FIRST Millennia
FIRST Classic
FIRST Select
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Items Charges Remarks
Processing Fees Upto 3.5% of loan amount Taken at the time of loan agreement execution

Other Charges

Items Charges Remarks
Repayment instrument swap charges ₹500 Per repayment change request
Duplicate No Objection certificate / No Due Certificate ₹500 Request in addition to bank's issued letter
Other Statutory / Mortgage creation charges e.g. Stamp duty, MOD, MOE, etc. on actuals As applicable for each state for creation of mortgage
Cancellation and Rebooking Charges

For cancellation after disbursal

1) Before cheque encashment – ₹10000

2) Post cheque encashment/RTGS cases – ₹10000 + Interest from the date of disbursement

Physical Repayment Schedule
Physical Statement of Account
Cheque Swap Charges
Document retrieval charges (per retrieval)
Stamping Charges
As per actuals  
Part Payment charges
*Part Payment is not allowed  

Charges on account of delayed payments / defaults

Items Charges Remarks
Late Payment/Penal Charges/Default Interest/Overdue(Per Month)
2% of the unpaid EMI or ₹300 whichever is higher  
EMI Pickup/Collection Charges
EMI bounce charges ₹400 For each presentation dishonoured

Foreclosure charges

5% of principal outstanding

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