Fees & charges

	Home Loan (IV)	Flexi Loan
Application Fee	Rs 1,000	N/A
Handling Fee	1.% of Loan amount: Minimum Rs 3,000 and Maximum Rs 50,000	Not Applicable
Medical Fee	Rs 450 - payable before medical examination	Rs 450 - payable before medical examination
Policy Fee (DBLA)	Rs 200	Rs 200
Monthly service charge	Rs 100	Rs 100
Mortgage Insurance	Payable when Loan to Valuation exceeds 90%	Not Applicable
Fixed Charge Fee	0.75% of Loan amount	Not Applicable
Processing Fee	Not Applicable	Up to Rs 0.5m - Rs 3000 (Flat) Between Rs 0.5m to Rs 1m - 0.65% of the Loan Amount (Rs 3,250 to Rs 6,500) Between Rs 1m to Rs 1.5m - 0.75% of the Loan Amount (Rs 7,500 to Rs 11,250) (A Floating Charge will be applicable to loans between Rs 1m to Rs 1.5m)
Penalty Fee for late payment
Prior BPA cases BPA cases	10% on monthly instalment 5% p.a on unpaid capital	5% p.a on unpaid capital
Visa Fee	Rs 200	Rs 200
Pari-Passu	Rs 2,000	Not Applicable
- EWF	Rs 200	Not Applicable
Legal Fee	Rs 200	Not Applicable
Early Repayment Fee*	1% ERF on capital balance applicable for loans >= Rs3M The interest free will be forfeited in case client pays his/her loan in anticipation.	Not Applicable
Erasure of Fixed Charges and Conventional/Subrogation charges	Rs 5000 + Registration dues of Rs550 for premature repayment of loan within 5 years Rs 3000 + Registration dues of Rs550 for premature repayment of loan above 5 years and upto 10 years. Rs 1000 + Registration dues of Rs550 for loan expiry or payment effected 10 years and above.
Duplicate Loan Repaid Letter	Rs 300	Rs 300

*Not applicable for loans falling under the Borrowers Protection Act

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