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Are you interested in purchasing a plot of land to construct your dream home? This loan product is tailored to fit your requirement-HDFC Plot Loan. With attractive rates, time duration, and minimal paperwork, this loan enables you to buy residential plots in approved locations.
Instant eligibility check in 60 seconds
Your information is confidential and used only to contact you about this loan.
Last Updated: Oct 14, 2026
Education — BTech (IIT Guwahati), IIM Bangalore
With 7 years of hands-on experience structuring home loans across both public and private lending institutions, Suraj Mudaliar brings sharp, practical expertise to every borrower's journey. He specializes in loan eligibility assessment, balance transfers, and EMI optimization — helping customers not just get a loan, but get the right loan for their financial situation.
Investing in a residential plot is the first major milestone toward building your dream home. Plots can be bought for building houses from scratch. Sure, it is easier to buy a ready-made house, but creativity, personalization and long-term value is more when one owns a piece of land and designs his own house. To make this dream possible and affordable to the people, HDFC offers Plot Loans designed for clients who want to purchase a piece of land and build a residential property on that.
NoBroker acts as a complete trusted aggregator between the real person and top lenders such as HDFC, hassle-free and transparent loan process without brokerage; without compromise.
| Rate of Interest | Max funding | ||
| Credit Score | ROI | Loan Amount | Funding % |
| >=800 | 7.60% |
<=30 Lakh
|
90%
|
| 780 – 799 | 7.65% | ||
| 750 – 779 | 7.75% |
30<75 Lakh
|
88%
|
| – | – | ||
| – | – |
75 Lakh>
|
88%
|
| – | – | ||
| Apply Now | |||
HDFC Plot Loan is a type of housing loan purchased by a customer to acquire a residential plot. This is usually to encourage someone who intends to build their home immediately or later on to own a legally approved piece of land in their preferred locality.
Both salaried & self-employed individuals can avail of the facility for plots falling under approved municipal limits, plots developed by government/private developers, or sanctioned housing layouts.
It is similarity construction loans, but these types of loans do not insist that the buyer must immediately begin construction on the land. The loan allows for adequate time to plan, design, and finally, build the house on one’s terms.
NoBroker simplifies the traditional loan application process. When you apply for an HDFC Plot Loan through NoBroker, you enjoy:
HDFC has a floating interest rate that is indexed to the Policy Repo Rate, currently at 5.50%.
HDFC has a floating interest rate that is indexed to the Policy Repo Rate, currently at 5.50%. The final interest rate depends on the applicant’s profile (salaried or self-employed) and the loan scheme.
Applicable for both salaried and self-employed (professional or non-professional) borrowers.
Applicable for all categories if not eligible for special rates.
Note: These are floating rates and may change over time based on the RBI’s monetary policy. All loans are at the sole discretion of HDFC.
Your eligibility depends on various financial and personal factors. Here’s what HDFC generally considers:
| Criteria | Details |
| Age | 18 to 70 years at loan maturity |
| Employment | Salaried or Self-Employed |
| Nationality | Resident Indian |
| Loan Tenure | Up to 15 years |
| Co-applicant | Optional, but can increase eligibility |
| Credit Score | A higher score improves approval chances |
Profession Categories:
Tip: Adding an earning co-applicant increases your loan eligibility and can help you secure a higher amount.
The amount you can borrow depends on the value of the plot you want to purchase:
| Loan Amount Slab | Maximum Funding |
| Up to ₹30 lakhs | Up to 80% of property cost |
| ₹30.01 lakhs to ₹75 lakhs | Up to 80% of property cost |
| Above ₹75 lakhs | Up to 75% of property cost |
The remaining amount will need to be paid as a down payment from your funds.
HDFC has a simple documentation process. You will need to submit identity, income, and property documents along with the loan application form.
If your name has changed due to marriage, you can support it with a marriage certificate or a gazette notification.
HDFC charges nominal fees to process your plot loan application, depending on your employment status.
| Loan Category | Processing Fee |
| Salaried / Self-Employed (Professional) | Up to 0.50% or ₹3,300 (minimum), + taxes |
| Self-Employed (Non-Professional) | Up to 1.50% or ₹5,000 (minimum), + taxes |
| NRI Applicants | Up to 1.50% or ₹3,300 (minimum), + taxes |
| HDFC Reach & Value Plus Schemes | Up to 2.00% of the loan amount, + taxes |
Minimum Retention Charges:
| Service | Fees/Details |
| Late EMI Payment | Up to 18% p.a. on overdue amounts |
| Stamp Duty & Registration | As per state-specific laws |
| Loan Re-Appraisal | ₹3,300 to ₹5,000 based on profile |
| CERSAI / Govt. Charges | As per actuals |
| Third-Party Service Fees | Applicable if using mortgage guarantee companies |
| Loan Foreclosure (floating rate) | No charges for individual borrowers |
NoBroker’s role goes beyond property listings as we are always there to help you out in financing your long-desired plot. Here is how we assist you:
Estimate your monthly EMI, total interest and repayment.
Real home loan journeys from NoBroker customers across India.
