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  • As per amendment in the Income Tax Rules, PAN or Aadhaar are to be mandatorily quoted for cash deposit or withdrawal aggregating to Rupees twenty lakhs or more in a FY. Please update your PAN or Aadhaar. Kindly reach out to the Bank’s contact center on 1800 10 888 or visit the nearest IDFC FIRST Bank branch for further queries.

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Home Loan Fees & Charges

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Charges
 

Particulars Up to Rs. Remarks
Processing Fees Up to 3% of loan amount. Upfront PF / IMD to be paid at the time login and balance at the time of loan agreement execution -
1) Duplicate No Objection Certificate Issuance Charges
2) Document retrieval charges (per physical document)
3) EMI Pick up/ Collection Charges		 ₹ 500 1) Request in addition to bank’s issued letter
2) Per retrieval request
3) Per Pick up /collection
EMI Bounce charges per presentation

7.5% of EMI bounced with minimum charge of Rs. 400 & maximum of Rs. 1000 (excluding GST)

*Revised bounce charges are effective from April 1, 2025

 For each presentation dishonoured
Cheque/ Instrument Swap charges (per swap) NIL -
1) Copies of documents
2) List of Documents
3) Repayment Schedule
4) Statement of Account		 Soft copy - NIL
Physical copy ₹ 500		 1) Per request for copies
2) Per request of list of documents
3) Per physical repayment schedule request
4) Per physical Statement of Account request
1) Stamp Duty & other statutory charges
2) Equitable mortgage creation charges
3) Equitable mortgage cancellation charges		 As applicable for each state -
MCLR to EBR type
 NIL -
Cancellation & Rebooking Charges 1% of the loan amount + interest from date of disbursal till receipt of cancellation request Cancellation request to be received within 30 days or 1st EMI presentation date, post which cancellation will be treated as foreclosure
Switch Fees (For rate repricing) Upto 2% Re-pricing Fee will be charged on loan outstanding. At the request of the borrower, bank at its sole discretion may permit the borrower for repricing of the loan
Switch Fee (For interest type)  • Switching from Floating Rate of interest to Fixed rate of interest: 0.1% of principle outstanding amount or Rs.10,000/- whichever is lower, excluding applicable taxes.
• Switching from Fixed Rate of interest to Floating Rate of interest will attract a fee of upto 2% of the principle outstanding amount.
• Switching from higher Fixed Rate of interest to lower Fixed Rate of interest will attract a fee of upto 1 % of the principle outstanding amount.
Note: Interest rate type can be switched two times during the entire tenure of the loan. Once interest rate is switched from floating rate to fixed rate, it will not be allowed to switch back to floating rate for minimum three years from the date of switch.
Penal Charges for Delay of Payment (Non payment of EMI/ installment/ amount payable). Penal charges will be levied to customer post expiry of grace period of 7 days 2% per month (Exclusive of GST) of the unpaid EMI or Rs 300 (Exclusive of GST) whichever is higher. Applicable taxes shall be levied upon above penal charges. -
Incidental charges & Expenses Incidental charges & expenses are levied to cover the costs, charges, expenses and other monies that may have been expended in connection with recovery of dues from a defaulting customer. Charged on actuals -
Foreclosure / Prepayment / Part Payment charges For loans having floating rate of interest :
i. Foreclosure / Prepayment/ Part Payment charge: NIL

For loans having fixed rate of interest for entire tenure:
i. Foreclosure / Prepayment/ Part Payment charge: Upto 2% of the principle outstanding amount, excluding applicable charges/taxes.

For loans having hybrid rate of interest:
i. If Foreclosure/ Prepayment/ Part Payment is done during floating rate: NIL
ii. If Foreclosure/ Prepayment/ Part Payment is done during fixed rate: Upto 2% of the principle outstanding amount, excluding applicable charges/taxes
Reset Frequency   Loans booked from 1st October 2019 onwards which are linked with EBR (External Benchmark Rate) would be reset every 3 months.
Insurance   Specialized insurance products funded with Home Loans
Initial Money Deposit/ Application Fees (Non-refundable) Upto 5000 IMD/Application Fees is part of Processing fees -

 

Interest Rate

All loans disbursed on or before 30th September 2019 would continue to be linked with MCLR.

 

Product External Benchmark
(a)		 Fixed Spread over External Benchmark
(b)
Housing Loan Repo 2%
  • • Additional Premium (c) up to 750 bps will be added depending on customer risk profile, product strategy, market competition etc, which will be over and above the (a) External Benchmark (b) Fixed Spread over External Benchmark
  • • Premium will be fixed at the time of the origination of the loan and will not be changed unless the borrower’s credit assessment undergoes a substantial change, as agreed upon in the loan contract.
  • • The Repo Rate will be updated on a quarterly basis and any change in the Repo Rate will be passed on to the customers on the next reset date.

GST, as applicable, will be levied on all service charges. The above Schedule of Charges is subject to be revised from time to time by the Bank, as will be updated on the official website of the Bank.



Short & Sweet Home Loan Fees & Charges


Short & Sweet Home Loan Fees and Charges. Charges are exclusive of GST

Particulars Up to Rs.
Cash Deposit Free Limit  1 lac
 Cash deposit -Charge above free limit    ₹3 per 1000
DD payable at Correspondent Bank locations ₹30 per DD
Cheque Return Cheque deposited – ₹50      per cheque
Cheque issued – ₹250 per cheque
Annual charges Free
ATM transactions IDFC Bank Ltd. ATMS Free
ATM transactions Non IDFC ATMS (Cash Withdrawal, Balance Enquiry) 5 Txn per month Free, above 5 txn, Balance Enquiry ₹8 per Txn, Withdrawal ₹20 per Txn
Reissuance (lost or damaged) Free
Cross Country Mark Up for International transactions (POS/ATM) 2%
Pin Regeneration Free

Payment and Miscellaneous Services

Particulars Up to Rs.
Intra-Bank Fund Transfer - Branch Free
Intra-Bank Fund Transfer -Internet Banking Free
RTGS Payment - Branch Free
RTGS Payment - Internet Banking Free
NEFT Payment - Branch Free
NEFT Payment - Internet Banking Free
NACH Payment Free
IMPS Free
Payable At Par Cheque Issuance Free
DD payable at IDFC BANK locations Free
DD - Duplicate Issuance Free
DD Cancellation/ revalidation Free
Account Statement Physical ( Branch/ Channel) Free
Payable at Par Cheque Book Free
Account Closure Free
SMS/ E mail Alerts Free
Phone Banking Free
Net Banking Free
Mobile Banking Free
Standing Instruction- Set Up/Execution/Amendment Free
Bill Payment- Net Banking Free
Bankers Verification (Photo/ Signature/ Address) Free
Balance Confirmation Certificate Free
Record Retreival Free
Interest/ TDS Certificate Free
Stop Payment per Instruction Free
Balance Enquiry (Branch/ Channels) Free
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