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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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