Good News for borrowers. HDFC Bank has sharply cut down its base rate by 55 basis points from 8.10 percent to 7.55 percent ahead of festival season. The new rates are effective from September 11.
The last rate cut was made on May 22. Base rate is the minimum rate at which the bank lends to its customers.
Thus, the rate of interest for Personal Loans, Home Loans, Car Loans & all other lending products will stand to fall for eligible customers.
As for Home Loans, Adjustable Interest Rates are as follows:
Loan Slab
Category
Home Loan Interest Rates (% p.a.)
Up to 30 lakhs
For Women
6.95 to 7.45
For Others
7.00 to 7.50
30.01 Lakhs to 75 Lakhs
For Women
7.20 to 7.70
For Others
7.25 to 7.75
75.01 Lakhs & Above
For Women
7.30 to 7.80
For Others
7.35 to 7.85
Retail Prime Lending Rate is 16.20% p.a.
Updated On Jul 22, 2026
Written By
Written By Reshma RawatAssistant Content ManagerCredit Cards, Credit Score, Personal Loan, Home Loan, etc.
Reshma Rawat is a passionate writer with a decade of experience in writing for a variety of domains (finance, technology, lifestyle, e-commerce, real estate, etc.). Currently, she is working as Assistant Manager - Content @MyMoneyMantra and writes blogs & webpages on financial products (loans, credit cards, insurance, government financial policies, mutual funds, etc.).
