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 4th November, 2019

Particulars Charges
Processing Fee/ Charge Up to 3% of the loan amount
Application Fees
For Loan less than or equal to INR 10 Lakhs INR 2,500
For Loan amount > INR 10 Lakhs and <=25 Lakhs INR 3,500
For Loan amount > INR 25 lakhs and <= 50 Lakhs INR 4,500
For Loan amount > INR 50 Lakhs INR 6,000
Documentation Fees (Only for disbursed cases)
Loan Amount <= INR 25 lakhs  INR 1,500
Loan Amount > INR 25 Lakhs  INR 3,000
Stamp Fees and Charges (if applicable) Rates applicable according to state laws. In-house stamping service charges are 5% of stamp rate
Rate of Interest on Conversion Fee Upto or less than 0.5% of the outstanding principal amount
Cheque / ECS / DDM/NACH bounce charges INR 300
Delayed EMI Payment Interest ( per month of delay, every month) 2% of overdue EMI per month, calculated on a daily basis
Swap charges for any repayment modification INR 600/- per swap instance
CERSAI Charges (Non Refundable)
Loans upto INR 5 Lakhs (for original filing and modification) 110
Loans above INR 5 Lakhs (for original filing and 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 co-borrowers) under floating rate of Interest No prepayment charges for partial/full prepayment
Non individual borrowers (Primary and /or co-borrower) 210
Semi-Fixed interest rate on loan For individual borrowers (Primary and co-borrowers): 7% of the prepaid loan amount till the fixed rate tenure and no prepayment charges after. For Non-Individual borrowers (Primary and/or co-borrower) : 7% of the prepaid loan amount will be applicable for the fixed rate tenure and 5% of the prepaid loan amount thereafter.
Fixed Rate (Full tenure) (except for Individuals who make prepayments from their “own sources” i.e. without 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/td>
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 copy of original title deeds of Property INR 1000
Collection of Cheque/Cash (per collection) INR 500
Taxes & Levies All charges indicated above or elsewhere in the Loan Agreement is exclusive of taxes and statutory levies that are applicable from time to time, including service tax and cess thereon.

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