Schedule of Charges
Sr. No. Charge Type Charge Description
1 Login Fee Rs.1600/- (Inclusive of applicable taxes)
UPFRONT CHARGES (CHARGES BEFORE DISBURSEMENT)
2 Processing Charges Upto 3% + 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
Rs.4000/- + applicable taxes ( in Maharashtra State)
5 Technical Fee /Valuation Fees (per property) Rs.2000/- + applicable taxes
6 CERSAI: At the time of Disbursement : Creation of Charge (per property) Upto Rs. 100/-+ applicable taxes
7 Credit Report charges 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 A). Part- Prepayment/ Foreclosure of Home Loan on Fixed Rate of Interest:
No Prepayment Charges, If The Loan Is Foreclosed Through Own Source.



B).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. (In case of Loan Closure /part payment)

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. (In case of Loan Closure /part payment)

11 Cheque/ECS/NACH Bounce Charges/ Late payment charges (Per Instrument/Transaction) INR 500/- + applicable taxes per instrument/per transaction.
12 Late Payment Interest/Addition Interest for Default 3% per month compound for no. of days delayed in PEMI / EMI payment.
13 LOD (List of document) charges Rs.1000/- + applicable taxes
14 Duplicate No Dues Certificate Rs.500/- + applicable taxes
15 Copy of Property Papers Rs.500/- + applicable taxes
16 Duplicate Annual Account Statement, Provisional Certificate Rs.500/- + applicable taxes
17 Loan prepayment/Foreclosure Statement Charges Rs.500/- + applicable taxes
18 Each Personal Visit to customer’s place for collection of dues Rs.500/- per visit plus applicable taxes
19 Legal Charges as per Actual + applicable taxes (if any)
20 Recovery Charges As Actual + applicable taxes (if any)
21 Custodial fee for Keeping property document of closed account Rs. 500/- per month (post 60 days from loan closure date) + applicable taxes
22 CERSAI: At the time of Loan Closure: – Satisfaction of Charge (removal of lien) NIL
23 Insurance of Property & Borrower Deducted from disbursed amount on Actual basis