Instant Home Loan Fees & Charges

Following are all the fees and charges applicable while availing the loan

Charges and Fees

Loan type Instant Home Loan
Loan Processing Charges / Renewal Charges 0.25 % + AT*
CIBIL Report Charges Rs. 50 + AT*
Administrative Charges Rs. 5000 + AT* or 0.25% + AT (whichever is lower)

AT* - Applicable taxes


Pre-Payment Charges

Types of Pre-Payment Charges Charges
Floating Rate of Interest NIL


  • Pre-payment charges mentioned above are applicable on full repayment of loan
  • Applicable only for Non-Individual borrowers(Private Ltd , Public Ltd ,Partnership Firms , Proprietorship firms , HUF)
  • Nil charges on part pre-payment of the loan
  • Charges will be calculated on the principal outstanding on the loan closure date
  • If the borrower/s makes full prepayment within one year of part prepayment , the full prepayment fees shall be applicable on amount prepaid to foreclose the loan and on all amounts tendered by the Borrower/s towards prepayment of the facility during the last one year from the date of final prepayment


Conversion Charges

Floating to Floating Dual Fixed Rate to Floating Floating to Dual Fixed Rate Lifetime Fixed to Floating
0.5 % of the Outstanding + applicable taxes 0.5 % of the outstanding + applicable taxes 0.5 % of the outstanding + applicable taxes 1.75 % of the outstanding + applicable taxes


Other Charges

Repayment Mode Swap Charges Rs. 500
Documents Retrieval Charges Rs. 500
Cheque / AD / ECS / Bounce Charges Rs. 500
Duplicate No Objection Certificate / No Due Certificate Rs. 100
Revalidation of No Objection Certificate Rs. 100
Late payment chargers - Home Loan 2 % Per Month


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