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Finance services & charges
on Home loan


Loan Against Property Fees and Charges
Description |
Charges |
Processing fees | 1.00% 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. 750/- 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 directly |
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 LAP | 50% 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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