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Schedule of Fees and ChargesMaximum Benefit at Minimum cost

Schedule of Fees and Charges

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The below charges will be applicable with effect from September 01,2022

S.No Particulars Charges
I Processing Fee / Charges Up to 3% of the loan amount
II Application Fees/IMD Fees Up to INR 10000/-
III Documentation Fees (Only for disbursed cases) Up to INR 5000/-
IV Stamp Fees and Charges at applicable rate as per state laws. If stamping done by FIHFC then additional 5% (of stamping amount) service fee will be levied
V Rate of Interest Conversion Fee An amount not exceeding 1.00% of the outstanding principal amount
VI Cheque / ECS / NACH bounce charges INR 500/- per instance
VII Swap charges for any modification to any repayment INR 600/- per swap instance
VIII CERSAI Charges
For Loans up to INR 5 Lakhs (for an original filing and for modification) INR 110/-
For Loans above INR 5 Lakhs (for an original filing and for modification) INR 210/-
IX Prepayment Charges (in part or full) 
Note: No foreclosure charges/ pre-payment penalties will be applicable on any floating rate term loan sanctioned for purposes other than business to individual borrowers, with or without co-obligant(s)
IX-A Prepayment Charges (in part or full)  – For  Non-Home Loan  - Loan Against Property (LAP) , Commercial Purchase of Property  (CPOP) etc.
Purpose of Loan Type of Interest Rate  
Business Individual Borrowers (Primary and co-borrowers) and Floating rate of Interest 5% of the amount prepaid
Non Business Individual Borrowers (with or without non-individual co-borrower) and Floating rate of Interest No prepayment charges shall be payable for partial/ full prepayment
Any MSME/Sole Proprietorship Firms/Non-Individuals and Floating rate of Interest 0-12 MOB : 7% of the amount prepaid
>12 MOB : 5% of the amount prepaid
Any Fixed Rate (Full tenor) (except for Individuals making pre-payment out of their “own sources” i.e. not from borrowing from any Bank/ Housing Finance Company/ Non-Banking Finance Company/ any Financial Institutions/ any other sources) 0-60 MOB : 7% of the amount prepaid
>60 MOB : 5% of the amount prepaid
IX-B Prepayment Charges (in part or full) For Home Loan/ Self Construction of home / Plot + Construction of home  /Extension, Improvement or Renovation of Home
Individual Borrowers (Primary and co-borrowers) and Floating rate of Interest - with or without non-individual co- borrower - (Home should be on Individual name and end use should be for buying home, self-construction of home, Plot+ construction of home, Extension, Improvement or renovation of Home ). No prepayment charges shall be payable for partial/ full prepayment
Non individual borrowers and Floating rate of Interest (Home should be on Non -Individual name) 0-12 MOB : 7% of the amount prepaid
>12  MOB : 5% of the amount prepaid
Fixed Rate (Full tenor) (except for individuals making pre-payment out of their "own sources" i.e. not from borrowing from any Bank/ Housing Finance Company/ Non-Banking Finance Company/ any Financial Institutions/ any other sources) 0-60 MOB : 7% of the amount prepaid
> 60 MOB : 5% of the amount prepaid
X Additional Interest
(applicable for payment defaults)
24 % per annum of overdue EMI calculated on day to day basis, payable from the relevant due date until the date of actual payment / rectification of default.
XI Part disbursal/ per tranche fee INR 600/- per tranche
XII Duplicate Statement of Account / Loan Agreement/NOC/No due certificate/, RPS, Interest certificate etc. INR 500/-
XIII Charges for photocopy of original title deeds of Property INR 1000/-
XIV Collection of Cheque / Cash (per collection) INR 500/-
XV Taxes & Levies All the charges indicated above or elsewhere in the Loan Agreement shall be exclusive of all taxes and statutory levies as may be applicable from time to time on same including without limitation to goods and services tax.

All the above charges are non – refundable

Fullerton India Home Finance Company Ltd
CIN number: U65922TN2010PLC076972
IRDAI COR No: CA0492

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