Schedule of Charges
Sr. No. Charge Type Charge Description
1 Login Fee Rs.1000/- + applicable taxes
UPFRONT CHARGES (CHARGES BEFORE DISBURSEMENT)
2 Processing Charges 0%-2% + applicable taxes (on the sanctioned value) to be collected before disbursement or deducted from first disbursement.
3 Non Postal Stamp / Stamp Duty As per applicable law of the state
4 Non-encumbrance Certificate / Search Report (per property) Rs.2000/- + applicable taxes
5 Technical Fee (per property) Rs.2000/- + applicable taxes
6 CERSAI: At the time of Disbursement : Creation of Charge 100/- + applicable taxes
7 CIBIL 100/-+ applicable taxes
8 Property Inspection charges Rs.500/-+ applicable taxes
CUSTOMER SERVICE CHARGES
9 CERSAI: At the time of Modification of Charge ( in case of Top Up) as per the charges levied by CERSAI+ applicable taxes
10 Prepayment Charges Part– Prepayment/ Fore Closure of Home Loan on Variable/ Floating Rate of Interest:
No Prepayment Charges, If The Loan Is Part Prepaid/Foreclosed Through Any Source.
Part- Prepayment/ Foreclosure of Home Loan on Fixed Rate of Interest:
No Prepayment Charges, If The Loan Is Foreclosed Through Own Source.

However if the payment is made by borrowing from a Bank/ HFC/ NBFC and/ or a Financial Institution:

5% + Applicable taxes as Pre-Closure Charges would be levied on principle o/s & all part prepayments done in case loan is closed within 12 months of the first disbursement.

3% + Applicable taxes as pre-closure charges would be levied on principle o/s & all part prepayments done in last 12 months in case loan is closed after 12 months of the first disbursement

11 Cheque/ECS Bounce Charges (Per Instrument/Transaction) Cheque return charge of INR 500/- + applicable taxes per instrument is payable in case of a dishonored cheque or ECS.
12 Late Payment Interest 3% per month compound for no. of days delayed in PEMI / EMI payment.
13 Duplicate No Dues Certificate Rs.500/- + applicable taxes
14 Copy of Property Papers Rs.500/- + applicable taxes
15 Duplicate Annual Account Statement, Provisional Certificate Rs.500/- + applicable taxes
16 Loan prepayment/closure (fully)statement / SOA / Repayment Schedule charges Rs.500/- + applicable taxes
17 Each Personal Visit to customer’s place for collection of dues Rs.500/- per visit plus applicable taxes
18 Legal Charges Legal charges as applicable on case to case basis
19 Recovery Charges At actual+applicable taxes
20 Custodial fee for Keeping property document in closed account 500 per month (post 60 days from loan closure date) + applicable Taxes
21 Duplicate Certificate Charges Rs.500/- + applicable taxes
22 Contract Amendment Charges Rs.500/- + applicable taxes
23 Cheque/ECS Swapping Charges (per set):
PDC to PDC Rs. 1000/- (Inclusive of applicable taxes)
PDC to ECS NIL
ECS to ECS Rs. 1000/- (Inclusive of applicable taxes)
ECS to PDC Rs. 1000/- (Inclusive of applicable taxes)
CHARGES AT THE TIME OF FORECLOSURE
24 CERSAI: At the time of Loan Closure: – Satisfaction of Charge (removal of lien) NIL
25 Documents Retrieval and Handling Charges Rs 500/- (GST if applicable) (Courier Handling Charges)
(Chargeable at the time of handing over security documents on closure of loan)