Now create your own space with HDFC Bank Home Loans.


Plot Loans

When you own a plot of land, you can build a space that is uniquely yours. HDFC Bank's Plot Loans help you acquire the land for your home so that you can start turning your dream home into reality.

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Key Features

Loans for purchase of a plot through direct allotment
Attractive interest rates that make your Plot Loan affordable and easier on your pocket
Loans for purchase of a resale plot
Customised repayment options to suit your needs
Loans for transferring your outstanding loan availed from another Bank / Financial Institution
Expert legal and technical counselling
No Hidden Charges

Plot Loan Benefits

End to end digital process

Plot loan approval in 4 simple steps.

Customised Repayment Options

Tailor-made loans to suit your requirements.

Easy documentation

Apply with minimal documents, save time and effort.

24x7 assistancen

Connect with us on Chat, WhatsApp anytime, anywhere!

Online loan account

Login to your account to conveniently manage your loan.

Plot Loan Eligibility Details


Primary Applicant

  • Age

    18-70 years

  • Profession

    Salaried / Self Employed

  • Nationality

    Resident Indian

  • Tenure

    Up to 15 years

Co Applicants

  • Adding Co-Applicant helps in maximizing the loan amount.

  • Adding Women Co-Owner helps in getting better interest rate.

  • All co-applicants need not be co-owners. Generally co-applicants are close family members.

Plot Loan FAQs

HDFC Bank will determine your Home Loan Eligibility largely by your income and repayment capacity. Other important factors include your age, qualification, number of dependants, your spouse's income (if any), assets & liabilities, savings history and the stability & continuity of occupation.

EMI refers to the ‘Equated Monthly Installment’ which is the amount you will pay to us on a specific date each month till the loan is repaid in full. The EMI comprises of the principal and interest components which are structured in a way that in the initial years of your loan, the interest component is much larger than the principal component, while towards the latter half of the loan, the principal component is much larger.

You can apply for a Home Loan at any time once you have decided to purchase or construct a property, even if you have not selected the property or the construction has not commenced.

‘Own Contribution’ is the total cost of the property less HDFC Bank home loan.

For your convenience, HDFC Bank offers various modes for repayment of your house loan. You may issue standing instructions to your banker to pay the installments through ECS (Electronic Clearing System), opt for direct deduction of monthly installments by your employer or issue post-dated cheques from your salary account.


Key Features

Loans for purchase of a plot through direct allotment
Attractive interest rates that make your Plot Loan affordable and easier on your pocket
Loans for purchase of a resale plot
Customised repayment options to suit your needs
Loans for transferring your outstanding loan availed from another Bank / Financial Institution
Expert legal and technical counselling
No Hidden Charges
Zero prepayment charges

Plot Loan Eligibility Details


SELF EMPLOYED PROFESSIONAL (SEP)

  • Doctor
  • Lawyer
  • Chartered Accountant
  • Architect
  • Consultant
  • Engineer
  • Company Secretary, etc.

SELF EMPLOYED NON-PROFESSIONAL (SENP)

  • Trader
  • Commision Agent
  • Contractor etc.

Plot Loan FAQs

HDFC Bank will determine your Home Loan Eligibility largely by your income and repayment capacity. Other important factors include your age, qualification, number of dependants, your spouse's income (if any), assets & liabilities, savings history and the stability & continuity of occupation.

EMI refers to the ‘Equated Monthly Installment’ which is the amount you will pay to us on a specific date each month till the loan is repaid in full. The EMI comprises of the principal and interest components which are structured in a way that in the initial years of your loan, the interest component is much larger than the principal component, while towards the latter half of the loan, the principal component is much larger.

You can apply for a Home Loan at any time once you have decided to purchase or construct a property, even if you have not selected the property or the construction has not commenced.

‘Own Contribution’ is the total cost of the property less HDFC Bank home loan.

For your convenience, HDFC Bank offers various modes for repayment of your house loan. You may issue standing instructions to your banker to pay the installments through ECS (Electronic Clearing System), opt for direct deduction of monthly installments by your employer or issue post-dated cheques from your salary account.

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