Applicable fees and charges
Type of fee |
Applicable charges |
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Rate of interest (p.a.) |
Salaried |
Self-employed |
Doctors |
9% to 14% (Floating rate of Interest) |
9% to 14% (Floating rate of Interest) |
9% to 14% (Floating rate of Interest) |
|
Processing fees |
Up to 3.54% of the loan amount (inclusive of applicable taxes) |
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Document Processing Charges |
Up to Rs. 2,360/- (inclusive of applicable taxes) |
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Flexi Fee | Term Loan - Not applicable Flexi Variant - Not applicable |
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Pre-payment Charges |
|
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Annual Maintenance Charges |
Term Loan: Not Applicable Flexi Term Loan (Flexi Dropline): Not applicable Flexi Hybrid Loan: Up to 0.295% (inclusive of applicable taxes) of the Total Withdrawable Amount during Initial Loan Tenure. Not applicable for subsequent Loan Tenure. |
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Bounce Charges |
Rs. 1500 per bounce |
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Penal Interest |
Any delay in payment of monthly instalment shall attract penal interest at the rate of 3.50% per month on the monthly instalment outstanding, from the date of default until the receipt of monthly instalment. |
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Stamp Duty | Payable as per state laws and deducted upfront from the loan amount | ||
Mandate Rejection Charges | Rs. 450/- per month from the first month of due date for mandate rejected by customer's bank until the new mandate is registered | ||
Broken Period Interest/ Pre-EMI Interest | "Broken Period Interest/ Pre-EMI Interest" shall mean the amount of interest on loan for the number of day(s) which is(are): Scenario 1: Over and above the period of 30 (thirty) days from the date of disbursement of the loan Method of recovery of Broken Period Interest/ Pre-EMI Interest: Scenario 2: Less than period of 30 (thirty) days from the date of disbursement of the loan, Interest on first instalment will be charged for actual number of days |
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Mortgage Origination Fees | Rs. 3000/- | ||
Property Insight (if availed) |
Rs. 6999/- (inclusive of applicable taxes) |
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