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SCHEDULE OF CHARGES AND FEES

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Particulars Charges
Processing Fee/ Charges Up to 3% of the loan amount
Application Fees
For Loan amount less than or equal to INR 1 Mio INR 2500
For Loan amount > INR 1 Mio and <=2.5 Mio INR 3500
For Loan amount > INR 2.5 Mio and <=5 Mio INR 4500
For Loan amount > 5 Mio INR 6000
Documentation Fees (Only for disbursed cases)
Loan Amount <= INR 2.5 Mio INR 1500
Loan Amount > INR 2.5 Mio INR 3000
Stamp Fees and Charges (if applicable) At applicable rate as per state laws. If stamping
done by FIHFC then additional 5% ( of stamping
amount) service fee will be levied
Rate of Interest Conversion Fee An amount not exceeding 0.5% of the outstanding principal amount
Cheque / ECS / DDM/NACH bounce charges INR 500
Swap charges for any modification to any repayment INR 600/- per swap instance
CERSAI Charges (Non Refundable)
For Loans up to INR 5 Lakhs (for an original filing and for modification) 110
For Loans above INR 5 Lakhs (for anoriginal filing and for modification) 210
Prepayment Charges (in part or full) 0-12 MOB : 7% of the prepaid loan amount >12 MOB : 5% of the prepaid loan amount
Individual Borrowers (Primary and coborrowers) under Floating rate of Interest No prepayment charges shall be payable for partial/full prepayment `
Non individual borrowers (Primary and /or co-borrower) 210
Semi Fixed rate of interest loan For individual borrowers (Primary and coborrowers):
7% of the prepaid loan amount till the fixed rate tenor and no prepayment charges thereafter
For Non-Individual borrowers (Primary and/or coborrower) : 7% of the prepaid loan amount would
be applicable for the fixed rate tenor of the loan
and 5% of the prepaid loan amount thereafter
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 prepaid loan amount
> 60 MOB : 5% of the prepaid loan amount
Prepayment Charges (in part or full) 0-12 MOB : 7% of the prepaid loan amount >12 MOB : 5% of the prepaid loan amount
Part disbursal/ per tranche fee INR 600
Duplicate Statement of Account/Loan Agreement/NOC INR 300
Charges for photocopy of original title deeds of Property INR 1000
Collection of Cheque/Cash (per collection) INR 500
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 service tax and cesses thereon.

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