DHFL Home Loan Interest Rate
DHFL, now operating under Piramal Capital and Housing Finance Limited, continues to offer attractive home loan interest rates starting from 10.50% per annum in 2025. Known for catering to semi-urban and rural borrowers, DHFL provides various housing loan options such as new home loans, construction loans, balance transfers, and NRI loans all with flexible repayment tenures of up to 25 years.
DHFL Home Loan Interest Rate
Dewan Housing Finance Corporation Ltd. (DHFL) (now known as Piramal Capital and Housing Finance Limited) is a leading housing finance company with its headquarters in Mumbai, Maharashtra. DHFL was established by Rajesh Kumar Wadhawan in 1984, and currently, the company stands among the top 50 financial companies of India. DHFL home loans are among the best in the country, and the organisation offers attractive interest rates to applicants from the semi-urban and rural parts of the country. If you are looking for a home loan with convenient payback options, you should consider the DHFL home loan interest rate for 2025. Here is a detailed overview of all the DHFL home loan schemes available with DHFL, including DHFL home loan login, DHFL home loan interest rate, eligibility criteria, documents required, DHFL loan statement, and all other charges involved. (From application to the repayment of the home loan)
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DHFL Home Loan Details – Quick Info in 2025
DHFL has always been a significant company in India’s financial ecosystem since its inception. Now, the firm is acquired by Piramal Housing and Finance Capital Limited in a deal worth crores, and existing customers and clients will be handled through the PHFCL home loan divisions.
| Interest Rate) | 10.50% |
| Retail Prime Lending Rate (RPLR) | 19.42% |
| Loan Amount | Determined by the annual income and the repayment capacity of the applicant |
| Processing Fees | Salaried/Self-employed professionals: 0.5% + GSTSelf-employed non-professionals: 0.5% + GST (Net PAT)/1.5% + GST (others) |
| Penal Interest Rate | 18% p.a. on the outstanding amount |
| DHFL Home Loan Foreclosure Charges | 2% to 3% + GST |
| Max Tenure | 25 Years |
| Rate Packages | Floating |
Types of Housing Loan Schemes available with DHFL
DHFL offers different schemes based on the repayment ability of the applicant. Here is a complete overview of DHFL home loan interest rates across the different schemes offered:
| DHLF Housing Loan Schemes | Interest Rate |
| DHLF New Home Loan | 10.50% p.a. |
| DHFL Home Extension Loans | 10.50% p.a. |
| DHFL Home Loans Balance Transfer | 10.50% p.a. |
| DHFL Home Construction Loan | 10.50% p.a. |
| DHFL Home Renovation Loans | 10.50% p.a. |
Let’s take a look at the DHFL.
1. DHFL New Home Loan
- Applicants can apply for a loan of up to 90% of the value of the house.
- Both Indian residents and Non-resident Indians can benefit.
- No prepayment charges.
- Interest rates applicable for salaried/ Self-employed/ Residents of India/ Non-Resident Indians applicants.
| DHFL Interest Rate | DHFL Minimum processing fees |
| 10.50% p.a. onwards | 3% of the home loan amount plus taxes |
2. DHFL Home Construction Loans
- 100% of % estimated value of the house can be availed of as a home loan
- The scheme is available for both Indian Residents and Non-Resident Indians
- Only applicable to applicants between 21 to 65 years of age.
| DHFL Interest Rate | DHFL Minimum processing fees |
| 10.50% p.a. onwards | 3% of the home loan amount plus taxes |
3. DHFL Home Extension Loans
- Get Home Loans at Interest Rate: 10.50% p.a. onwards
- Tenure is up to 30 years.
- For self-employed professionals and businessmen, and salaried applicants.
- No prepayment charges for individual borrowers after 6 months of the tenure
- Processing Fees: Rs 2,500 (excluding document charges and taxes)
| DHFL Interest Rate | DHFL Minimum processing fees |
| 10.50% p.a. onwards | Rs. 2500 plus taxes |
4. Piramal Home Loan Interest Rate 2025: 10.50% p.a. Onwards
- Repayment tenure of up to 10 years is available.
- Nil prepayment charges after 6 months for individual borrowers
- Rs 2,500 (excluding document charges and taxes)
| DHFL Interest Rate | DHFL Minimum processing fees |
| 10.50% p.a. onwards | Rs. 2500 plus taxes |
5. DHFL NRI Home Loan
You might choose a DHFL NRI Home Loan if you are an NRI who lives abroad but wants to acquire a home in India without any financial restrictions. NRI Home Loans are offered by DHFL at a competitive interest rate, along with a host of additional advantages to meet your financial needs. NRIs from many nations, including the UAE, the UK, and the USA, are eligible for house loans. The housing loan can be used for a variety of purposes, including the purchase of a home, renovations or additions to an existing home, or the purchase of a building lot.
The relevant DHFL NRI house loan interest rate, loan term, and loan amount vary from case to case and rely on a number of variables, including the applicant’s ability to repay the loan and the value of the property.
6. DHFL Home Loan for Pradhan Mantri Awas Yojana
The Pradhan Mantri Awas Yojana was launched in India in 2015. Making housing accessible for the inhabitants of the country’s Economically Weaker Section, Low-Income Groups, and Middle-Income Groups was one of the scheme’s key goals.
To those who qualify, all authorised banks and financial institutions offer house loans under this programme. As part of the PMAY programme, DHFL provides housing plans. Applicants who qualify will receive a credit-linked interest subsidy under PMAY, which lowers their interest rate. Depending on the recipient’s income, the interest subsidy might range from 3% to 6.50%. The Economically Weaker Section, Low Income Group, Middle-Income Group I, or Middle-Income Group II will all apply to the recipients of this programme.
Advantages of the PMAY Program
– Economically Weaker Section:
- The maximum annual income for applicants is Rs. 3 lakhs.
- 6.50% interest rate reduction maximum
- The highest loan amount for which the subsidy is available is Rs. 6 lakhs.
- The maximum amount of the subsidy is Rs. 2.67 lakh.
– For those in the Lower Income Group:
- Benefits under this category are available to qualified candidates with an annual income of between Rs. 3 lakh and Rs. 6 lakh.
- You can get an interest subsidy of up to 4%.
- The largest debt that can be subsidised is Rs. 6 lakhs.
- The maximum amount of the subsidy is Rs. 2.67 lakh.
– For MIG-I recipients:
- Beneficiaries of MIG-I may apply for benefits if their yearly income is between Rs. 6 lakh and Rs. 12lakhh
- You can get an interest subsidy of up to 3%.
- The maximum loan amount that can be given a subsidy is Rs. 9 lakhs.
- The most that can be awarded in subsidies is Rs. 2.30 lakh.
– For MIG-II recipients:
- Candidates with annual incomes between Rs. 12 lakh and Rs. 18 lakh are eligible.
- A 3% interest subsidy is available.
- A maximum of Rs. 12 lakhs would be taken into consideration for a subsidy.
- The total subsidy cannot be more than Rs. 2.30 lakh.
Let’s take a look at the eligibility criteria for these different schemes and how you can avail of these home loan offers from DHFL.
DHFL Home Loan Eligibility Criteria across Different Schemes
| DHFL Eligibility Criteria | quirements |
| Minimum age for applying | 21 years |
| Maximum age for applying | 65 years |
| Type of Resident | Residents of India/Non-Resident Indians |
| Employment status and type: | Salaried/Self-employed businessmen or professionals |
DHFL Home Loan Documents Required
| Identity Proof (Anyone) | Proof of residence (Anyone) | Property documents |
| Aadhaar Card, Driving License, Copy of valid Passport, Election Card/Voter ID, PAN Card | Ration Card, Employer’s letter, utility bill, Sale deed, Copy of bank statements/passbook,ook Rent agreement | Allotment le, Sale agreement, Registration document, Stamp duty receipt, NOCSale deed, Partnership ddeed Title search report |
Income documents for salaried and non-salaried applicants
| Salaried applicants | Self-employed non-professionals | Self-employed professionals |
| Income details on the letterhead of the company ffor thecash salary, last 2 months’ salary slips/ Salary certificate recent 3 months’ bank statements | 2 years IT return, Computation of income, profit and loss statement, or balance sheet for the last 2 yearss TDS certificate, and te Last 6 months bank statement | Qualification certificates, years IT returns, Computation of income,e profit and loss statement, or balance sheet for the last 2 yearss TDS certificate, and te Last 6 months bank statement |
DHFL operates through the Piramal Housing and Finance Capital Limited. The DHFL home loan interest rate today is 10.5% p.a.a, and applicants can get a rough idea about the total amount to be paid using the DHFL home loan EMI calculator. DHFL home loan interest rate for existing customers is also given some concessions and benefits under the new home loan offers of PHFCL.
How to Contact DHFL Home Loan Customer Care?
Your questions about DHFL home loans can be answered by:
- Toll-free Number for Customer Service for DHFL Home Loan:
- 1800 22 3435 (For New Customers) (For New Customers)
- 1800 3000 1919 (For Existing Customers) (For Existing Customers)
- Email Address for DHFL Home Loan Customer Care: response@dhfl.com
- SMS Service for DHFL Home Loan Customer Care: Text “DHFL” to 56677.
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