If you’ve applied for an HDFC home loan, one of the most important next steps is to track your HDFC home loan application status. Knowing the status of your home loan can help you plan your finances and avoid delays in the home buying process.
This guide will walk you through how to check your HDFC home loan status using multiple methods, including the online portal, mobile app, and offline methods.
How To Check Your HDFC Home Loan Application Status Online?
If you’re wondering how to check your HDFC home loan application status online, the process is simple and fast.
Here’s how you can do it step-by-step.
- Visit the Official HDFC Website
Go to the official HDFC Bank website and log in with your credentials.
- Click on the ‘Products’ Tab
On the homepage, click the ‘Products’ tab in the navigation bar.
- Select ‘Loans’ and Then ‘Home Loans’
Under the drop-down menu, click on ‘Loans’ and select ‘Home Loans’.
- Click on ‘Track Your Application’
On the new page, look for a sliding widget on the right-hand side. Click on ‘Track Your Application’ to track HDFC home loan application.
- Enter Your User ID and Password
You will be asked to enter your User ID and password. If you have forgotten your User ID, you can recover it using the “Forgot User ID” option.
- Check Your Status
Once you submit your credentials, you’ll be able to see your HDFC home loan status. The status will be displayed as Approved, Pending, Rejected, or In Progress.
Check Out: HDFC Home Loan EMI Calculator
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How to Check HDFC Home Loan Application Status Via Mobile Application
If you prefer to check your application status on the go, you can use the HDFC Loan Assist app. Here’s how to track your HDFC home loan status through the app.
Step 1: Download the Loan Assist App
Download the HDFC Loan Assist App from the Google Play Store or the Apple App Store.
Step 2: Register and Login
- Use your registered mobile number to create an account.
- Verify your number using an OTP (One-Time Password).
- Set up a 6-digit app password for future logins.
Step 3: Click on ‘Track Your Loan’
Once you’re logged in, click on ‘Track Your Loan’ from the main menu.
Step 4: View Your HDFC Loan Application Status
Your loan status will be displayed on the screen. It will show whether the application is in progress, pending, approved, or rejected.
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.
Also Read: HDFC Home Loan Statement Download
How to Check HDFC Home Loan Status Offline
If you prefer not to use online methods, you can check the status offline.
Option 1: Visit Your Nearest HDFC Branch
- Visit the nearest HDFC Bank Branch.
- Carry your application reference number or registered mobile number.
- Request an update from the customer service executive.
Option 2: Call the HDFC Customer Care
- Call HDFC Bank Customer Service at 1800 2600.
- Provide your application reference number.
- Request an update on the application status.
Suggested Read: HDFC Home Loan Eligibility Criteria
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How Long Does it Take to Process a Home Loan Application?
| Stage | Key Activities | Estimated Time | Factors Affecting Time |
|---|---|---|---|
| 1. Application Submission | Submit application (online/offline) with documents. | Online: Instant Offline: 1–2 days | Document completeness, submission mode (online vs. offline). |
| 2. Eligibility Check | Credit score assessment, income verification, debt analysis. | 3–5 business days | Credit profile, income stability, existing debts. |
| 3. Property Valuation | Third-party valuation of property’s market value. | 3–7 days | Property type (under-construction/ready), legal clarity. |
| 4. Loan Sanction | Approval of loan amount, interest rate, and terms. | 2–3 days post-valuation | Compliance with LTV ratio, valuation report. |
| 5. Legal & Technical Check | Verify property title, ownership, structural safety, and regulatory approvals. | 5–10 days | Property disputes, regulatory compliance, builder delays. |
| 6. Documentation | Loan agreement signing, mortgage registration, EMI setup. | 1–3 days | Applicant responsiveness, document accuracy. |
| 7. Disbursement | Funds transferred to seller/builder. | 1–3 days (ready property) | Builder coordination, escrow formalities. |
Total Processing Time
- Best Case : 2–3 weeks (ready property, no delays).
- Typical Case : 4–6 weeks (standard processing).
- Under-Construction : 6–8 weeks (phased disbursement).
Check Out: HDFC Home Loan Interest Rates 2025
Why is My Home Loan Application Taking Longer than the Estimated Timeline?
- Incomplete Documents: Missing or unclear papers trigger back‑and‑forth.
- Valuation Delays: Surveyor scheduling or site‑visit issues.
- Title & Legal Checks: Deep dive into property history.
- Credit & KYC Verification: Third‑party backlogs slow responses.
- High Workload: Peak season or end‑of‑FY surges.
- Compliance Reviews: Extra RBI or internal policy scrutiny.
- System/Integration Glitches: Portal or credit‑bureau hiccups.
- Non‑Working Days: Weekends and regional holidays.
Also Read: HDFC Home Loan Insurance
Is There a Way to Expedite My Home Loan Application?
- Submit Complete Documents: Double‑check and upload all KYC, income, and property papers in one go.
- Opt for e‑Sign & e‑KYC: Use digital signatures and Aadhaar‑based verification to avoid physical delays.
- Pre‑Pay Valuation Fees: Clear any fees upfront so the surveyor can schedule the site visit sooner.
- Stay Responsive: Answer bank queries (calls/emails) immediately to prevent hold‑ups.
- Use a Relationship Manager: Lean on your RM for priority escalation within the credit team.
- Choose Digital Channels: Track status via the app and net‑banking to catch outstanding requirements fast.
- Request a Fast‑Track Review: Politely ask the branch or credit desk if you qualify for any priority processing.
Check Out: HDFC Home Loan Prepayment Calculator
After Approval, How Long Does it Take to Disburse Home Loan Funds?
- Ready/Resale Properties: Funds hit your account within 3–5 working days after you sign the sanction letter and submit all documents.
- Under‑Construction Properties: Each tranche is released in 3–5 working days following technical and legal clearance for that stage.
- Complex Cases: If extra verifications are needed, disbursal can extend to 10–15 working days.
Can a Co-Applicant Check Tata Capital Home Loan Status Independently?
Yes, in most cases, a co-applicant can check the loan status independently, but it depends on the policies of the lender and the level of access granted to the co-applicant. Typically, both the primary applicant and the co-applicant are equally responsible for the loan, so they often have the same rights to inquire about the loan status.
What Happens if a Co-Applicant Wants to Withdraw from the Home Loan Application?
- Novation Request: Submit a formal request to Tata Capital to remove the co‑applicant.
- NOC from Co‑Applicant: Get a signed no‑objection certificate from the co‑applicant.
- Eligibility Check: Primary applicant must demonstrate income and credit capacity solo.
- Re‑Underwriting: Lender re‑evaluates your profile and, if approved, issues a fresh loan agreement.
- Timeline: Typically takes 2–4 weeks, depending on document completeness and internal approvals.
- Alternate Option: If novation isn’t possible, consider refinancing under your name alone.
How Does a Co-Applicant’s Credit Score Affect the Home Loan Application Status?
- Combined Assessment: Tata Capital evaluates both applicants’ credit histories; a low co‑applicant score can drag down your overall eligibility.
- Interest Rate Impact: A weaker co‑applicant score may lead to a higher interest rate or tougher pricing.
- Sanction Amount: Poor credit on the co‑applicant side can reduce the maximum loan amount approved.
- Approval Probability: Very low scores for either applicant increase the risk of outright rejection.
- Credit Mix & History: Negative marks (late payments, defaults) on the co‑applicant record count equally in the underwriting decision.
- Mitigation: You can request removal of a high‑risk co‑applicant or add a higher‑scoring co‑borrower to improve your profile.
Why was My Home Loan Rejected?
Applying for a home loan can feel like navigating a maze—and getting a rejection notice at the end only adds to the frustration. You’ve gathered your documents, crunched the numbers, and imagined your dream home, so seeing “declined” can really sting.
Let’s break down the most common reasons lenders say no, so you can pinpoint the hiccup, fix it, and get back on track toward approval.
- Low credit score or adverse credit history
- Incomplete, inconsistent or missing documents
- Insufficient income or too high existing EMIs (debt‑to‑income ratio)
- Applicant (or co‑applicant) outside acceptable age limits
- Unstable job profile or frequent employment changes
- Property issues (unapproved builder/project or low valuation)
- Missing NOCs for previously closed loans
- Multiple recent loan applications triggering credit alerts
If Rejected, How Soon Can I Reapply for a Home Loan?
- No Mandatory Cooling‑Off: You can reapply as soon as you’ve fixed the reason for rejection.
- Credit‑Score Issues: Allow 1–3 months after clearing dues or disputing errors for your bureau to update.
- High EMI Load: Once you’ve paid down outstanding loans or reduced your DTI ratio, you can reapply immediately.
- Documentation Gaps: After you secure missing papers (NOCs, title deeds), submit a fresh application without delay.
- Property Concerns: As soon as builder approvals or valuations are rectified, you’re free to reapply.
- Smart Timing: Space repeat applications at least 4–6 weeks apart to avoid multiple hard pulls on your credit report.
How Can I Improve my Application if it was Previously Rejected?
- Identify the Cause: Request feedback on why you were declined and target that issue first.
- Boost Your Credit Score: Clear outstanding dues, settle any defaults, and correct errors on your credit report.
- Lower Your Debt‑to‑Income Ratio: Pay down existing EMIs or reduce your monthly obligations before reapplying.
- Strengthen Income Documentation: Provide up‑to‑date salary slips, bank statements, Form 16, or professional income proofs.
- Perfect Your Paperwork: Ensure title deeds, builder approvals, NOCs, and all KYC documents are complete and consistent.
- Add a Strong Co‑Applicant: Include a family member or spouse with a solid credit history and stable income.
- Improve Property Credentials: Get a fresh valuation, builder’s completion certificate, and clear any legal or municipal issues.
- Get Pre‑Sanctioned: Seek a conditional approval to understand your eligibility and fix gaps ahead of full application.
- Space Out Applications: Wait 4–6 weeks before reapplying to avoid multiple hard enquiries on your credit file.
Will a Home Loan Rejection Affect my Credit Score?
A home‑loan rejection itself doesn’t ding your credit score—the real impact comes from the “hard” inquiry your lender made when you applied, which may shave off a few points temporarily. The rejection note shows on your report but carries no extra penalty beyond that inquiry. Most scoring models bundle multiple enquiries for the same loan within a short window into one, so avoid repeated applications.
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Conclusion
Tracking your HDFC home loan application status is now simpler than ever. Whether you prefer to check it online, via the Loan Assist app, or offline, you have multiple options.
By following the steps in this guide, you can stay on top of your loan status and avoid unnecessary delays. If you experience issues, use the troubleshooting section or reach out to HDFC customer support.
Bookmark this guide and check back anytime you need help tracking your home loan status. To know further, feel free to contact Credit Dharma.
Frequently Asked Questions
HDFC typically takes about 7 to 10 working days to process a home loan application after all required documents are submitted. This period includes the time taken for the loan approval, legal and technical verification, and the final sanctioning of the loan.
To pay HDFC housing loan EMI online, log in to your HDFC NetBanking account, navigate to the ‘Loans’ section, select your loan account, and make the payment by following the prompts. You can also set up an auto-debit instruction for automatic EMI deductions from your HDFC savings account.
HDFC typically disburses the loan within 7 to 10 working days after the completion of the technical appraisal, legal documentation, and full payment of the borrower’s own contribution.
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