Fees & Charges
| Interest Rate Structure | |||||
| Product | Floating | ||||
| Minimum | Maximum | ||||
| Home Loan | 8.00% | 17.50% | |||
| LAP | 12.80% | 18.50% | |||
| Commercial Loan | 13.00% | 18.50% | |||
| Home Loan – Top Up | *Interest rate is subject to your existing home loan | ||||
| ** Fees and charges applicable on various services are as follows (updated as on September 01, 2024 ) | |||||
| HFFC PLR: 17.00% (updated on January 01, 2026) | |||||
Fee & charges for Home Loans, LAP, Shop Loan, and Other (Excluding Top-Up) | ||||||||
| Price Grid | Login Fees | HL & Others | Loan Against Property | Commercial | ||||
| Home Loan | Home Loan-Resale | Self-Construction | Plot + Construction | Plot Loan | LAP | Shop Loan / Commercial Property Loan | ||
| Up to Rs. 10 L | Rs.2500 + GST | Rs 8500 + GST | Rs 10000 + GST | Rs 9000 + GST | Rs 9500 + GST | Rs 10500 + GST | Rs 17500 + GST | Rs 18000 + GST |
| Rs 10L - 20L | Rs.2500 + GST | Rs 16000 + GST | Rs 17500 + GST | Rs 16500 + GST | Rs 17000 + GST | Rs 18000 + GST | Rs 25000 + GST | Rs 25500 + GST |
| Rs. 20 L+ | Rs.2500 + GST | Rs 26500 + GST | Rs 28000 + GST | Rs 27000 + GST | Rs 27500 + GST | Rs 28500 + GST | Rs 32500 + GST | Rs 33000 + GST |
| **The above fees and charges are not applicable to Top-Ups (WEF: December 01, 2025) | ||||||||
| Fees & Charges for Top Ups only: | |||||
| Top Up Loan Price Grid | Total Project Appraisal Charges | ||||
| Top Up | |||||
| Upto Rs. 50 k | Rs.3000 + GST | ||||
| Rs. 50 k - 1 L | Rs.5000 + GST | ||||
| 1L - 2.5L | Rs.7500 + GST | ||||
| 2.5 L - 5 L | Rs.12000 + GST | ||||
| 5 L - 10 L | Rs.15000 + GST | ||||
| 10 L+ | Rs.20000 + GST | ||||
WEF: February 10, 2026 | |||||
Schedule of Charges | |||||
| Charges Type | Charges Description | ||||
|---|---|---|---|---|---|
| Part-Prepayment /Foreclosure Charges on loan | |||||
| Foreclosure charges | NIL (No charges for partial or full pre-payments) | ||||
| Penal Charges & Other Charges for delayed payments | |||||
| Pre-EMI/EMI bounce charges (Per Instrument/Transaction) | Rs.500 + applicable taxes | ||||
| Default Penalty | 2% per month on overdue EMIs/PEMIs + applicable taxes [for the overdue period] | ||||
| Legal and Incidental Charges | As per actuals | ||||
| Regularization Fee (for NPA cases) | Rs.10,000/- | ||||
| Recovery Fee (for sale of property in NPA cases) | 2% of the realized sale amount | ||||
| Customer Service & other Charges during the term of the loan | |||||
| Login Fees (Non-Refundable) | Rs 2,950/- (Includes GST @ 18%) | ||||
| Project Appraisal Charges | Rs/-(Includes GST @ 18%) (To be updated at the time of Loan Agreement signing) | ||||
| Valuation Fees (Legal & Technical) | Upto 10,000/- | ||||
| CERSAI Charges | NIL | ||||
| MOE Charges (Charges for stamp duty and registration of Memorandum of Equitable Mortgage) | As per the State laws | ||||
| Technical Verification (Per Tranche Disbursal) | Rs 1000 + GST | ||||
| Document Charges (SOA/LOD/Outstanding Letter) | First Time: NIL; Subsequently: Rs 100/- | ||||
| Conversion Charges (Floating to Fixed, Fixed to Floating) | 2% on Principal Outstanding + applicable taxes | ||||
| Documents Retrieval Charges | NIL | ||||
| Repricing Fee | Up to 1.5% of Principal Outstanding | ||||
**All the fees and charges as mentioned above are non-refundable in nature. | |||||
