Charges

Charges Details of Charges

Rs.2,000/- for loan amount less than or equal to 5 lakhs
Legal Charges Rs.3,000/- for loans greater than 5 to 25 lakhs
Rs.5,000/- for loans greater than 25 lakhs
Processing Fees Upto 2%
Admin Fee Upto 0.2%
Rs.2,000/- inclusive of GST for loans upto 5 lakhs
Rs.3,000/- inclusive of GST for loans greater than 5 upto
Login Fee (Non-refundable and part of processing fees) 25 lakhs
Rs.5,000/- inclusive of GST for loans greater than 25
lakhs
Rs 50/- for all loans up to Rs 5 Lakhs and Rs 100/- for all
CERSAI Charges
other loans
Part Pre-Payment Charges (Fixed ROI period) 2 % on the Prepaid amount
Part Pre-Payment Charges excluding corporate borrowers (Floating
Nil
ROI period)
Foreclosure Charges (Fixed ROI Period) 2% on the future principal amount
Foreclosure Charges excluding corporate borrowers (Floating ROI
Nil
Period)
Cheque Bouncing Charges Rs.500/-
24% per annum for the delayed days from EMI Due date
Delayed Payment Charges
till the date of payment
Field Visit Charges Rs.250 per visit for EMI collection
Documentation Charges Rs.1500/-
PDC Swap Charges Rs.500/-
Charges for providing a photocopy of documents Rs.500/-
Charges for providing Statement of Accounts/No due certificate -
Nil
Once in six months
Charges for providing Statement of Accounts/No due certificate -
Rs.500/-
More than once in six months
Charges for mortgage release/cancellation Rs.1000/-
*Goods and Services Tax (GST) will be charged extra as per the applicable rates, on all the charges and
fees (wherever GST is applicable)

Mean rate and Interest rate range for the quarter October 2023 – December 2023

Segment Mean interest rate Interest rate range

Min Rate (in %) p.a. Max Rate (in %) p.a.

Housing Loan 12.70% 10.50% 17.50%

• Mean rate = Sum of rate of interest of all loan accounts / Number of all loan accounts.

Annualised Percentage Return (APR) for the quarter October 2023 – December 2023
Segment Min Rate (in %) Max Rate (in %)
Housing Loan 11.25% 19.50%
* Annual Percentage Rate: The Annual Percentage Rate (APR) is a method to compute annualized credit cost which includes
interest rate and the loan origination fee

Housing Finance
Type of Loan Segment Effective Rate Of Interest (p.a.) linked to External Benchmark Rate
Fixed or Hybrid# Micro Home Finance 17.50%*
Fixed or Hybrid# Others 10.50% - 15.00%*
# Hybrid: Fixed for 3 years and thereafter floating interest rate

* Market Linked Benchmark (MLB): External Benchmark Rate is arrived based on Repo Rate published by RBI. Rate is
published at https://rbi.org.in/home.aspx

• Application forms complete in all respects will be processed within 14 days from the date of receipt of application form.

• Wherever additional information/documentation is required to process the application form, the same shall be intimated to the
customer within 14 days from the date of receipt of the application form.

To make payments for the Loan via NEFT / RTGS, please contact your Home Branch – Branch Manager for further details