HDFC Bank Preset (₹)Category: Bank-Specific Prepayment Presets →

HDFC Home Loan Prepayment Calculator

Simulate extra monthly part-payments, annual lump-sums, and reduce tenure vs EMI on your HDFC home loan to calculate exact interest saved.

HDFC Loan Parameters

RBI 0% Penalty

HDFC Loan Outstanding Principal₹

₹

HDFC Interest Rate (Repo Linked EBLR)% p.a.

Remaining TenureYears

Years

Monthly Extra Part-Payment+ Acceleration

₹

Yearly Lump Sum (Diwali / Appraisal Bonus)Annual Part Payment

₹

Total Guaranteed Interest Saved

₹0

You save 0% in total loan interest!

Tenure Reduced By

0 yrs 0 mos

Early loan closure

New Loan Payoff Date

Originally --

Current Regular EMI

₹0

Monthly HDFC installment

Total Paid With Prepayment

₹0

Originally ₹0

HDFC Outstanding Principal Paydown Trajectory

Amortization Schedule

Interactive breakdown of balance, interest, and prepayment impact

Period	EMI Paid	Principal Paid	Extra Prepayment	Interest Paid	Total Payment	Remaining Balance

HDFC Home Loan Part-Prepayment Strategy & RBI Rules

Because HDFC floating-rate home loans carry zero prepayment charges for individual borrowers, sending even one extra annual bonus can cut years off your mortgage tenure. Compare multi-date bonus injections using our Home Loan Part Prepayment Calculator, model EMI vs tenure reduction with the Home Loan EMI Prepayment Calculator, or compare bank policies across ICICI Home Loan and SBI Home Loan.

Debating whether surplus savings belong in mutual funds or against loan principal? Run exact post-tax numbers on our SIP vs Home Loan Prepayment Calculator or browse all regional lender presets in Bank Calculators Hub.

Frequently Asked Questions

Are there prepayment charges on HDFC Home Loans?

As per Reserve Bank of India (RBI) mandates, HDFC Bank / HDFC Ltd charges 0% prepayment penalty on all floating-rate home loans for individual borrowers. You can make part-prepayments or full foreclosure anytime without fees. Compare RBI zero-penalty peers in our SBI Home Loan Calculator, ICICI Home Loan Calculator, or HDFC Car Loan Prepayment Calculator.

What is the minimum part-prepayment amount allowed by HDFC?

HDFC Bank generally allows part-prepayments equal to at least 2 to 3 times your monthly EMI (or ₹10,000 to ₹25,000 minimum). Making an annual part-prepayment equal to 1 or 2 EMIs cuts 4 to 6 years off your loan tenure—verify multi-bonus dates in our Home Loan Part Prepayment Calculator.

Should I reduce EMI or reduce tenure on my HDFC home loan?

Reduce Tenure: Gives you maximum interest savings and helps you become debt-free faster. Reduce EMI: Lowers your monthly outgoing commitment while keeping the loan term unchanged. You can also test mutual fund returns against debt payoff in our SIP vs Home Loan Prepayment Calculator.

How do I make a part-prepayment in HDFC netbanking?

You can log into HDFC NetBanking or the HDFC Mobile Banking app, navigate to 'Loans' > 'Home Loan Account', and select 'Part Payment' via UPI, NetBanking, or NEFT/RTGS. Check fixed-rate exit fees via our Loan Preclosure Calculator.