E.Praveen Kumar, M.Rajeshwar Reddy, R.Gowthami 02 06 The home loan sector plays a vital role in promoting housing development and financial inclusion in India HDFC Bank as one of the leading financial institutions offers a variety of home loan schemes tailored to meet the needs of different customer segments This study investigates the performance and effectiveness of HDFC Banks home loan services by integrating advanced Artificial Intelligence AI Machine Learning ML and Deep Learning DL approaches to better understand consumer behavior loan approval trends risk prediction and customer satisfaction By leveraging realworld datasuch as loan applications credit scores income levels and repayment historythis research applies machine learning algorithms like decision trees logistic regression and random forests to identify the most influential factors affecting home loan approvals Deep learning models particularly neural networks are also implemented to handle more complex relationships and predict defaults with higher accuracy Sentiment analysis using Natural Language Processing NLP is applied to customer reviews and feedback helping to understand public perception of HDFCs home loan servicesThe findings aim to assist HDFC Bank in optimizing its loan processing workflows improving customer targeting and enhancing risk management through automation and datadriven insights The study demonstrates how AI ML and DL can bring precision speed and intelligence to the home loan segment ensuring better service delivery and customer satisfaction Copyright (c) Journal of Science Engineering Technology and Management Science. All rights reserved 2026