DHFL Home Loan Transfer | Interest Rates | charges | Information

DHFL Home Loan Balance Transfer: Get Information on Documents, Eligibility, Repayment, Tenure, Eligibility of Dewan Housing Finance Ltd Balance transfer schemes 2014. Balance Transfer of the existing Home loan from another lending institution.

Are You Eligible for DHFL Home loan Transfer Scheme?

  1. For the salaried class, any Indian, of age 18 years* minimum and up to the maximum age of  retirement or 60 years, whichever is earlier
  2. For the self employed category, the maximum age is 65 years.

Home Loan applications received for rupees ₹ 419,027 crores till 27 January 2023

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Loan Amount

Annual Income


120,17,256 loan quotes taken till now.
Home loan Interest rates starts from 6.90% for women, 6.95% for Others.

Interest Rate on Home Loan Transfer:

DHFL offers one of most competitive rates in the market. As per the guidelines set by NHB (a subsidiary of RBI) the Interest rate applicable is based on the Retail Prime Lending Rate (RPLR) which varies from time to time. DHFL offers interest rates at discounted rate on the RPLR. Depending on the loan amount, the interest rate varies.

Maximum Tenure of Loan:

DHFL understands the value of your hard earned money. With a tenure upto 20 years, you can reduce the EMI amount, so that your outgoings every month do not come in the way of your lifestyle and living standards.

The tenure of your Home Construct loan ranges from 1 to 20 years maximum. The term however does not extend beyond the retirement age or 60 years whichever is earlier (65 years for self employed individuals).

Amount of Loan:

  1. 100% of Principal outstanding and other charges based on the loan SOA/Foreclosure statement or 80% of Market Value whichever is lower
  2.  The actual loan amount is determined taking into various account factors such as:
  3. Repayment capacity
  4. Age
  5. Educational qualifications
  6. Stability and continuity of income
  7. Number of dependents
  8. Co-applicant’s income
  9. Assets
  10. Liabilities
  11. Saving habits, and more

Easy Repayments

To make repayments easier, we offer customers two simple  options of repayments.

You   have 2 options for repayment of the loan based on the EMIs payable:

a) Through ECS (Electronic Clearing Service) based on standing instructions to your bank

b) PDCs (Post Dated Cheques) drawn on your Savings/Salary account

Easy Documentation

As per government rules and regulations, we’re required to adhere to certain procedures on documentation. Therefore to enable us to speedily process your home loan application, we will require the following:

  1. KYC (Know Your Customer) documents
  2. Proof of Income documents and bank statements as per log-in checklist
  3. Property related documents as per log-in checklist.

Tax Benefits

As per IT Rules, the current applicable exemption u/s 24 is ` 1.5 lacs for the interest amount paid in a financial year and up to Rs.1 lac for the Principal amount repaid in the same year. Thus up to ` 2.5 lacs is tax exempt, helping you save up to ` 70,000 tax annually.

Don’t succumb to the high interest burden on your existing home loan. Fill in the Enquiry Form alongside. Our Representative will get in touch with you to help you through the entire loan process. Enjoy a better life with the money you save!

*conditions apply

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