FIRST Millennia
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FIRST Select
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Items Charges Remarks
Processing Fees Up to 3.5% of the 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 & booking charges

For cancellation after disbursal

• Before cheque encashment – Rs 10000

• Post cheque encashment/RTGS cases – Rs 10000 + Interest from the date of disbursement

Phsyical repayment schedule ₹500  
Physical statement of loan  ₹500  
Cheque swap charges  ₹500  

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 ₹350  
EMI bounce charges ₹400 For each presentation dishonoured

Foreclosure charges

5% of principal outstanding

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