Home Loans For Non-Resident Indians

For the purchase of

  • Flat, row house, bungalows from developers
  • Existing freehold properties and Resale Homes
  • Properties in an existing or proposed co-operative housing society or apartment owner's association
  • First Power of Attorney purchases in Delhi for DDA flats allotted before 1992
  • Self Constructed Homes



  • Maximum Loan Amount :
    Loan Amount Maximum Funding*
    Upto Rs 75 lacs 80% of the property cost
    Above Rs 75 lacs 75% of the property cost
    * Subject to valuation of the property as assessed by HDFC and repayment capacity of the individual as assessed by HDFC
  • Maximum loan term available up to 20 years
  • Apply individually or with a co-applicant
  • Adjustable Rate Home Loans
  • Equated Monthly Installments (EMIs) from NRE/NRO account
  • Wide Range of Repayment Options
  • Disbursement: In Indian Rupees at the HDFC branch specified by you based on your convenience


Processing Fees

Up to 1.25% of the loan amount or Rs.2,000 whichever is higher, plus applicable taxes.



  • Property Assistance for properties across India
  • Valuable insights on Developer projects, Location, Developer credentials, documentation, and offerings
  • Home loan advisory services


Repayment Options

  • Step Up Repayment Option
  • Flexible Loan Installment Plan
  • Tranche based EMI
  • Accelerated Repayment Scheme



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 required, if the property is under construction.

See the definition of NRI here.