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HDFC home loan in Gandhinagar.
Where HDFC fits, where it does not, and what the file actually looks like from this side of the desk.
Starting from
7.75%*
as on 2 Sept 2026
Starting rate
7.75%*
as on 2 Sept 2026
Benchmark
Repo + 2.50%
RBI repo 5.25%
Processing fee
—
ask us
*Starting rates as on 2 Sept 2026, as published by each lender. Rates may change and are subject to the lender’s approval.
Go to HDFC when
your builder's project is already on their approved list, or you need a decision quickly. Their processing is among the fastest on the panel and their project coverage in the Kudasan–Sargasan belt is wide.
Look elsewhere when
your credit score is in the 600s, or you are optimising purely on rate and can afford to wait for a public sector bank.
Asked often.
What is the HDFC home loan interest rate in Gandhinagar?
HDFC Bank publishes a starting home loan rate of 7.75% per annum, as on 2 Sept 2026. That is a floor, not a quote — the rate you are actually offered depends on your credit score, income and the property, and is decided by HDFC, not by us.
Can LoanPark help me apply to HDFC?
Yes. We prepare and submit the file, chase the sanction, and assist you through the whole process afterwards — documents, mortgage and registration included. We charge you nothing for it — our commission comes from the lender. If your file would fare better at a different lender on our panel, we will tell you that instead.
Should your file go to HDFC, or somewhere else?
Two lines from you and we will tell you plainly — including when the answer is another lender.
Our lenders
*Starting rates as on 2 Sept 2026, as published by each lender. Rates may change and are subject to the lender’s approval.