| Charges |
Mortgages Loans |
| Loan Processing Charges / Renewal Charges (Non Refundable) |
0.50% - 1.00% of the loan amount or Rs. 1500/- (Rs. 2000/- for Mumbai, Delhi & Bangalore), whichever is higher + applicable Service Tax & Surcharge |
| Prepayment Charges |
No prepayment charge on floating rate home loan irrespective of the source of fund
2% of the outstanding loan amount plus applicable service tax and surcharge on fixed rate home loan and Home plus loan
4% of the outstanding loan amount plus applicable service tax and surcharge on Loan against property, Lease rental discounting and Non residential premises
For one year, two year and three year fixed rate loan the prepayment charge is 2% of the outstanding loan amount plus applicable service tax and surcharge till the time loan is under fixed rate. Once loan moves into floating rate there would be no prepayment charge irrespective of the source of fund |
| Charges for late payment |
Home Loans : 2% per month
Home OD : 1.5% of the outstanding amount subject to minimum of Rs. 500/- & Maximum of Rs.5000/- |
| Conversion charges for home loan |
Floating to Floating
0.5% of the principal outstanding plus
applicable taxes
Dual fixed rate to Floating
0.5% of the principal outstanding plus
applicable taxes
Floating to Dual fixed rate
0.5% of the principal outstanding plus
applicable taxes
Life time fixed to floating
1.75% of the principal outstanding plus
applicable taxes |
| Cheque Swap Charges |
Rs. 500/- |
| Document Retrieval Charges |
Rs. 500/- |
| Cheque bounce charges |
Rs. 200/- |
| Amortisation Schedule |
Rs.100 per schedule (Inclusive of S.T.)* |
| Statement of Account |
Rs.100 per statement (Inclusive of S.T.)* |
| Final prepayment statement |
Rs.100 per statement (Inclusive of S.T.)* |
| Duplicate No Objection Certificate / No Due Certificate |
Rs.100 (Inclusive of S.T.) |
| Revalidation of No Objection Certificate |
Rs.100 per NOC (Inclusive of S.T.)* |
| Provisional Income Tax Certificate |
Nil |
| Final Income Tax Certficate |
Nil |
| Interest Certificate |
NA |
| Change of Address |
Nil |
| Agreement Copy |
Nil |
| No Objection Certificate / No Due Certificate |
Nil |
Note : Service Tax and other taxes, levies, etc. applicable as per prevailing rate will be charged over and above these charges
Home Loans 
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