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 Name of the Product/Service Amount in Rupees
Delayed Instalment Payment Charge Delayed Payment Charges A maximum of 18% p.a. on overdue instalment amounts.
Incidental Charges Expenses to cover costs Incidental charges and expenses are levied to cover the costs, charges, expenses and other monies as per actuals applicable to a case.
Stamp Duty/MOD/ MOE/ Registration Statutory Charges As applicable in the respective States.
Fees/Charges levied by entities such as CERSAI Fees/charges levied by Regulatory bodies As per actual charges/ fee levied by Regulatory bodies plus applicable taxes/statutory levies.
Fees/Charges levied by such third parties such as mortgage guarantee company Fees/charges payable to any third party(ies) whose services have been availed 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 the Product/Service 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.


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.  


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" for this purpose means any source other than borrowing from a Bank/HFC/NBFC or Financial Institution.

The borrower will be required to submit such documents that HDFC Bank may deem fit & 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.