DHFL Home Loan Interest Rates, Apply Online, Documents Required and Other Information

Updated: Aug 30,2019 17:01 IST

DHFL Home Loan is the top non-banking housing finances company in India and it can be availed at lowest interest rates and quick turnaround time. DHFL Home Loans can be availed for number of housing related finances under various categories. More details on DHFL Home Loan types, interest rates, other charged and all related information are given in the content below.

An Overview on DHFL Home Loan 

DHFL or Dewan Housing Finance Corporation Limited is a housing finance company headquartered in Mumbai. Apart from banking sectors, DHFL is the top financing company that provides home loan to lower and middle income groups in semi-urban and rural parts of India. DHFL Home Loans focus on providing affordable Housing Finance to fulfill the dream of millions to own a home. DHFL Home Loans provides hassle free processing and easy documentation. For more information on current interest rates and other highlighted information, check the below table.

Interest Rates

8.50% p.a

Processing Charges

Rs.5000 onwards + GST

Loan Tenure

30 years

Loan Amount

Upto 5 crores

Cheque Bounce Charges

Rs.500 +GST

Prepayment or Foreclosure Charges

  • 2% + GST if the interest rates are fixed.

  • Nil if the interest rates are floating

What is the Interest Rates of DHFL Home Loan? 

If you are in a plan of purchasing a new house with the help of home loans, one of the main parameter you have to check is the Interest rates on home loan. Interest rates for salaried and self employed people varies slightly. Interest rates varies according to various other influencing factors. It also depends on the home loan amount for how much it is applied for. We have given you the interest rates of DHFL Home Loan for your reference. 
>> Best Interest Rate Offered - Tenure-30 years - 8.35% p.a. Onwards <<

Interest Rate for Salaried

Loan Amount

Interest Rate

Up to Rs. 25 Lakh


Above Rs. 25 Lakh to Rs. 75 Lakh


Above Rs. 75 Lakh to Rs. 100 Lakh


Loans above Rs. 100 Lakh to Rs. 150 Lakh


Loans above Rs. 150 Lakh to Rs. 300 Lakh


Loans above Rs. 300 Lakh


Interest Rate for Self-Employed

Loan Amount

Interest Rate

Up to Rs. 25 Lakh


Above Rs. 25 Lakh to Rs. 75 Lakh


Above Rs. 75 Lakh to Rs. 100 Lakh


Loans above Rs. 100 Lakh to Rs. 150 Lakh


Loans above Rs. 150 Lakh to Rs. 300 Lakh


Loans above Rs. 300 Lakh


What are the Other Related Charges of DHFL Home Loan?

Once done with reviewing the interest rates, one should check on the other charges that is being applied. It is always better to have a clear picture of the total expenses before obtaining the home loan. Check the other related charges of DHFL Home Loans given in the table below.

Processing Fees - Salaried

  • Up to Rs. 30 Lakh : Rs. 5,000 + document charges + Applicable GST

  • Above Rs. 30 Lakh up to Rs. 75 Lakh: Rs. 10,000 + document charges + Applicable GST

  • Above Rs. 75 Lakh : Rs. 20,000 +document charges + Applicable GST

Processing Fees - Self-Employed

  • Net PAT: 0.5% + Applicable GST

  • Others : 1.5 % + Applicable GST

CERSAI Registry/Modification Charges

For loans upto Rs. 5 Lakh - Rs. 50 + Applicable GST

For loans above Rs. 5 Lakh - Rs. 100 + Applicable GST

Cheque/ECS bounce charges

Rs. 500 + Applicable GST

Overdue Charges on default installment (EMI/Pre-EMI)

Rs. 150 per Lakh or actual bank charges, whichever is higher + Applicable GST

Collection pickup charges

Rs. 250 per visit + Applicable GST

Conversion charges

For loan up to Rs. 75 Lakh - Rs. 2500 + Applicable GST

For loan above Rs. 75 Lakh - Rs. 5000 + Applicable GST

Document retrieval charges on closure of loan

For loans upto Rs. 10 Lakh - Rs. 1,000 + Applicable GST

For loans above Rs. 10 Lakh - Rs. 2,000 + Applicable GST

Foreclosure Statement

Rs. 500 + Applicable GST

What are the Prepayment and Foreclosure Charges of DHFL Home Loan?

DHFL home loans accompany with the prepayment or for-closure charges for upto 2% in case of fixed rates. If your home loan has the rates floating, then there is nil charges for prepayments. Prepayment charges for DHFL Home Loan are given below.

Rate of Interest -Type

Disbursement Stage

Charges Applicable


Within 6 months from 1st disbursement

No prepayment allowed

After 6 months

Borrower/co-borrower is Individual

No Charges

Borrower/co-borrower is other than Individual

2% + Applicable GST

Find below the foreclosure charges of DHFL Home Loan

Rate of Interest -Type

Disbursement Stage

Charges Applicable


Within 6 months from 1st disbursement

No foreclosure allowed

After 6 months


Own Source

No Charges

Borrower/co-borrower is individual


Balance Transfer


Borrower/co-borrower is other than individual

2% + Applicable GST

Balance Transfer

What are the Different Types of DHFL Home Loan?

There are different product of Home Loans offered by DHFL and one can choose the suitable Home Loan based on their specific needs. Different Interest Rates are applicable based on the type of loan choosed and also there will be difference in loan term and the loan amount sanctioned based on annual income and the repayment capacity. List of different types of DHFL Home Loans are given below.
  • New Home Loans
  • Plot Loans
  • Home Construction Loans
  • Home Extension Loans
  • Home Renovation Loans
  • Plot & Construction Loans
  • Home Loan Balance Transfer
  • NRI Home Loans

What are the  Documents Required to Obtain DHFL Home Loans?

To process any type of loan or home loan, there will always be a set of documents needed by the financing companies to check the details provided are genuine. Provide the details accurately to increase the chances of quick approval of home loans. DHFL Home Loans basically requires documents under three categories

1. KYC Documents

  • Aadhaar card
  • PAN card (Mandatory, if income is considered for loan eligibility calculation)
  • Valid Passport
  • Voter ID card
  • Driving license
  • Aadhar Card
  • Utility Bill: Electricity, Telephone, Postpaid mobile, water bill etc.
  • Ration card
  • Letter from employer
  • Bank statement /copy of Pass book reflecting address
  • Valid Rent Agreement
  • Sale Deed

2. Income Documents

Salaried Individuals

Self-Employed Professional

Self-Employed Non Professionals

Salary slips for the last 2 months or salary certificate*

Certificate of qualification for professionals : CA, Doctors or Architects

Copy of your last two years income tax returns, along with computation of income

Cash Salary – Income details on Company Letterhead (Salary upto Rs.30, 000 p.m.)

Copy of last two years’ income tax returns, along with computation of income

Copy of last two years P/L account with all schedules and audited balance sheet, wherever applicable

Copy of bank statements for the past 3 months (salary account)

Copy of last two years’ P/L account with all schedules and audited balance sheet, wherever applicable.

VAT or Service Tax returns or TDS Certificate


VAT or Service Tax returns or TDS Certificate

Bank statement for the last 6 months (Savings account, current account or an O/D account)


Bank statement for the last 6 months (Savings account, current account and O/D account)


3. Property Documents

  • Allotment letter from builder
  • Agreement of Sale
  • Registration and stamp duty receipt
  • Index- ii
  • NOC from builder
  • Own Contribution Receipt (OCR)
  • All builder linked documents (Applicable for cases which are not approved or previously not funded by DHFL)
  • Development Agreement
  • Tripartite Agreement
  • Partnership Deed
  • Sale Deed
  • Title Search Report
  • NA order

What are the Modes of Repayment of DHFL Home Loans? 

Repayment of Home loans must be done on time. This increases your creditworthiness. DHFL Home Loan have given its customers two modes of payment of loan amount. They are
  • Electronic Clearing Service (ECS) / National Automated Clearing House(NACH) - Based on standing instructions given to your bank
  • Post Dated Cheques (PDCs) - Drawn on your salary/savings account. (Only for locations where ECS/NACH facility is not available.)

What are the Features of DHFL Home Loan?

Easily obtain DHFL Home Loans by submitting proper documentation. DHFL Home Loans comes with added benefits and tries to satisfy the financial needs of the customers. The special features of DHFL Home Loan are listed below.
  • Higher Loan Term when compared to other banks
  • DHFL home loans are provided for upto 30 years of tenure.
  • Eligible for certain tax benefits - Tax benefits against your principal and interest amount repaid
  • Lower Processing Fees
  • Quick and Transparent Loan Processing
  • Loan sanctioned up to 90% of the property cost
  • Home loans for both individuals and corporate bodies
  • Hassle free processing

How to Track DHFL Home Loan Application?

Track the status of your DHFL Home Loan Application with just three information. Click the link DHFL Home Loan Application Tracker and follow the steps given below to know your loan application status.
  • Choose either Application Number or Lead ID
  • Enter the relevant Application Number or Lead ID
  • Then Enter Date of Birth
  • Click “Submit” to know your Application Status

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