10.15% is HDFCs rate for loans < 30 lacs for new customers presently so it seems to be fine. What i dont understand is that if its floating rate then why did you have to pay that extra 0.5% to bring down the rate? as per my current understading this should have been done by the bank without charges. maybe I am missing something important here! to be precise, its 10.15% for <30 lacs and 10.4% for >30 lacs. This figure of 10.2 doesn't seem to be exact!