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Home > Home Loan > HDFC Home Loan > HDFC Home Loan Prepayment Online

HDFC Home Loan Prepayment Online

April 10, 2025
13 min read
Table of Contents

Estimated reading time: 13 minutes

Prepaying your home loan can save you a substantial amount of interest over the loan tenure. With HDFC’s online services, prepaying your home loan has become a straightforward and convenient process. This guide will walk you through the steps of HDFC home loan prepayment online and how to use the HDFC home loan prepayment calculator.

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Steps for HDFC Home Loan Prepayment Online

HDFC Home Loan Online Prepayment Process

HDFC provides a seamless online platform for prepaying your home loan. Follow these steps:

  1. Log in to Your HDFC Loan Account

    Visit the HDFC Home Loan Portal.
    Log in using your Loan Account Number (LAN) and password.
    HDFC Online prepayment login

  2. Navigate to the Prepayment Section

    Once logged in, select ‘Loan Details’ from the dashboard.

    Click on ‘Prepayment/Part Payment’ under the available options.

  3. Enter Prepayment Details

    Enter the amount you wish to prepay. Ensure it adheres to the minimum prepayment criteria set by HDFC.

    Review the revised EMI or loan tenure based on the prepayment.

  4. Confirm & Pay

    Choose your payment method (net banking, UPI, debit card, etc.).

    Confirm the details and complete the transaction.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. Always consult with a qualified financial advisor before making investment decisions.


How to Pay HDFC Home Loan Prepayment Online via the HDFC Mobile App

You can also prepay your loan using the HDFC mobile app:

  1. Open the HDFC App: Log in to your account.

  2. Navigate to the ‘Loan Section’ and tap on ‘Make a Prepayment.’
  3. Enter the prepayment amount and select your payment method.
  4. Confirm the payment and save the receipt for future use.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. Always consult with a qualified financial advisor before making investment decisions.


Charges for HDFC Home Loan Prepayment

It’s crucial to be aware of potential HDFC prepayment charges to avoid surprises. Here are the standard charges:

Loan TypeTime PeriodPrepayment Charges
Adjustable Rate Loans (ARHL)
Combination Rate Home Loan (CRHL) (Variable Rate Period)
First 6 months2% (plus applicable taxes) on the prepaid amount.
6 to 36 monthsUp to 25% of opening principal per financial year: No charges.

Beyond 25%: 2% on excess amount.
After 36 monthsOwn sources: No charges. Refinanced funds: 2%.
Fixed Rate Loans (FRHL)
Combination Rate Home Loan (CRHL) (Fixed Rate Period)
First 6 months2% (plus applicable taxes) on the prepaid amount.
6 to 36 monthsUp to 25% of opening principal per financial year: No charges. Beyond 25%: 2% on excess amount.
After 36 monthsOwn sources: No charges.

Refinanced funds: 2%.

Refer to the HDFC Prepayment Policy for the most accurate and up-to-date information on charges.


Why Prepay Your HDFC Home Loan?

Benefits of Prepayment

Prepaying your home loan can significantly reduce your interest burden and shorten the loan tenure. It offers the following advantages.

BenefitDescription
Interest SavingsReduce the total interest payable over the loan term.
Shortened Loan TenurePay off your loan faster.
Improved CreditBoost your credit score with timely prepayments or early closures.

How to Use HDFC Home Loan Prepayment Calculator?

Step-by-Step Process

The HDFC home loan prepayment calculator is a useful tool to estimate the benefits of prepaying your loan.

Here’s how to use it:

  1. Access the Calculator: Visit HDFC’s official website and navigate to the home loan prepayment calculator.
  2. Input Loan Details: Enter your loan amount, interest rate, remaining tenure, and prepayment amount.
  3. Calculate: Click on the ‘Calculate’ button to see how your prepayment will affect your EMI and loan tenure.
  4. Analyze Results: Review the impact on your loan, including the new EMI amount and reduced tenure.

Maximizing the Benefits of HDFC Home Loan Prepayment

Tips for Effective Prepayment

TipDescription
Use Bonuses and WindfallsUtilize extra income like bonuses or windfalls for prepayment.
Regular PrepaymentsMake regular prepayments, even small amounts, to gradually reduce your loan burden.
Use the Prepayment CalculatorRegularly use the HDFC home loan prepayment calculator to plan your finances and prepayments.

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Conclusion

Prepaying your HDFC home loan online is a smart financial move that can save you money and reduce your loan tenure.

By using the HDFC home loan prepayment calculator, you can plan your prepayments effectively and make informed decisions. Follow the steps outlined in this guide to manage your home loan efficiently and maximize your financial benefits.


Frequently Asked Questions

Can HDFC home loan prepayment be done online?

Yes, HDFC home loan prepayment can be done online through HDFC’s NetBanking portal or mobile app, making it convenient and quick.

Can I repay an HDFC home loan online without going to the bank?

 Yes, you can repay your HDFC home loan online without visiting the bank by using HDFC’s online services such as NetBanking or the mobile app.

Does HDFC have prepayment charges?

HDFC does not charge for prepayment of floating rate home loans. However, there may be charges for prepayment of fixed-rate home loans.

Can loan prepayment be done online?

 Yes, loan prepayment can be done online through HDFC’s NetBanking and mobile app, offering a hassle-free process to manage your loan repayments.

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