?
    Pending final disbursement, you pay interest on the portion of the loan disbursed. This interest is called pre-EMI interest. Pre-EMI interest is payable every month from the date of each disbursement up to the date of commencement of EMI.

  4. Can I repay my loan ahead of schedule?
    Yes, you can repay the loan ahead of schedule by making lump sum payments or choose our accelerated repayment scheme.

  5. Do I get a tax benefit on the loan?
    Yes. Resident Indians are eligible for certain tax benefits on principal and interest components of a loan under the Income Tax Act, 1961. Interest repayment of Rs. 1,50,000 p.a. can get you a tax saving up to about Rs. 50,490 p.a. Moreover, you can get added tax benefits under Section 80C on repayment of principal amount up to Rs. 1,00,000 p.a. that can further reduce your tax liability by about Rs. 33,660 p.a.

  6. What security will I have to provide?
    The security for the loan is a first mortgage of the property to be financed, normally by way of deposit of title deeds and/or such other collateral security as may be necessary. Interim security may be additionally required, if the property is under construction. Collateral or interim security could be assignment to HDFC of life insurance policies, the surrender value of which is at least equal to the loan amount, guarantees from sound and solvent guarantors, pledge of shares and such other investments that are acceptable to HDFC. Please do ensure that the title to the property is clear, marketable and free from encumbrance. To elaborate, there should not be any existing mortgage, loan or litigation, which is likely to affect the title to the property adversely.

  7. Does the Agreement for Sale have to be registered?
    In many states in India, the Agreement for Sale between the builder and purchaser is required by law to be registered. You are advised, in your own interest to lodge the Agreement for registration within four months of the date of the Agreement at the office of the Sub-Registrar appointed by the State Government, under the Indian Registration Act, 1908..

  8. Are there any restrictions on transfer of immovable properties?
    In terms of Chapter XX C of the Income Tax Act, 1961, the Central Government has the first option to purchase certain immovable properties exceeding certain value and as such transactions covered by this Chapter can be proceeded with only after complying with the requirements prescribed therein.

  9. Can I get a higher loan through my existing loan account?
    You could go in for a Home Conversion Loan with your lender whereby your existing loan could be transferred to the new property with an increase in loan amount subject to your current loan eligibility. This would save you from the hassle of prepaying the first loan, also saving you from prepayment and processing charges to the extent of the loan converted.

  10. Do I have the option to structure my loan as partly fixed or partly floating?
    Yes, you can structure your HDFC Ltd. Home Loan as Partly Fixed or Partly Floating as per your needs.

HDFC Home Loan Eligibility & Documentation

HDFC Bank Home Loan Eligibility:
Anyone with a repayment capability and a dream to buy a home is eligible to get a home loan. Some of the important eligibility criteria are as follows:

  • Salaried individual or Self employed individual or Self employed professional like doctor, lawyer, etc.
  • NRI or resident Indians
  • Aged between 21 years and 65 years
  • Have a good CIBIL credit score
  • Good repayment capacity with fixed & stable income source
  • Employment at a stable company
  • Try our home loan eligibility calculator to check how much loan amount you are eligible for.

How is your HDFC Bank home loan eligibility determined?
Based on the following aspects financial institutes will determine your loan eligibility:

  • Your monthly income
  • Property cost (you can get 80% of the property value if the loan amount is less than 20 lakhs and 85% of the property value if the loan amount is more than 20 lakhs. )
  • Other EMI’s which you are paying for any other loan

Fill the form above to check your actual home loan amount eligibility.


HDFC Bank Home Loan documentation: For a speedy Home Loan approval you will need genuine documents which will help banks to give quick approvals. Here is a standard list of options for each document required.
Identity proof:

  • Driving license
  • Voters ID
  • Passport
  • PAN card
  • Ration card
  • Employee ID
  • Bank passbook
  • Letter from a recognized public authority or public servant verifying your photograph
  • Confirmation letter from your employer or another bank verifying your photograph

Address Proof:

  • Driving license
  • Voters ID
  • Passport
  • Ration card
  • Bank passbook or Bank account statement
  • LIC policy/ receipt
  • Utility Bill – telephone, electricity, water, gas (less than 2 months old)
  • Letter from any recognized public authority verifying residence address of the customer
  • Letter from your employer

Age Proof:

  • Driving license
  • Passport
  • Bank passbook
  • PAN Card
  • Birth certificate
  • 10th standard mark sheet

Income Proof: The following set of documents that detail your credit profile varies according to whether you are a salaried individual or a self-employed individual.
Self Employed/Entrepreneurs:

  • A brief introduction of Business/Profession
  • Balance Sheet, profit and loss account statement of income, proof of income tax returns for the last 3 years certified by a CA
  • Photographs
  • Receipts of advance tax payments if any made
  • A photocopy of Registration Certificate of establishment under Shops and Establishments Act/Factories Act
  • Registration Certificate for deduction of Profession Tax
  • Certificate of Practice
  • Receipts of Bank loans
  • Proof of investments (FD Certificates, Shares, any other fixed asset)

Salaried Individuals:

  • Income Proof ( you just need to provide one of the options listed for income proof)
  • Latest Pay slip
  • Form 16
  • Increment/Promotion letters
  • Appointment letter
  • Pay slip (Last 2 months) with salary account bank statement
  • Certified letter from Employer
  • IT returns ( for three years )
  • Investment proof (FD certificates, shares, any fixed asset etc.)
  • Documents supporting the financial background of the borrower (his liability and assets if any)
  • Photographs

What are the documents required for obtaining NRI Home Loans?
NRIs are required to submit a few documents more than is required for a resident Indian:

  • A copy of the passport
  • A copy of the works contract (also sometimes referred to as the contract card/labor card)
  • The power of attorney (POA). The POA is required because the borrower is not based in India and in such a scenario; the HFC would need a representative ‘in lieu of’ the NRI to deal with as required. Although not compulsory, the POA is usually drawn on the NRI’s parents, wife or children

I am purchasing a flat from the builder, what supporting documents I will need to submit to the bank?

  • Original copy of your agreement with the builder
  • 7/12 extract – This is issued by the concerned land authorities giving details such as the survey numbers, area, date from which current owner is registered as owner etc.
  • Property register card, which is obtained from the City Survey Department
  • N.A. permission for the land from the collector, if its agricultural - If the land is agricultural and is being utilised for residential/ commercial/industrial use, then such agricultural land has to be converted to non-agricultural land and a Non-Agriculture Order has to be obtained from the Collector of the district where the property is located.
  • Search Report and Title Certificate – A search report and title certificate can be obtained from an advocate who will conduct a survey of the title of the property by visiting the office of registrar. A legal opinion can avoid any legal hassles later and is mandatory to be filed with the agreement for sale.
  • Development agreement between the owner of land and the builder
  • Copy of order under the Urban land Ceiling Act
  • Copy of building plans sanctioned by the competent authority
  • Commencement certificate granted by the Corporation
  • Building completion certificate
  • Latest receipts for taxes paid towards the land or property or flat to be purchased
  • Partnership deed or memorandum of association of the builders firm

I am purchasing the house from a Cooperative Society, what documents I will need to submit to get a home loan?

  • Original share certificate of the Society
  • Allotment letter from the Society in your name
  • Copy of the lease deed, if executed
  • Certificate of the registration of the society
  • Copy of the byelaw’s of the Society
  • No objection certificate from the Society
  • 7/12 extract or property register card in the Society’s name
  • Copy of N.A permission for the land from the collector
  • Search Report and Title Certificate
  • Copy of order under the Urban Land Ceiling Act
  • Copy of the building plans sanctioned by a competent authority
  • Commencement certificate granted by Corporation
  • The latest receipts of taxes paid for the property
  • Original Agreement to assign / Deed of assignment

What documents I will need, if I am constructing house on my own land?

  • Original sale deed of land and extract of Index II
  • 7/12 extract or property register card in your name
  • Copy of N.A. permission for land from the collector
  • Search and title report
  • Copy of tax paid under Urban Land Ceiling Act ( obtained from Commissionerate of Urban Land Ceiling and Urban Land Tax )
  • Copy of the building plans sanctioned by a competent authority
  • Building permission granted by the Corporation
  • The latest receipts of taxes paid for your land
  • Estimate of the cost of construction certified by the architect

What are the documents that need to submitted for disbursement of a home improvement loan?

  • Title deeds for the past of 13 years
  • Encumbrance certificate for the past 13 years ‘Khata’ certificate
  • Most recent tax receipts for the property
  • Approved plan
  • License for the extension
  • Cost estimate from a qualified engineer
  • Cost estimate from the architect

HDFC Home Loan Interest RatesUpdated on 18 April 2014

Details of HDFC Home Loan

HDFC Home Loan Interest Rate.(Monthly reducing balance)
10.5% to 11.25% floating
RPLR is currently 16.5%. Check Customized Interest Rates Now!
Processing Fees
0.5% of the loan amount, capped at Rs. 10,000
Prepayment Fees
No Fee
HDFC Home Loan Preclosure Fee
Floating offer (ARHL): No Fee
Fixed offers (FRHL): No Fee if closed through own funds. If closed via Balance Transfer, a charge of 2% of outstanding amount (including all amounts prepaid in same financial year) will be applicable.
HDFC Home Loan Amount Funded
Up to 85% of property value
HDFC Home Loan Tenure
1 year to 20 years
Guarantor Requirement
Guarantor is not required

Home Loan Articles

  • Checklist-Home loan documentation!
    Home loans are easy to come by these days. So, don’t fret over it. Focus on the documents you need to furnish while applying for a home loan. Documents required: We give you a standard list of documents your bank will ask for. Besides this you need to submit details of the property or home you are obtaining the loan for.
  • Are you loan eligible?
    Home loans are the most easily accessible financial supplement to purchase your dream home. To understand how to enhance your eligibility to apply for a home loan, make a simple self-assessment. Here is how banks do it.
  • Beware of these home loan facts!
    A bank is eligible to demand additional security when property prices fall. Even if you are loyal on your EMI payments, this clause demands a security cover in addition to your loan amount and if a borrower fails to provide such a security then he/ she may be declared a defaulter by the lender.
  • Have more questions on loans? Ask us now!
    GATEWAY_HL_ARTICLE5_SUMMARY

Home Loan Forum

Comments: 97    Views:      September 26

Comments: 3    Views: 35     March 27

Comments: 1    Views: 29     March 25

Comments: 1    Views: 75     March 23

Comments: 1    Views: 1     March 21

Comments: 1    Views: 33     March 18

Comments: 1    Views: 42     March 13

Comments: 3    Views: 13     March 12

Comments: 1    Views: 42     March 11

Comments: 1    Views: 22     March 07

Comments: 0    Views: 22     March 06

Comments: 2    Views: 22     March 04

Comments: 1    Views: 22     March 03

Comments: 3    Views: 12     March 03

Comments: 0    Views: 11     February 26

Comments: 0    Views: 32     February 18

Comments: 0    Views: 41     February 17

Comments: 3    Views: 52     February 08

Comments: 1    Views: 51     February 08

Comments: 0    Views: 12     February 14

Comments: 0    Views: 21     February 10

Comments: 1    Views: 102     January 07

Comments: 1    Views: 51     January 07

Comments: 1    Views: 11     January 07

Comments: 4    Views: 112     December 27

Comments: 1    Views: 71     December 27

Comments: 1    Views: 42     December 27

Comments: 3    Views: 52     December 27

Comments: 0    Views: 1     December 27

Comments: 1    Views: 2     December 16

HDFC  Home Loan Reviews
92 % of our customers would recommend this bank. (12 out of 13) Write Review
Customer Reviews
Page 1 of 1 1
  • Awesome Service
    /images/customer_review/default-unknown-person.png
    DINKAR SINHA, bangalore
    Yes, I recommend this bank.
    HDFC BANK Home Loan
    5.0/5
    validated-source
    (1)

    HDFC Bank customer service and instant response was good,myself and my wife is a regular user of credit card,we have a signature card which has tie-up with many outlets,even they provide discount coupon for travel and one good thing is HDFC Bank credit card is accepted on all petrol pumps .It will be good if they stop deducting amount from customer account at the time of cash or cheque deposit.

    Was this review helpful? Yes

    Thank you for your vote

    Thanks, you've already rated this review

    Fees & Charges
    Promised Interest Rate
    Customer Service
    Responsiveness
    took a Home Loan from HDFC BANK on BankBazaar.com Reviewed on
  • Good Bank
    /images/customer_review/default-unknown-person.png
    RUPALI RAVI KANSE, mumbai
    Yes, I recommend this bank.
    HDFC BANK Home Loan
    5.0/5
    validated-source
    (0)

    I am using HDFC bank credit card and it is really good. I am very comfortable using their net banking services and that is good for fund transfer facility and credit card bill payment. Another good option with HDFC Bank is they have EMI conversion scheme and any transaction crossing Rs 2000 can be converted into EMI which is very useful and awesome scheme. My salary account is also with HDFC Bank and I have given standing instruction option for LIC Insurance payment which is really fantastic in making the payment on time without any defaults

    Was this review helpful? Yes

    Thank you for your vote

    Thanks, you've already rated this review

    Fees & Charges
    Promised Interest Rate
    Customer Service
    Responsiveness
    took a Home Loan from HDFC BANK on BankBazaar.com Reviewed on
  • Happy Customer
    /images/customer_review/default-unknown-person.png
    DEVRISHI TIWARI, indore
    Yes, I recommend this bank.
    HDFC BANK Home Loan
    4.5/5
    validated-source
    (0)

    I have a credit card,saving account with HDFC Bank and I am an existing customer for the past 8 years.I am enjoying a lot using my credit card and I have been given 5,00,000 credit limit which is the best thing from HDFC's End.I use their credit card for all transactions /online purchases also and it is accepted in all merchant outlets.One disadvantage is, HDFC Bank doesn't have EMI conversion for all types of transactions when compared with other bank and they should bring in such facility.

    Was this review helpful? Yes

    Thank you for your vote

    Thanks, you've already rated this review

    Promised Interest Rate
    Fees & Charges
    Customer Service
    Responsiveness
    took a Home Loan from HDFC BANK on BankBazaar.com Reviewed on
  • Customers should be educated on the process
    /images/customer_review/default-unknown-person.png
    VISHWAS BHAUSAHEB TARALEKAR, mumbai
    Yes, I recommend this bank.
    HDFC BANK Home Loan
    4.0/5
    validated-source
    (0)

    HDFC BANK Credit card services are fine. They have given me a higher credit limit and have been using this card since 5 years and so far i have not faced any issues.One bad thing with HDFC Bank is they have not explained me clearly about the the cash back reward plan. I have earned around 5000 bonus point and till now i have not utilized the bonus points to redeem it as I am not aware of the procedure

    Was this review helpful? Yes

    Thank you for your vote

    Thanks, you've already rated this review

    Promised Interest Rate
    Fees & Charges
    Customer Service
    Responsiveness
    took a Home Loan from HDFC BANK on BankBazaar.com Reviewed on
  • Needs Improvement On Credit Card Customer Service
    /images/customer_review/default-unknown-person.png
    DINESH KUMAR MISHRA , delhi
    Yes, I recommend this bank.
    HDFC BANK Home Loan
    4.0/5
    validated-source
    (0)

    I have my company salary account with HDFC Bank.Overall its a best bank to deal and so far I haven't faced any problem with regard to my savings account but always have a issue with credit card customer service.They provide a bad service and they don't give proper response. Good things with HDFC Bank account is their net banking services and fund transfer facility"

    Was this review helpful? Yes

    Thank you for your vote

    Thanks, you've already rated this review

    Promised Interest Rate
    Fees & Charges
    Customer Service
    Responsiveness
    took a Home Loan from HDFC BANK on BankBazaar.com Reviewed on
  • Good Support
    /images/customer_review/default-unknown-person.png
    PRABHU NAGARATINAM, chennai
    Yes, I recommend this bank.
    HDFC BANK Home Loan
    4.0/5
    validated-source
    (0)

    HDFC Bank provides a pretty good services. Customer support is really good. One negative point with HDFC Bank is their phone banking services and it is not up to the mark. When i try to reach phone banking they make me wait in the line,Telephone identification number needs to be entered which doesn’t work most of the time and very complicated to reach the phone bankers. otherwise the service is fine and almost for the past 8 years I have been banking with them and feel comfortable

    Was this review helpful? Yes

    Thank you for your vote

    Thanks, you've already rated this review

    Promised Interest Rate
    Fees & Charges
    Customer Service
    Responsiveness
    took a Home Loan from HDFC BANK on BankBazaar.com Reviewed on
  • Wonder full Services
    /images/customer_review/default-unknown-person.png
    MANISH SINGH THAKUR, nagpur
    Yes, I recommend this bank.
    HDFC BANK Home Loan
    4.0/5
    validated-source
    (0)

    HDFC Bank is good and I have my salary account with them. They opened my account within 3-4 days with basic documents. HDFC Bank sent their executive to my office to get the documents picked up and the process was done very smoothly.All the facility provided by them are very good and their net banking is awesome / user friendly

    Was this review helpful? Yes

    Thank you for your vote

    Thanks, you've already rated this review

    Promised Interest Rate
    Fees & Charges
    Customer Service
    Responsiveness
    took a Home Loan from HDFC BANK on BankBazaar.com Reviewed on
  • Good Cash Back scheme
    /images/customer_review/default-unknown-person.png
    ASHISH CHANDRAKAR, raipur
    Yes, I recommend this bank.
    HDFC BANK Home Loan
    4.5/5
    validated-source
    (0)

    I have never faced any issue using HDFC BANK credit card.I also have saving account with HDFC BANK and their interest payout on account is good. With regard to processing they took a very minimum time to process and they themselves approached me for card up gradation to Platinum- Chip card. 80% I use only credit card for my transactions and I feel comfortable using it.HDFC BANK credit card customer service is also good.

    Was this review helpful? Yes

    Thank you for your vote

    Thanks, you've already rated this review

    Promised Interest Rate
    Fees & Charges
    Customer Service
    Responsiveness
    took a Home Loan from HDFC BANK on BankBazaar.com Reviewed on
  • Good service from HDFC!!!!!
    /images/customer_review/default-unknown-person.png
    Yes, I recommend this bank.
    HDFC BANK Home Loan
    4.0/5
    validated-source
    (0)

    Earlier I approached the Axis bank for home loan but due to some reason I was unable to get it from their bank. Later when i approached HDFC to my surprise i got this loan. I am really happy with their processing fees and the interest rate what they have given me.

    Was this review helpful? Yes

    Thank you for your vote

    Thanks, you've already rated this review

    Promised Interest Rate
    Fees & Charges
    Customer Service
    Responsiveness
    took a Home Loan from HDFC BANK on BankBazaar.com Reviewed on
  • HDFC Bank Must Fulfill Customers Requirement
    data:image/jpeg;base64,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
    SANJEEV KUMAR, chennai
    Yes, I recommend this bank.
    HDFC BANK Home Loan
    3.0/5
    validated-source
    (0)

    I am using HDFC Bank credit card for a long time.They have given me some limit,but not enhanced the card till date even after making several request for card enhancement.HDFC Bank seems to be not interested in doing the card enhancement and I am not convinced with the reasons they give me all the time. They state that I am not eligible and will get back when am eligible for the enhancing the card limit.HDFC Bank also has a very simple process for making payments and transactions can be converted into EMI if the amount crosses 5000 rs which is a wonderful benefit given by HDFC LTD

    Was this review helpful? Yes

    Thank you for your vote

    Thanks, you've already rated this review

    Promised Interest Rate
    Fees & Charges
    Customer Service
    Responsiveness
    took a Home Loan from HDFC BANK on BankBazaar.com Reviewed on
  • Good Offers given for existing customers
    /images/customer_review/default-unknown-person.png
    SRINIVAS B, hyderabad
    Yes, I recommend this bank.
    HDFC BANK Home Loan
    5.0/5
    validated-source
    (0)

    I am an existing customer of HDFC Bank and have availed credit card services. I have faced lot of issues with other bank credit cards but HDFC is too good to transact. Since being an existing customer ,they have given a extended grace period of 3 months where i can pay the due amount within 3 months and also HDFC Bank has wonderful cash back offers.

    Was this review helpful? Yes

    Thank you for your vote

    Thanks, you've already rated this review

    Promised Interest Rate
    Fees & Charges
    Customer Service
    Responsiveness
    took a Home Loan from HDFC BANK on BankBazaar.com Reviewed on
  • HDFC PERSONAL LOAN
    /images/customer_review/default-unknown-person.png
    Gopal Namasivayam, chennai
    Yes, I recommend this bank.
    HDFC BANK Home Loan
    5.0/5
    (1)

    BankBazaar has been very helpful in the whole process and I applaud your service for the same in getting the loan . I have become a fan of your site and will be using it more often in future and also refer others regarding your site .

    Was this review helpful? Yes

    Thank you for your vote

    Thanks, you've already rated this review

    Fees & Charges
    Interest Rate
    Customer Service
    Responsiveness
    took a Home Loan from HDFC BANK Reviewed on
  • Review number: 498
    /images/customer_review/default-unknown-person.png
    HDFC BANK Home Loan
    4.5/5
    validated-source
    (0)

    Excellent Customer Service by BankBazaar & HDFC Bank

    Was this review helpful? Yes

    Thank you for your vote

    Thanks, you've already rated this review

    took a Home Loan from HDFC BANK on BankBazaar.com Reviewed on
Customer Reviews
Page 1 of 1 1