HDFC Bank of Sri Lanka · Housing Loan

HDFC Shrama Udana Loan

#16 of 19 · Lower than 11% of housing loans that publish a rate.

Interest rate p.a.: Up to 17%
Maximum amount: Ask bank
Maximum term: Ask bank

Rates and terms last verified 1 August 2025. Confirm the current terms with the bank.

Full details on HDFC Bank of Sri Lanka's website

Tell us what you need and we will check which banks and finance companies on our panel could take your application. We are not a bank and do not lend. Approval and final terms are decided by the bank or finance company.

About this housing loan

The Shrama Udana Loan is designed specifically for members of the Employer’s Provident Fund (EPF) seeking financial support for your housing needs. Shrama Udana enables you to achieve your housing goals and enhance your living conditions.

Features

If you are currently employed and contributing to EPF you can borrow up to 75% of your EPF balance
If you are not currently contributing to EPF, you can borrow up to 50% of your EPF balance
The monthly installment can be up to 60% of the salary for eligible borrowers.
For other individuals, the loan installment will be subject to the evaluation of disposable income

Who can apply

Only members of the Employees Provident Fund are eligible.

Interest rate p.a.

Up to 17%

Check My Eligibility

HDFC Shrama Udana Loan: common questions

What is the interest rate on the HDFC Shrama Udana Loan?

HDFC Bank lists Up to 17% per annum for the HDFC Shrama Udana Loan. That is a ceiling; the rate you are offered depends on your profile. Lower than 11% of housing loans that publish a rate.

Who is eligible for the HDFC Shrama Udana Loan?

Only members of the Employees Provident Fund are eligible. Members who are presently contributing and also those who are not contributing to the fund can apply

What documents do I need?

Contact Bank.

How do I apply for the HDFC Shrama Udana Loan?

Use the button on this page to send one application through AnyBanQ, or contact HDFC Bank directly. AnyBanQ is not a bank or lender; approval and final terms are decided by HDFC Bank.

About the HDFC Shrama Udana Loan

The HDFC Shrama Udana Loan is a housing loan from HDFC Bank in Sri Lanka. Its listed rate is Up to 17.00%. The features, eligibility and documents above come from the bank's published terms; confirm them with HDFC Bank before you apply, as rates and conditions change.

For a housing loan, compare the interest rate and how long any fixed period lasts, the share of the property's value the bank will lend, the longest repayment term, valuation and legal fees, and whether the loan can be used to buy, build or renovate.

See every housing loans from HDFC Bank or compare housing loans from every bank.