| Processing Fees & Charges | |
|---|---|
| Processing fee/Loan processing charge (non-refundable) | Salaried / Self employed Professional Upto 0.50% of the loan amount or Rs. 4,000/- whichever is higher, plus applicable taxes. For Self-Employed Non-Professionals: Upto 1.50% of the loan amount or Rs. 5,000/- whichever is higher, plus applicable taxes. For NRI Loans Upto 1.50% of the Loan amount or Rs. 4,000/- whichever is higher + applicable taxes / statutory levies and charges. For Value Plus Loans Upto 1.50% of the Loan amount or Rs. 5000/- whichever is higher + applicable taxes / statutory levies and charges. For HDFC Reach Scheme Upto 2.00% of the loan amount+ applicable taxes / statutory levies. Processing Fee is non-refundable in nature |
| Re-Appraisal Of Loan After 6 Months From Sanction(applicable for housing and non-housing) | Salaried / Self employed Professional- Upto Rs. 3300/- For Self-Employed Non-Professionals/ NRI/ Value Plus Loans/ HDFC Reach Scheme/- Upto Rs. 5000 |
| 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 Rs. 3000/- |
| List Of Documents (For issuance of duplicate LOD post disburserment) |
Upto Rs.500/- |
| Photocopy of Documents | Upto Rs. 500/- |
| Repayment Mode Change Charges | Upto Rs.500/- |
| Stamp Duty & Statutory / Regulatory Charges | At actual |
| Incidental Charges | At actual |
| Cersai Charges | At actual (upto Rs.100/-) |
| Mortgage Guarantee | At actual |
| Administrative Charges | Upto Rs.5000/- 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 Rs 50000/- for Critical security related deferrals Max of Rs 25000/- 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 Rs 3000 (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 Rs 2000 ( 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 | Rs. 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 | Rs. 1000 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 applicable taxes. All government taxes will be charged as 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 Rs. 50 Lakh availed by Micro & Small Enterprises.
5. NIL Processing Fees for loan facility up to Rs. 5 Lakh availed by Micro & Small Enterprises subject to URC submission prior to disbursal
6. 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).
7. Penal Charges will be realised on cash basis
8. 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.
9. 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
10. 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.
| Other Charges | |
|---|---|
| Incidental Charges | Incidental charges and expenses are levied to cover the cost, charges, expense 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 Regulatory /government entities such as CERSAI |
As per actual charges/ fee levied by Regulatory bodies + 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) + applicable taxes/ statutory levies |
• 10% discount to senior citizens on all the service charges
For Non-Housing Charges. please click here
| Rates Offered To Customer (FY27 Q1 data) | ||||||
|---|---|---|---|---|---|---|
| Segment | IRR | APR | ||||
| Min | Max | Avg. | Min | Max | Avg. | |
| HOUSING | 7.1 |
12 |
7.35 |
7.1 |
12 |
7.35
|
| NON - HOUSING* | 7.15 |
13.6 |
8.06 |
7.15 |
13.6 |
8.06 |
| *NON - HOUSING = LAP(EQUITY), NON-RESIDENTIAL PREMISES LOAN & INSURANCE PREMIUM FUNDING TOP-UP retained in Housing as included in earlier quarters |
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