| 1 |
Login Fee (Non refundable) |
Rs.7 Lakhs and below = Rs.1600/- (Inclusive of applicable taxes)
Above Rs. 7.01 lakhs to 20 Lacs = Rs. 2500/- (Inclusive of applicable taxes)
Above 20 Lacs: Rs. 5500/- (Inclusive of applicable taxes) |
| 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.15 Lakhs and Below= Rs. 2500/- + Applicable taxes ; In Maharashtra = Rs. 4000/-+ Applicable Taxes
Above Rs.15 Lakhs= Rs. 3500/- + Applicable taxes ; In Maharashtra = Rs. 4000/-+ Applicable Taxes
|
| 5 |
Technical Fee /Valuation Fees (per Property)* |
Rs.15 Lakhs and Below= Rs. 2500/- + Applicable taxes ; In Maharashtra = Rs. 4000/-+ Applicable Taxes
Above Rs.15 Lakhs= Rs. 3500/- + Applicable taxes ; In Maharashtra = Rs. 4000/-+ Applicable Taxes |
| 6 |
CERSAI: At the time of Disbursement : Creation of Charge (per property) |
Upto Rs. 100/-+ applicable taxes |
| 7 |
Credit Report Charges |
Rs.500/-+ applicable taxes |
| 8 |
Property Inspection charges |
Rs.500/-+ applicable taxes |
| 9 |
Part Payment Visit Charges *
In case of construction loans (Per Visit)* |
Rs.1000/-+ applicable taxes |
|
CUSTOMER SERVICE CHARGES
|
| 10 |
CERSAI: At the time of Modification of Charge (per property) |
As per the charges levied by CERSAI+ applicable taxes |
| 11 |
Prepayment Charges |
A) Part- Prepayment/ Foreclosure of Loan on Fixed Rate of Interest:
Ø No Prepayment Charges, If The Housing 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)
|
| 12 |
Cheque/ECS Bounce Charges/ Late payment charges (Per Instrument/Transaction)
|
INR 500/- + applicable taxes per instrument is payable in case of a dishonoured cheque or ECS.
|
| 13 |
Late Payment Interest/ Penal Interest *
|
Interest and/ or Principal instalment /and Charges Debited/ due are defaulted / delayed ,Penal interest @3% p.m., (36% p.a.) for defaulted/delayed period on the interest/instalments/Charges due/ Debited (calculated from due date till date of payment on monthly rest) |
| 14 |
LOD (List of document) charges |
Rs.550/- + applicable taxes |
| 15 |
Duplicate No Dues Certificate |
Rs.500/- + applicable taxes |
| 16 |
Copy of Property Papers |
Rs.550/- + applicable taxes |
| 17 |
Duplicate Annual Account Statement, Provisional Certificate |
Rs.500/- + applicable taxes |
| 18 |
Loan prepayment/closure (fully)statement |
Rs.500/- + applicable taxes |
| 19 |
File Cancellation Charges |
Minimum Rs. 5500/- + Actual Expenses incurred+applicable taxes |
| 20 |
Each Personal Visit to customer’s place for collection of dues |
Rs.500/- per visit plus applicable taxes |
| 21 |
SARFAESI 13(2) |
5000 + applicable taxes |
| 22 |
SARFAESI 13(4) |
5500 + applicable taxes |
| 23 |
DM Notice |
15000 + applicable taxes |
| 24 |
138 NOTICE |
1100 + applicable taxes |
| 25 |
BORROWER NORMAL NOTICE |
500 + applicable taxes |
| 26 |
BORROWER WARNING NOTICE |
1000 + applicable taxes |
| 27 |
CO-BORROWER NORMAL NOTICE |
500 + applicable taxes |
| 28 |
CO-BORROWER WARNING NOTICE |
1000 + applicable taxes |
| 29 |
GUARNTOR NORMAL NOTICE |
500 + applicable taxes |
| 30 |
GUARNTOR WARNING NOTICE
|
1000+ applicable taxes |
| 31 |
LOK ADALAT |
Actual Fees |
| 32 |
INTIMATION NOTICE BEFORE TAKING ACTUAL POSSESSION |
3500 + applicable taxes |
| 33 |
REPLY NOTICE (LEGAL) |
2500 + applicable taxes |
| 34 |
Other Legal Charges |
as per Actual + applicable taxes |
| 35 |
Recovery Charges |
As actual+ applicable taxes |
| 36 |
Custodial fee for Keeping property document in closed account |
Rs. 500 per month (post 60 days from loan closure date) + applicable taxes |
| 37 |
Insurance of Property & Borrower |
Arranged by borrower at his own cost/Deducted from disbursed amount on actual basis |
| *Last Updated on 01st May, 2023
|
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