Fees and Charges

Processing Fee

Name of the Product/Service Amount in Rupees
Fees for Resident Housing Loan/ Extension/House Renovation Loan/ Refinance of Housing Loan/Plot Loans for Housing (Salaried, Self-Employed Professionals) Up to 0.50% of the loan amount or ₹3000 whichever is higher plus applicable taxes/statutory levies.
Minimum Retention Amount: 50% of applicable fees or ₹3000 plus applicable taxes/statutory levies, whichever is higher.
Fees for Resident Housing/Extension/ Renovation/Refinance/Plot Loans for Self Employed Non-Professionals Up to 1.50% of the loan amount or ₹4500, whichever is higher plus applicable taxes/statutory levies.
Minimum Retention Amount:
50% of applicable fees or ₹4500 plus applicable taxes/statutory levies, whichever is higher.
Fees for NRI Loans Up to 1.25% of the loan amount or ₹3000 whichever is higher plus applicable taxes/statutory levies and charges.
Minimum Retention Amount: 50% of applicable fees or ₹3000 plus applicable taxes/statutory levies, whichever is higher.
Fees for Value Plus Loans Up to 1.50% of the loan amount or ₹ 4500 whichever is higher plus applicable taxes/statutory levies and charges.
Minimum Retention Amount: 50% of applicable fees or ₹4500 plus applicable taxes/statutory levies, whichever is higher.
Fees for loans under HDFC Bank Reach Scheme Up to 2.00% of the loan amount plus applicable taxes/statutory levies. Minimum Retention Amount: 50% of applicable fees or ₹3000 plus applicable taxes/statutory levies whichever is higher.
Re-appraisal of the loan after 6 months from the date of sanction ₹2000 plus applicable taxes/statutory levies.


Other Charges 

Name of Fee/Charge Levied Amount in Rupees
Delayed Instalment Payment Charge A maximum of 18% p.a. on overdue instalment amounts.
Incidental Charges Incidental charges and expenses are levied to cover the costs, charges, fees, and other monies as per actuals applicable to a case.
Stamp Duty/MOD/MOE/Registration As applicable in the respective states.
Fees/Charges levied by entities such as CERSAI As per actual charges/fees levied by regulatory bodies plus applicable taxes/statutory levies
Fees/Charges levied by such third parties such as Mortgage Guarantee Company As per actual fee/charges levied by any third party (ies) plus applicable taxes/statutory levies


Conversion Fees

Name of Fee/ Charge Levied Amount in Rupees
Switch to Lower Rate in Variable Rate Loans (Housing/Extension/Renovation) Up to 0.50% of the principal outstanding and undisbursed amount (if any) at the time of conversion, or a cap of ₹50,000, plus applicable taxes/statutory levies, whichever is lower.
Switching to Variable Rate Loan from Fixed Rate Loan (Housing/Extension/Renovation) Up to 0.50% of the principal outstanding and undisbursed amount (if any) at the time of conversion, or a cap of ₹50,000, plusapplicable taxes/statutory levies, whichever is lower.
Switch from Combination Rate Home Loan Fixed Rate to Variable Rate 1.75% of the principal outstanding and undisbursed amount (if any) plus applicable taxes/statutory levies at the time of conversion.
Switch to Lower Rate (Plot Loans) - Variable Rate 0.5% of the principal outstanding and undisbursed amount (if any) plus applicable taxes/statutory levies at the time of conversion.
Switch to Lower Rate (Loans under HDFC Bank Reach) - Variable Rate Up to 1.50% of the principal outstanding and undisbursed amount (if any) plus applicable taxes/statutory levies at the time of conversion.


Miscellaneous Receipts

Name of Fee/Charge Levied Amount in Rupees
Payment Return Charges ₹300 Per Dishonour.
Photocopy of Documents Up to ₹500 plus applicable taxes/statutory levies.
Fees on Account of External Opinion (such as legal/technical verifications) As per actuals
List of Documents Up to ₹500, plus applicable taxes/statutory levies.
Repayment Mode Change Charges Up to ₹500 plus applicable taxes/statutory levies.


Premature Closure/Part Payment

Name of the Product/Service Amount in Rupees
A. Adjustable Rate Loans (ARHL) and Combination Rate Home Loan (“CRHL”) during the period of applicability of the Variable Rate of interest For loans sanctioned to individual borrowers with or without co-applicants, no prepayment charges shall be payable on account of part or full prepayments made through any sources except when the loan is sanctioned for business purposes*.
B. Fixed Rate Loans (“FRHL”) and Combination Rate Home Loan (“CRHL”) during the period of applicability of the Fixed Rate of interest For all loans sanctioned with or without co-applicants, the prepayment charge shall be levied at the rate of 2%, plus applicable taxes/statutory levies of the amounts being so prepaid on account of part or full prepayments except when part or full prepayment is being made through own sources*.


*Own Sources: The expression "own sources" means any source other than borrowing from a Bank/HFC/NBFC or Financial Institution.

The borrower will be required to submit documents that HDFC Bank may deem fit and proper to ascertain the source of funds at the time of prepayment of the loan.

The prepayment charges are subject to change per the prevailing policies of HDFC Bank and may vary from time to time, which shall be noted on www.hdfcbank.com.


Property Document Retention Charges 

Name of Fee/ Charge levied Amount in Rupees
Custody charges ₹1000 per month for non-collection of collateral documents beyond 60 days, from the date of closure of all loans/facilities linked to the collateral.


Non-Housing Charges on Home Loan NRI Extension

  • Loan Processing Charges

Maximum of 1% of the loan amount (Minimum PF of ₹7,500).

  • Pre-Payment/Part Payment Charges

No prepayment charges shall be applicable for part prepayment once during a financial year only if the amount being prepaid does not exceed 25% of the principal amount outstanding at the time of such prepayment.

2.5% plus Goods and Services Tax (GST) of the principal outstanding is being prepaid or at such rates as the Bank decides if the amount being prepaid is more than the said 25%. Charges shall be applicable on the amount in excess of the said 25%.

Individual Borrowers

No prepayment charges shall be applicable for part payment on a floating rate term loan sanctioned for purposes other than business to individual borrowers with or without co-obligant (s).

MSE Borrowers

No prepayment charges shall be applicable for part payment on floating rate loans to Micro and Small Enterprise (MSE) Certified borrowers if the loan is closed from Own Sources.


Premature Closure Charges 

Name of fee or charges Charges
Premature closure charges - Floating Rate Term loan availed by Individual borrowers for Business Purpose 2.5% of the Principal Outstanding >60 months after the disbursement of the Loan – NIL Charges.
Premature closure charges - Floating Rate Term loan availed by Individual borrowers for End Use other than Business Purpose NIL
Premature closure charges - Floating Rate Term loans availed by Micro, Small Enterprises and closure from own source* NIL
Premature closure charges - Floating Rate Term Loans availed by Micro, Small Enterprises and closure through takeover by any Financial Institutions 2% takeover charges of the Principal Outstanding >60 months after the disbursement of the Loan – NIL Charges.
Premature closure charges - Floating Rate Term Loans availed by Non-Individual borrowers* Maximum of 2.5% of the Principal Outstanding. >60 months after the disbursement of the Loan – NIL Charges.
Delayed Instalment Payment Charge A maximum of 18% P.A. on overdue instalment amounts.
Payment Return Charges ₹450
Repayment schedule charges* ₹50 per instance
Repayment mode change charges* ₹500
Custody charges ₹1,000 per month for non-collection of collateral documents beyond 60 days from date of closure of all loans/facilities linked to the collateral.
Revision in spread 0.1% of Principal Outstanding OR ₹5,000 whichever is higher per proposal.
Legal/Repossession and Incidental charges At actuals.
Stamp Duty and other statutory charges As per applicable laws of the state.
Conversion charges for Change in Reference rate (BPLR/ Base rate/MCLR to Policy Repo Rate (for existing customers) NIL
Penal Interest for Non-Adherence of ESCROW Account (as per sanction terms and conditions) 2% p.a additional on existing ROI (Applicable in LARR cases only)
Penal interest charged for non-complying with sanction terms 2% per annum additional on existing ROI- (Charged on a monthly basis) Subject to a Max of ₹50,000.
CERSAI Charges ₹100 for each property.
Property Swapping/Partial Property Release* 0.1% of the loan amount. Min – ₹ 10,000 Max of ₹25,000 per property.
Document Retrieval charges post Disbursement* ₹75 per document set (post disbursement).

*Own Sources: the expression "own sources" means any source other than borrowing from a Bank/HFC/NBFC or Financial Institution.

The borrower will be required to submit documents that HDFC Bank may deem fit and proper to ascertain the source of funds at the time of prepayment of the loan.

The prepayment charges are subject to change as per prevailing policies of HDFC Bank and accordingly may vary from time to time which shall be notified on www.hdfcbank.com.