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ROI SWITCH POLICY

Home Loans :

Floating Rate Loans

The existing borrowers have an option to change the existing spread to the prevailing applicable spread. The fees payable shall be 25% or onwards of the difference of the two coupon rates i.e. between the existing and prevailing applicable spread , depending upon factors like profile, loan amount, property type and other risk parameters. The switch fee payable to avail the conversion shall be applicable on the principal outstanding and in case of a partly disbursed loan ,there will be no switch fee payable on the undisbursed loan amount out of the total contracted loan.

Borrowers have the option to reduce the EMI keeping the residual tenor unchanged or keep the EMI unchanged and thereby reducing the residual tenor. They can also opt for changing both the EMI and tenor within the band to suit their convenience. The reset of spread will be effective from the first day of the following calendar month from the date of switch. Taxes additional as applicable on the switch fee

The above fees/charges are subject to change without prior notice.

Non-Home Loans ( Loan Against Property/Home Equity/Commercial property Purchase) :

Floating Rate Loans

The Existing borrowers have an option to change the existing spread to the prevailing applicable spread. The fees payable shall be 50% or onwards of the difference of the two coupon rates i.e. between the existing and prevailing applicable spread, depending upon factors like profile, loan amount, property type and other risk parameters. The switch fee payable to avail the conversion shall be applicable on the principal outstanding and in case of a partly disbursed loan, there will be no switch fee payable on the undisbursed loan amount out of the total contracted loan.

Borrowers have the option to reduce the EMI keeping the residual tenor unchanged or keep the EMI unchanged and thereby reducing the residual tenor. They can also opt for changing both the EMI and tenor within the band to suit their convenience. The reset of spread will be effective from the first day of the following calendar month from the date of switch. Taxes additional as applicable on the switch fee.

The above fees/charges are subject to change without prior notice.