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Home Loan Fees and Charges

Home Loan Fees and Charges

The fees and charges for a home loan are comprises of many aspects. For the breakdown of the total fees and charges, please refer to the composite table below:
Description Charges
Processing Fees

Loan Amount

Processing Fees

Upto Rs 30 lacs

Upto Rs 10,000

Rs 30.01 lacs to Rs 300 lacs

Upto 0.50%

Over Rs 300 lacs

0.50% to 1.00%

Legal Opinion Charges, SRO Search Charges, ROC Search Charges , Non-Encumbrance Certificate from SRO charges NIL, included in the Processing fee
Transaction Handling charges in Balance Transfer / Resale Home Loans Rs. 2500/-
Technical Valuation charges NIL, included in the Processing fee
PDC / ECS 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 Scan 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-where fixed charges irrespective ofloan amount: provided by IB-where ad-valorem charges as a function of loan amount: to be procured by borrower directly.
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. 5000/-
Database Admin Fee Rs 650/- (inclusive of service tax)

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


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