Processing Fees & Charges

HOUSING CHARGES
Processing fee/Loan processing charge (non-refundable) Salaried / Self employed Professional
Upto 0.50% of the loan amount or ₹4,000/- whichever is higher, plus applicable taxes.
Minimum Retention Amount: Upto 50% of applicable fees or ₹4,000/- + applicable taxes whichever is higher.
For Self-Employed Non-Professionals:
Upto 1.50% of the loan amount or ₹5,000/- whichever is higher, plus applicable taxes.
Minimum Retention Amount: Upto 50% of applicable fees or ₹5,000 + applicable taxes whichever is higher.
For NRI Loans
Upto 1.50% of the Loan amount or ₹4,000/- whichever is higher  +  applicable taxes / statutory levies and charges.
Minimum Retention Amount: Upto 50% of applicable fees or ₹4,000/-+applicable taxes/statutory levies whichever is higher
For Value Plus Loans
Upto 1.50% of the Loan amount or ₹5,000/- whichever is higher + applicable taxes / statutory levies and charges.
Minimum Retention Amount: Upto 50% of applicable fees or ₹5,000/-+applicable taxes/statutory levies whichever is higher
For HDFC Reach Scheme
Upto 2.00% of the loan amount+ applicable taxes / statutory levies. Minimum Retention Amount: Upto 50% of applicable fees or ₹4,000/-+applicable taxes/statutory levies whichever is higher
Re-Appraisal Of Loan After 6 Months From Sanction(applicable for housing and non-housing) Salaried / Self employed Professional- Upto ₹3,300/-
For Self-Employed Non-Professionals/ NRI/ Value Plus Loans/ HDFC Reach Scheme/- Upto ₹5,000.
Conversion of ROI from floating to fixed(who have availed EMI based floating rate Personal Loans)*Please refer the RBI circularNo.DBR.No.BP.BC.99/08.13.100/2017-18 on “XBRL Returns – Harmonization of Banking Statistics” dated January 04, 2018.”. Upto ₹3.000/-
List Of Documents
(For issuance of duplicate LOD post disburserment)		 Upto ₹500/-
Photocopy of Documents Upto ₹500/-
Repayment Mode Change Charges Upto ₹500/-
Stamp Duty & Statutory / Regulatory Charges At actual
Incidental Charges At actual
Cersai Charges At actual (upto ₹100/-)
Mortgage Guarantee At actual
Administrative Charges Upto ₹5,000/- plus applicable taxes
Other penal charges, if any  
Non Compliance of sanction / agreed Terms Upto 2% charges per annum on principal outstanding for non compliance of agreed terms upto its fulfillment - (Charged on monthly basis)
Subject to a Max of ₹50,000/- for Critical security related deferrals
Max of ₹25,000/- for other deferrals
Conversion Fees/Charges For Home Loan, HL Top UP & Plot Equity loan (Switch to lower rate in Variable rate loans )
Upto 0.50% of the Principal Outstanding and undisbursed amount (if any) at the time of Conversion or ₹3,000 (which ever is lower ) for 1st Conversion with charges. , for Subsequent conversions charges would be Upto 0.50% of the Principal Outstanding and undisbursed amount (if any) at the time of Conversion OR ₹2,000 ( which ever is lower ) .
Switch from Combination rate home loan under fixed rate term/Fixed rate loan to Variable rate –
Upto 1.50% of the Principal Outstanding 
Payment Return Charges ₹450/-
Premature closure charges • Adjustable Rate Loans (ARHL) and Combination Rate Home Loan (“CRHL”) during the period of applicability of the Variable Rate of interest – Nil
• Fixed Rate Loans (“FRHL”) and Combination Rate Home Loan (“CRHL”) during the period of applicability of the Fixed Rate of interest - 2% plus applicable taxes/statutory except when part or full prepayment is being made through own sources
Property Document Retention charges ₹1,000 per calendar month, after 2 calendar months from date of closure of all loans/facilities linked to the collateral
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 may deem fit & proper to ascertain the source of funds at the time of prepayment of the loan.
1.       All the above charges/fees/Commissions are exclusive of taxes. All government taxes are applicable.
2.       10% discount to senior citizens on all the service charges
3.       Service charges/Fees/Commissions may be revised with approval of Business Head in case of regulatory requirement.
4.       NIL Premature Closure Charges /Foreclosure/ Prepayment Charges for Fixed rate loan facility up to ₹50 Lakh availed by Micro & Small Enterprises.
5.       NIL Processing Fees for loan facility up to ₹5 Lakh availed by Micro & Small Enterprises subject to URC submission prior to disbursal                               
6.       NIL Processing Fees for loan facility up to ₹5 Lakh availed by Micro & Small Enterprises subject to URC submission prior to disbursal l
7.       Interest rate of 18% p.a. will be levied on the amount utilized above the Operating Limit of overdraft facility. (Applicable for DOD facility only).
8. Penal Charges will be realised on cash basis
9. Interest will be charged on unpaid EMI for the number of days  EMI is late. This interest is calculated @ loan’s contracted rate and will be added to next EMI.    
10.       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
11.       Processing fee, administrative fee, stamp duty, cersai fee and all other charges are non refundable
In the event of default, the details of authorised associate to approach for recovery of dues will be intimated to you through a payment reminder communication and any change in details would be intimated to you thereon. List of authorised associates empanelled for handling collections are updated on the banks website for reference.


Fees and Charges

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 plus applicable 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 Fee/Charge levied Amount in Rupees
A. Adjustable Rate Loans (ARHL) and Combination Rate Home Loans (“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 Loans (“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.

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 closure date of all loans/facilities linked to the collateral.


Non-Housing Charges on NRI Plot Loan

  • 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 25%. Charges shall be applicable on the amount over 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-obligate (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 purposes 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 purposes 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 ₹1000 per month for non-collection of collateral documents beyond 60 days from the closure date of all loans/facilities linked to the collateral.
Revision in spread 0.1% of Principal Outstanding OR ₹ 5000 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 every month) 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 and 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 per prevailing policies of HDFC Bank and may vary from time to time, which shall be noted on www.hdfcbank.com.