Schedule of Charges
Sr. No. Charge Type Charge Description
1 Login Fee (Non refundable) Rs.1600/- (Inclusive of applicable taxes)
UPFRONT CHARGES (CHARGES BEFORE DISBURSEMENT)
2 Processing Charges Upto 3% + applicable taxes (on the sanctioned value) to be collected before disbursement or deducted from first disbursement.
3 Non Postal Stamp / Stamp Duty As per applicable law of the state
4 Non-encumbrance Certificate / Search Report (per property) Rs.2000/- + applicable taxes
Rs.4000/- + applicable taxes ( in Maharashtra State)
5 Technical Fee /Valuation Fees (per property) Rs.2000/- + applicable taxes
6 CERSAI: At the time of Disbursement : Creation of Charge (per property) Upto Rs. 100/-+ applicable taxes
7 CIBIL 100/-+ applicable taxes
8 Property Inspection charges Rs.500/-+ applicable taxes
CUSTOMER SERVICE CHARGES
9 CERSAI: At the time of Modification of Charge ( in case of Top Up) As per the charges levied by CERSAI+ applicable taxes
10 Prepayment Charges A) Part- Prepayment/ Foreclosure of Loan on Fixed Rate of Interest:
Ø No Prepayment Charges, If The Loan Is Foreclosed Through Own Source.

B) However if the payment is made by borrowing from a Bank/ HFC/ NBFC and/ or a Financial Institution:

5% + applicable taxes as Pre-Closure Charges would be levied on principle o/s & all part prepayments done in case loan is closed within 12 months of the first disbursement. (In case of Loan Closure /part payment)

3% + applicable taxes as pre-closure charges would be levied on principle o/s & all part prepayments done in last 12 months in case loan is closed after 12 months of the first disbursement. (In case of Loan Closure /part payment)

11 Cheque/ECS Bounce Charges/ Late payment charges (Per Instrument/Transaction) INR 500/- + applicable taxes per instrument is payable in case of a dishonoured cheque or ECS.
12 Late Payment Interest 3% per month compound for no. of days delayed in PEMI / EMI payment.
13 LOD (List of document) charges Rs.550/- + applicable taxes
14 Duplicate No Dues Certificate Rs.500/- + applicable taxes
15 Copy of Property Papers Rs.550/- + applicable taxes
16 Duplicate Annual Account Statement, Provisional Certificate Rs.500/- + applicable taxes
17 Loan prepayment/closure (fully)statement Rs.500/- + applicable taxes
18 Each Personal Visit to customer’s place for collection of dues Rs.500/- per visit plus applicable taxes
19 SARFAESI 13(2) 5000 + applicable taxes
20 SARFAESI 13(4) 5500 + applicable taxes
21 DM 11000 + applicable taxes
22 138 NOTICE 1100 + applicable taxes
23 BORROWER NORMAL NOTICE 500 + applicable taxes
24 BORROWER WARNING NOTICE 1000 + applicable taxes
25 CO-BORROWER NORMAL NOTICE NIL
26 CO-BORROWER WARNING NOTICE 1000 + applicable taxes
27 GUARNTOR NORMAL NOTICE 500 + applicable taxes
28 GUARNTOR WARNING NOTICE 1000+ applicable taxes
29 LOK ADALAT 500 + applicable taxes
30 INTIMATION NOTICE BEFORE TAKING ACTUAL POSSESSION 1400 + applicable taxes
31 REPLY NOTICE (LEGAL) 2500 + applicable taxes
32 Other Legal Charges as per Actual + applicable taxes
33 Recovery Charges As actual+ applicable taxes
34 Custodial fee for Keeping property document in closed account Rs. 500 per month (post 60 days from loan closure date) + applicable taxes
CHARGES AT THE TIME OF FORECLOSURE
35 CERSAI: At the time of Loan Closure: – Satisfaction of Charge (removal of lien) NIL
36 Insurance Deducted from disbursed amount on actual basis