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: 17.10%
Fee & charges for Home Loans, LAP, Shop Loan, and Other (Excluding Top-Up) | |||||
| Price Grid | Login Fees | Project Appraisal Charges | Total Project Appraisal Charges | ||
| HL/Others | LAP/Shop | HL/Others | LAP/Shop | ||
| Up to Rs. 10 L | Rs.2500 + GST | Rs.7500 + GST | Rs.15000 + GST | Rs.10000+ GST | Rs.17500 + GST |
| Rs 10L - 20L | Rs.2500 + GST | Rs.15000 + GST | Rs.22500 + GST | Rs.17500 + GST | Rs.25000 + GST |
| Rs. 20 L+ | Rs.2500 + GST | Rs.25500 + GST | Rs.30000 + GST | Rs.28000 + GST | Rs.32500 + GST |
| **The above fees and charges are not applicable to Top-Ups | |||||
| Fees & Charges for Top Ups only: | |||||
| Price Grid | Total Project Appraisal Charges | ||||
| Top Up | |||||
| Upto Rs. 50 k | Rs.3000 + GST | ||||
| Rs. 50 k – 2.5 L | Rs.5000 + GST | ||||
| Rs. 2.5 L + | Rs.10000 + GST | ||||
WEF: September 01, 2024 | |||||
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 | |
| CERSAI Charges | NIL |
| MOE Charges (Charges for stamp duty and registration of Memorandum of Equitable Mortgage) | As per the State laws |
| 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 |
