Salary Guide · India 2026
HDFC Ltd (Housing Development Finance Corporation) is the Mumbai-headquartered financial services parent company and one of India's largest financial conglomerates, with subsidiaries spanning mortgage lending, insurance, asset management, and banking via HDFC Bank. Tech roles span digital mortgage platforms, wealth management systems, and enterprise data. Salary ranges below are sourced primarily from AmbitionBox, with Glassdoor as a secondary cross-check, and reflect total CTC (base + variable + equity) at the 25th–90th percentile of reported offers in India.
Software Engineer · Senior / 6–9 yrs
₹30L – ₹50Ltotal CTC
Salary bands for 4 roles at HDFC, from Software Engineer to Sales — see all below.
Working at HDFC
~80,000 employees across HDFC group entities. BSE/NSE listed. Combined group AUM and loan book over ₹20L crore.
What the interview actually tests
Interview focuses on Java, SQL, and banking domain knowledge. HDFC Ltd merged with HDFC Bank in 2023, so the parent entity is now part of HDFC Bank plc: check your offer letter carefully for which entity you are joining. Stable pay, strong brand, moderate growth: preferred by candidates who value security over ESOP upside.
Role
HDFC's pay bands for Software Engineers in India, fresher through senior.
| Experience Level | Total CTC (LPA) | Equity |
|---|---|---|
| Fresher / 0–2 yrs | ₹8L – ₹14L | RSU₹0.5L – ₹2L/yr |
| Mid-level / 3–5 yrs | ₹16L – ₹28L | RSU₹2L – ₹6L/yr |
| Senior / 6–9 yrs | ₹30L – ₹50L | RSU₹5L – ₹14L/yr |
Role
HDFC's pay bands for Business Analysts in India, fresher through senior.
| Experience Level | Total CTC (LPA) | Equity |
|---|---|---|
| Mid-level / 3–5 yrs | ₹8.1L – ₹9.2L | None |
| Senior / 6–9 yrs | ₹10.1L – ₹11.2L | None |
| Lead / 10–12 yrs | ₹11.4L – ₹12.8L | None |
AB yoe-bucket scrape: Business Analyst 1-3y (n=175); Business Analyst 3-6y (n=289); n=464
Role
Total CTC ranges for Product Managers at HDFC India, from fresher to senior level.
| Experience Level | Total CTC (LPA) | Equity |
|---|---|---|
| Mid-level / 3–5 yrs | ₹13.1L – ₹14.5L | None |
| Senior / 6–9 yrs | ₹14.5L – ₹16.9L | None |
| Lead / 10–12 yrs | ₹15.3L – ₹18.8L | None |
AB yoe-bucket scrape: Product Manager 1-3y (n=277); Product Manager 3-6y (n=289); n=566
Role
What Saless actually earn at HDFC in India, across every experience level.
| Experience Level | Total CTC (LPA) | Equity |
|---|---|---|
| Fresher / 0–2 yrs | ₹4L – ₹6.5L | None |
| Mid-level / 3–5 yrs | ₹7L – ₹14L | None |
| Senior / 6–9 yrs | ₹15L – ₹28L | None |
Indian Banking