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Home Loans, now at 6.90% p.a.
Unlimited benefits with a start-to-finish digital process with IDFC First Bank Home Loans
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Charges
| MBL CHARGES | CHARGE AMOUNT |
| EMI Bounce charges per presentation | 400 (Exclusive of GST) |
| Late payment/Penal charges / default interest (per month) | 2% per month (Exclusive of GST) of the unpaid EMI or ₹300 (Exclusive of GST) whichever is higher |
| Cheque/ Instrument Swap charges (per swap) | 500 (Exclusive of GST) |
| Cancellation & Rebooking charges | 10000 within 30 days of disbursement or 1st EMI presentation whichever is earlier, Post 30 days or 1st EMI presentation request for cancellation will be treated as foreclosure |
| Processing fees | Up to 3.5% of the total amount (Exclusive of GST) |
| Foreclosure / Prepayment charges | 5% of Principal outstanding Exclusive of GST |
| Part Payment charges | Part Payment is not allowed |
| Loan re scheduling charges (per re scheduling) | 300 Exclusive of Taxes |
| Duplicate No Objection Certificate Issuance Charges | 500 Exclusive of GST |
| Repayment Schedule | 500 Exclusive of GST |
| Statement of Account | 500 Exclusive of GST |
| Document retrieval charges (per retrieval) | 500 Exclusive of GST |
| Stamping Charges | As per actuals |
| EMI Pick up/ Collection Charges | 350 Exclusive of GST |
| Initial Money Deposit charges | 5500 Exclusive of GST |
| Loan protect Insurance | As applicable |
| Personal Accident Insurance | As applicable |
| Merchant Cover | As applicable |
| Property Insurance | As applicable |
| Facilitation Fee | As applicable |
| EBC Annual Fee (if availed) | 500 Exclusive of GST |