Information only
HDFC Bank is a private sector bank in the Reserve Bank of India's (RBI) classification. RBI's Banks in India listing gives its address as Mumbai. According to the bank's website, as of 8 November 2026, its loan menu runs from personal, vehicle and gold loans to housing finance, business loans and education loans. Housing finance sits inside the bank because HDFC Ltd merged into it on 1 July 2023.
Loans it offers
Loan products named on HDFC Bank's website, as of 8 November 2026
| Loan | What to know |
|---|---|
| Home loans | The site lists home loans, home loan balance transfer, house renovation loans, home extension loans, home loan top-up, plot loans and rural housing loans as separate products. |
| Personal loans | Apart from the personal loan, the menu names a personal loan top-up, a marriage loan, a loan on credit card, a digital loan against mutual funds and a Salary Plus overdraft. |
| Loans against property | A loan against property is listed, and so is a loan against car, which uses your vehicle as security. |
| Business and MSME loans | A business loan is listed. The bank also has pages on the PM Mudra Yojana, the Stand Up India scheme and government sponsored programmes. |
| Car loans | New car, pre-owned car and EV car loans are listed as separate products. |
| Two-wheeler loans | Two wheeler, super bike and EV bike loans are listed separately. |
| Gold loans | A gold loan and a gold loan top-up are listed. |
| Education loans | Education loan has its own page on the bank's site. |
| Loans for professionals | A Doctor Loan is listed under business and self-employed loans and is meant for medical professionals. |
Read how these loans work on LOANZ 360: home loans, personal loans, loans against property, business loans, MSME loans, car loans, two-wheeler loans, gold loans, education loans and professional loans. The bank's own website is the record of its current products.
Key facts
| Fact | Detail |
|---|---|
| Regulator category | Private sector bank, regulated by the Reserve Bank of India |
| Address listed by RBI | Mumbai, Maharashtra |
| Mergers | Times Bank merged into HDFC Bank in 2000; Centurion Bank of Punjab in 2008; HDFC Ltd on 1 July 2023 |
As of 8 November 2026, the bank lists housing products such as plot loans, rural housing loans, house renovation loans and home extension loans on its own loan menu, following the merger of HDFC Ltd into the bank effective 1 July 2023.
Before you apply
- Because housing finance now sits inside the bank, a home loan, plot loan or renovation loan is documented by the bank itself. Ask for the Key Fact Statement (KFS) for the exact product and read the annual percentage rate (APR).
- If you want a top-up on an existing loan, check which top-up product applies: the menu shows separate top-ups for home loans, personal loans and gold loans.
- An overdraft such as Salary Plus works differently from a term loan. Ask how charges are calculated and whether the limit is reviewed.
- Processing, foreclosure, penal and valuation charges are set by the lender. Ask for them in writing before you sign.
- This helps avoid unnecessary credit enquiries; too many lender checks in a short time can lower your score. Checking your own score does not lower it.
Compare what you are offered on interest rates and browse the lenders page. The label (lending partner or information only) on each lender page is drawn by the site from live data. If this lender is shown as information only, apply on its own website.
Last updated 12 Nov 2026