I thought SBI and other PSU bank interest rates are the lowest because they have very excruciating documentation requirements and it’s difficult to be 100% complaint. Private sector banks sometimes are lenient and services will be good but rates are higher. Here you are getting best of both worlds so HDFC seems to be the better option.
On your main question, I think stamp duty and registration is missing. Also, loan processing fees could be one more. However, all charges need to be in writing somewhere or the other in the loan agreement or somewhere else. Ask them to send an email from their official bank email ID with all possible charges right now before you take the loan, and reply to that email that you will not be paying a single rupee more than whatever is mentioned in the email.