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Loan Against Property Fees and Charges

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Charges

Processing Fees ( Inclusive of Administrative Charges )	Charges	Remarks
	Upto 3% of loan amount	Taken at the time of loan agreement execution

Other Charges

Items	Charges	Remarks
Repayment instrument swap charges	Nil
List of document charges	₹1000	per request for copies / list of documents
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
Cancellation and rebooking	• ₹10,000 towards Cancellation in case of uncashed disbursal Cheque • ₹10,000 + Interest from date of disbursal till receipt of cancellation request, in case of encased disbursal Cheque
Loan rescheduling charges	₹ 1000	per rescheduling
PHYSICAL REPAYMENT SCHEDULE	₹500
PHYSICAL STATEMENT OF ACCOUNT	₹500
CHEQUE SWAP CHARGES	Nil
INITIAL MONEY DEPOSIT / APPLICATION FEES (NON-REFUNDABLE)	₹6500
DOCUMENT RETRIEVAL CHARGES	₹500	per retrieval
STAMPING CHARGES (Inclusive of Facilitation Charges )	As per actuals

Charges on account of delayed payments / defaults

Items	Charges	Remarks
Late Payment/Penal Charges/Default	2% of the unpaid EMI or ₹300 whichever is higher	per month
EMI Pickup/ Collection Charges	₹500
EMI bounce charges	7.5% of EMI amount (Min – INR 400 ; Max – INR1000)	For each presentation dishonoured *Revised bounce charges are effective from April 1, 2025
Overdue handling charges (Delinquent Accounts)	At actuals plus applicable taxes if any

Switch Fees

Itesm	Charges	Remarks
Switch Fees	Principal Outstanding< 3 Crs - ₹5000 + GST Principal Outstanding >= 3 Crs - ₹10,000 + GST	Switch Fees is applicable for Variable rate loans for conversion from MCLR to EBR applicable on the outstanding loan amount.
Interest Rate Switch	(Floating to Fixed where the end use is Personal wherever applicable as per regulatory guidelines) - 0.1% of the sanctioned loan amount or Rs.10,000/- whichever is lower including applicable charges/ taxes.	It can be exercised twice during the entire tenure of the loan facility. 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. The applicable fixed interest rate will be the prevailing fixed interest rate at the time of switch.

Itesm

Charges

Remarks

Switch Fees

Principal Outstanding< 3 Crs - ₹5000 + GST

Principal Outstanding >= 3 Crs - ₹10,000 + GST

Switch Fees is applicable for Variable rate loans for conversion from MCLR to EBR applicable on the outstanding loan amount.

Interest Rate Switch

(Floating to Fixed where the end use is Personal wherever applicable as per regulatory guidelines) - 0.1% of the sanctioned loan amount or Rs.10,000/- whichever is lower including applicable charges/ taxes.

It can be exercised twice during the entire tenure of the loan facility. 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. The applicable fixed interest rate will be the prevailing fixed interest rate at the time of switch.

Re-pricing Fees

Itesm	Charges	Remarks
Re-pricing Fees	1/2 of rate drop given to the customer as a % or ₹10000, whichever is higher	Re-pricing Fee will be charged on the principal loan outstanding. At the request of the borrower, bank at its sole discretion may permit the borrower for repricing of the loan.

Itesm

Charges

Remarks

Re-pricing Fees

1/2 of rate drop given to the customer as a % or

₹10000,

whichever is higher

Re-pricing Fee will be charged on the principal loan outstanding. At the request of the borrower, bank at its sole discretion may permit the borrower for repricing of the loan.

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.

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Borrower Type	Loan Purpose	Fixed Rate	Floating Rate
Individual	Personal	5%	0%
Individual	Business	5%	>24 EMIs cleared 4%; else 5%
Medium Enterprise/ Non-Individual	Personal/Business	5%	>24 EMIs cleared 4%; else 5%

Borrower Type	Loan Purpose	Fixed Rate	Floating Rate
Individual	Personal	5%	0%
Individual	Business	5%	>24 EMIs cleared 4%; else 5%
Medium Enterprise/ Non-Individual	Personal/Business	5%	>24 EMIs cleared 4%; else 5%

Loan Against Property Fees and Charges

Charges

Other Charges

Charges on account of delayed payments / defaults

Switch Fees

Re-pricing Fees

Part prepayment charges (terms as per sanction letter to supersede charges and agreement)

Foreclosure charges

Interest Rate

Re-Pricing frequency

Charges on Dropline Overdraft facility

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