Create Your Own Space In a place of your choice

Rural Housing Loans

Nothing beats the joy of having your own home, which is why we help you find the perfect one. If you are an agriculturist looking for a dream home in the rural or in urban areas, we make it easy to fulfill your dream. Based on the agricultural land you own and the crops you cultivate, HDFC Bank's Rural Housing Finance provides you with the Home Loan perfectly suited to fit your needs. We also offer Home Loans to salaried and self-employed individuals wishing for a space of their own in their home town or village.

Key Features

Specially designed loans to Agriculturists, Planters, Horticulturists, Dairy Farmers for purchasing an under construction / new / existing residential property in the rural and urban areas
No hidden charges
Construct your home on a freehold / lease hold residential plot in the rural and urban areas
Loans also available for the Salaried / Self-Employed for purchasing a under construction / new / existing residential property in your village
Construct your home on a freehold / lease hold residential plot in the rural and urban areas
No mandatory requirement of Income Tax Returns from Agriculturists applying for the Home Loan
Enhance your home in many ways such as tiling and flooring, internal and external plaster and painting etc
Attractive interest rates
Extend / add space to your home such as additional rooms etc
Customised repayment options to suit your needs
For Agriculturists, no mortgage of agricultural land is required to avail the Home Loan
Longer tenure of 20 years for Agriculturists

Rural Housing Loan Benefits

Customised Repayment Options

Tailor-made home 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.

Rural Housing Loan Eligibility Details

Primary Applicant

  • Age

    18-70 years

  • Profession

    Salaried / Self Employed / Agriculturists

  • Nationality

    Resident Indian

  • Tenure

    Up to 30 years

Co Applicants

  • Higher loan eligibility with an earning co-applicant.

Rural Housing 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.

HDFC Bank Rural Housing Loans Terms & Conditions


Security of the loan would generally be security interest on the property being financed and / or any other collateral / interim security as may be required by HDFC Bank.

Other Conditions

All the information contained herein above is for awareness and customer convenience and is intended to only act as an indicative guide about HDFC Bank's products and services. For detailed information about HDFC Bank's products and services kindly visit the nearest HDFC Bank branch.

Click here for the Most Important Terms and Conditions pertaining to your loan.