HDFC Credila offers existing customers the option to reduce the applicable rate of interest (AIR) on the loan by reducing the existing negative / positive spread over HDFC Credila Benchmark Lending Rate (H-CBLR) through Spread Conversion Facility. You can take advantage of this facility by paying a fee and opting for either reducing your monthly instalment (MI) or loan tenure.

To avail this facility, we request you to send us an email on support@hdfccredila.com OR call / visit our branch.

*Terms and conditions apply. The spread conversion facility is at the sole discretion of HDFC Credila.