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* Please fill the downloaded form and submit it at the nearest branch

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Application Form

Photo ID proof

Residence proof

Salary Slip for last 3 months (Salaried customer)

Copy of bank statement for last 6 months (Salaried customer)

Company profile in case it is required (case to case basis) (Salaried customer)

Application Form

Photo ID proof

Residence proof

Copy of last 3 years Income tax return along with computation of income duly attested by Chartered Accountant.(SEP/SENP)

Copy of last 3 years Balance sheet and profit and loss account of the firm duly attested by Chartered Accountant. (SEP/SENP)

Brief Business profile on the letter head. (SEP/SENP)

Bank statement for the last 1 year. (SEP/SENP)

Copy of Shop & establishment/VAT registration or any other mandatory license. (SENP)

Copy of the partnership deed. (SENP)

Copy of TDS/Form 16-A.(SENP)

Details of contract. (SENP)

Copy of advance tax paid/self-assessment tax paid challan. (SEP)

Copy of professional certificate, if in practice. (SEP)

UPFRONT CHARGES (CHARGES BEFORE DISBURSEMENT)
Processing Charges 2%+GST(on the sanctioned value) to be collected before disbursement or deducted from first disbursement
Stamp Duty As per applicable law of the state
Non Encumbrance Certificate / Search Report As per actual
Valuation / Technical Fee Rs 2500/- per property offered as mortgage + GST
CERSAI : At the time of disbursement : Creation of charge Rs 50 + Applicable GST for loans upto Rs 5 lac
Rs 100 + Applicable GST for loans above Rs 5 lac
CUSTOMER SERVICE CHARGES
Creation of charge Rs 100 + Applicable GST for loans above Rs 5 lac
Rs 100 + Applicable GST for loans above Rs 5 lac
Prepayment Charges

Part-Prepayment/Foreclosure of Home Loan on Variable/Floating rate of Interest :- No Prepayment charges.

Part-Prepayment/Foreclosure of Home loan on Fixed rate of Interest:- No prepayment charges, if loan is foreclosed through own source.

However if payment is made by borrowing from a bank/HFC/NBFC and/or a Financial Institution, then prepayment charges as follows:

1. 5% + GST as applicable in 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.

2. 3% + GST as applicable in pre-closure charges would be levied on principle o/s & all part prepayment done in last 12 months in case loan is closed after 12 months of the first disbursement. Non Indivual Home loan would attract the same charges as mentioned above.

Cheque/ECS/ACH Bounce Charges (Per Instrument/Transaction) Cheque return charges of Rs 500/- + GST as applicable as per instrument is payable in case of a is honoured cheque or ECS or ACH
Late payment interest 3% per month compound for number of days delayed in PEMI/EMI
Duplicate No dues certificate Rs 500 + GST
Copy of property documents Rs 500 + GST
Charges for missed due date Rs 200 + GST
Cancellation Charges/Fees If request received within 7 days of the disbursement - Only Rs.1000/- + GST , if received after 7 days of the disbursement - Rs 1000/- + GST & PEMI till the cancellation request
Document retrieval charges Rs 500 + GST
Duplicate Annual Account statement, provisional certificate Rs 500 + GST
Loan repayment/closure(fully) statement/SOA/Repayment schedule charges Rs 500 + GST
Each personal visit to customers place for collection of dues Rs 250 + GST
Disbursement cheque cancellation & re-issuance Rs 1000/- + GST & PEMI will be charged
Disbursement cancellation (Deal postponed etc) If request received within 7 days of the disbursement - Only Rs.1000/- + GST , if received after 7 days of the disbursement - Rs 1000/- + GST & PEMI till the cancellation request
Cheque/ECS swapping Charges (per set)
PDC to PDC Rs 1000 + GST
PDC to ECS NIL
ECS to ECS Rs 1000 + GST
ECS to PDC Rs 1000 + GST
CHARGES AT THE TIME OF FORECLOSURE
Cash collection charges Rs 5/- per thousand for cash collection + GST
CERSAI: At the time of Loan closure :- Satisfaction of charges(removal of lien) NIL
Document custodian fees Rs 500 + GST per month (Chargeable after 30 days of closure in the loan account)