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Finance services & charges
on Home loan

Home loan fees and charges Home loan fees and charges

Home Loan Fees and Charges

Indiabulls Home Loans (IBHL) offers competitive processing fees that is a one-time payment to avail your home loan. Only after the processing fees are paid you will be able to officially avail the home loan. In addition to this, IBHL also charges for transactional handling charges in balance transfer and/or resale home loans. Other fees and charges include Cheque / NACH dishonour charges, late payment charges, retrieval charges for copies of loan or property in IBHL custody, as well as charges for amortization schedule or statement of account. You are also charged for retrieving original property documents for a specific activity.



Processing fees Home loan 0.50% onwards
Technical /Valuation and Legal opinion charges, SRO search charges, ROC search charges, non-encumbrance certificate from SRO charges Rs 2,500
Transaction handling charges in balance transfer / resale home loans Rs 1,500
Cheque / NACH dishonour charges Rs 500 (home loans)
Nil on representation of ECS / PDC
Late payment charges 24% per annum of outstanding EMI
PDC/ECS swapping charges NIL
Retrieval charges for copies of loan /property document in IB custody Emailing of scanned copies: NIL
Physical copies with IB attestation: Rs 500
Charges for statement of account / amortization schedule Rs 200
Registration charges for borrowers’ ECS mandate (loan repayment) NIL
Income tax certificate in home loans NIL
Compliant handling charges NIL
Charges for certified true copies of title deeds from SRO, if applicable. As per actual
Stamping charges of loan agreement As per actual, subject to state laws-
to be borne by borrower
Stamping charges of other legal documents like indemnity bond, legal undertakings, legal affidavits, personal guarantee bond, power of attorney for NRI home loans etc. As per actual, subject to state laws - to be procured by borrower
Original property documents retrieval for specific activity like production at SRO or development authority (on borrower request) Rs 5,000
Database admin fee Rs 650 (inclusive of service tax)
ROI switch fee Home Loan 25% or onwards of the difference of the two coupon rates i.e. between the existing and revised rate

All applicable fees & charges are subject to levy of GST, which if payable, is to be paid in addition to the fees/charges.

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