Financing Infrastructure Beyond Housing
Last date for application for Lateral and Induction posts at HUDCO has been extended to 27th Oct'25.

Retail Housing Loan

HUDCO Niwas borrowers Quarter Apr'25 to Jun'25
Interest Rate Range of Contracted Loan for different category of advances granted to individual borrowers 9.20% to 9.70%
Mean Interest Rate 9.45%
Annual Percentage Rate – In addition to interest rate, HUDCO charges administrative fees @ 0.10% which is amortized over a period of loan. Thus, for 10 year loan period, if RoI is 9.45%, the effective rate would be 9.46%, considering administrative fee.


HUDCO Niwas borrowers Quarter Jan'25 to Mar'25
Interest Rate Range of Contracted Loan for different category of advances granted to individual borrowers 9.45% to 9.55%
Mean Interest Rate 9.50%
Annual Percentage Rate – In addition to interest rate, HUDCO charges administrative fees @ 0.10% which is amortized over a period of loan. Thus, for 10 year loan period, if RoI is 9.45%, the effective rate would be 9.46%, considering administrative fee.


HUDCO Niwas borrowers Quarter Oct'24 to Dec'24
Interest Rate Range of Contracted Loan for different category of advances granted to individual borrowers 9.45% to 9.55%
Mean Interest Rate 9.50%
Annual Percentage Rate – In addition to interest rate, HUDCO charges administrative fees @ 0.10% which is amortized over a period of loan. Thus, for 10 year loan period, if RoI is 9.45%, the effective rate would be 9.46%, considering administrative fee.


HUDCO Niwas borrowers Quarter July'24 to Sep'24
Interest Rate Range of Contracted Loan for different category of advances granted to individual borrowers 9.45% to 9.55%
Mean Interest Rate 9.50%
Annual Percentage Rate – In addition to interest rate, HUDCO charges administrative fees @ 0.10% which is amortized over a period of loan. Thus, for 10 year loan period, if RoI is 9.45%, the effective rate would be 9.46%, considering administrative fee.


HUDCO Niwas borrowers Quarter Oct’23 to Dec’23
Interest Rate Range of Contracted Loan for different category of advances granted to individual borrowers 9.05% to 9.05%
Mean Interest Rate 9.05%
Annual Percentage Rate – In addition to interest rate, HUDCO charges administrative fees @ 0.10% which is amortized over a period of loan. Thus, for 10 year loan period, if RoI is 8.45%, the effective rate would be 8.46%, considering administrative fee.


HUDCO Niwas borrowers Quarter July’23 to September’23
Interest Rate Range of Contracted Loan for different category of advances granted to individual borrowers 8.45% to 9.45%
Mean Interest Rate 9.21%
Annual Percentage Rate – In addition to interest rate, HUDCO charges administrative fees @ 0.10% which is amortized over a period of loan. Thus, for 10 year loan period, if RoI is 8.45%, the effective rate would be 8.46%, considering administrative fee.


HUDCO Niwas borrowers Quarter April’23 to June’23
Interest Rate Range of Contracted Loan for different category of advances granted to individual borrowers 8.40% to 9.05%
Mean Interest Rate 8.51%
Annual Percentage Rate – In addition to interest rate, HUDCO charges administrative fee @ 0.10% which is amortized over a period of loan. Thus, for 10 year loan period, if RoI is 8.45%, the effective rate would be 8.46%, considering administrative fee.