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Important Notice

With effect from May 1, 2021, the following charges shall be applicable for the services mentioned below:

Description of ChargesAmount*
Charges for List of Documents Rs 250
Charges for Disbursement Cheque Re-issuance Rs 250
Charges for Disbursement Cheque Re-validation Rs 250

Click here to refer the RBI Circular.

*Goods & Services Tax and other Govt. taxes, levies, etc. applicable as per the prevailing rate will be charged over and above the amount specified here.

  • With effect from May 01, 2020, the turnaround time for a list of documents issuance for Mortgage Loan has been revised from the existing 7 working days to 15 working days.
  • With effect from December 1, 2019, the Mortgage Loan prepayment statement issuance TAT has been revised from the existing 7 days to 15 days
  • RBI through its guideline dated August 2, 2019, has clarified that banks shall not charge foreclosure charges/pre-payment penalties on any floating rate term loan sanctioned for purposes other than business, to individual borrowers with or without co-obligants.

Hence foreclosure charges/pre-payment penalties will be applicable on the floating rate term loan sanctioned for business purposes to individual borrowers.

Conversion options for the interest rate reduction

You can reduce the existing rate of interest of your Mortgage loan, by availing of our conversion option. By exercising this conversion option, you can either convert your existing margin to the applicable prevailing margin or you can switch from a floating rate to a fixed rate or vice versa.

You can take the benefit of the conversion facility, by paying a conversion fee of 0.5%*plus applicable goods and service tax on your outstanding loan amount if prepayment charges are applicable in the loan. If prepayment charges are not applicable in the loan then Rs 1,000 plus applicable goods and service tax will be applicable as the conversion fee. Under the conversion facility, you also have the option of either reducing your monthly installment (EMI)** and/or the loan tenure**.

To know more about the conversion facility and the applicable rate or scheme options, you can call our customer care.

You can also visit our loan servicing branch to avail the conversion facility with the following documents:

  • Conversion Request Letter, click here to download the document
  • Cheque/Cash for payment of conversion fees
  • Identity proof of applicant and co-applicant (if applicable)

Further, please note that the signatures of the applicant and co-applicant (wherever applicable) are required on all pages of the conversion document.

*In respect of under construction case, for the partially disbursed loan amount, the conversion fees shall be calculated on the outstanding loan amount (original loan amount less loan amount repaid)

**Terms & conditions apply

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