Home Loan: Apply Housing Loan Online 7.55*% P.A. Interest Rate | HDFC Bank

Sr. No

Name of the Product/Service

Name of Fee/Charge levied

When Payable

Frequency

Amount in Rupees

1A

Fees for Housing Loan/ Extension/Improvement of Housing Loan /Refinanceof Housing Loan/Plot Loans for Housing(Salaried, Self Employed Professionals)

Processing Fees

At Application

Once

Upto 0.50% of the loan amount or Rs. 3000/- whichever is higher + taxes and statutory levies and  charges, as may be applicable from  time to time. Minimum Retention
Amount: Rs. 3000/-

1B

Fees for Non Housing Loan/Extension/ 
Improvement of Non-Housing Loan/ 
Refinance of Non-Housing Loan/Plot Loans   for Non- Housing (Salaried,Self Employed  Professionals) 

Processing Fees

At Application

Once

Upto 0.50% of the loan amount or Rs. 4500/- whichever is higher + taxes and statutory levies and charges, as may be applicable from time to time. Minimum Retention Amount: Rs. 4500/- 

2 

Fees for Housing/Extension/Improvement/ 
Refinance/Plot Loans for Self Employed Non Professionals. 

Processing Fees

At Application

Once

Upto 1.50% of the Loan amount or Rs. 4500/- whichever is higher + taxes and statutory levies and charges, as may be applicable from time to time. Minimum Retention
Amount: Rs. 4500/- 

3A

Fees for Top-Up Loan (Salaried,Self  
Employed Professionals)

Processing Fees

At Application

Once

Upto 0.50% of the Loan amount or Rs. 3000/- whichever is higher + taxes and statutory levies and charges, as may be applicable from time to time. Minimum Retention
Amount: Rs. 3000/-

3B

Fees for Top-Up Loan (Self Employed  
Non Professionals) 

Processing Fees 

At  
Application 

Once 

Upto 1.50% of the Loan amount or Rs. 4500/- whichever is higher + taxes and statutory levies and charges, as may be applicable from time to time. Minimum Retention
Amount: Rs. 4500/-

4

Fees for Equity/Non Residential Premises Loans. 

Processing Fees 

At  
Application 

Once 

Upto 1.50% of the Loan amount or Rs. 4500/- whichever is higher + taxes and statutory levies and  charges, as may be applicable from time to time. Minimum Retention
Amount: Rs. 4500/-

5

Fees for NRI Loans 

Processing Fees 

At  
Application 

Once 

Upto 1.25% of the Loan amount or Rs. 3000/- whichever is higher + taxes and statutory levies and charges, as may be applicable from time to time. Minimum Retention
Amount: Rs. 3000/-

6

Fees for Value Plus Loans 

Processing Fees 

At  
Application 

Once 

Upto 1.50% of the Loan amount or Rs. 3000/- whichever is higher + taxes and statutory levies and charges, as may be applicable from time to time.

7

Fees for Loans under HDFC Reach  
Scheme  

Processing Fees 

At  
Application 

Once 

Upto 1.50% of the loan amount + taxes and statutory levies and charges, as may be applicable from time to time.

8

Delay Payment Charges 

Additional  
Interest 

On Accrual 

Monthly

A maximum of 18% P.A on the defaulted sum.

9

Expenses to cover costs 

Incidental 
Charges 

On incurring 
expenses 

Incidental charges and expenses are levied to cover the cost, charges, expense and other monies as per actuals applicable to a case.

10

Statutory Charges 

CERSAI   

On  
Disbursement/ Change of security 

Once

As per charges levied by CERSAI.

11

Statutory Charges 

Stamp Duty/ 
MOD/MOE 

On Fixing of 
Disbursement 

Once

As applicable in the respective state,

12

Switch to Lower Rate in Variable rate 
Loans (Housing/Extension/Improvement)

Conversion Fees 

On Conversion 

On every Spread 
change 

Upto 0.50% of the Principal Outstanding and undisbursed amount (if any) at the time of Conversion or a cap Rs. 50000 plus taxes whichever is lower.

13

Switching to Variable Rate Loan from 
Fixed Rate Loan (Housing/Extension/ 
Improvement) 

Conversion Fees 

On Conversion 

Once 

Upto 0.50% of the Principal Outstanding and undisbursed amount (if any) at the time of Conversion or a cap Rs. 50000 plus taxes whichever is lower.

14

Switch from Trufixed fixed rate to 
Variable rate  

Conversion Fees 

On Conversion 

Once 

1.75% of the Principal Outstanding
and undisbursed amount (if any) plus taxes at the time of Conversion.

15

Switch to Lower Rate 
(Non–Housing Loans) 

Conversion Fees 

On Conversion 

On every Spread 
change 

Half of the spread difference on the principal outstanding and undisbursed amount (if any) plus taxes, with a minimum fee of 0.5% and Max. 1.50%.

16

Switch to Lower Rate (Plot  Loans)

Conversion Fees 

On Conversion 

On every Spread 
change 

0.5% of principal outstanding and undisbursed amount (if any) plus taxes at the time of Conversion. 

17

Cheque/ECS  Dishonour Charge 

Miscellaneous 
 Receipts 

On Cheque 
Dishonour 

Depends  on no. of Dishonour

Rs. 200/- Per Dishonour.

18

Photo Copy of Documents 

Miscellaneous 
Receipts  

Event 

On every request

Upto Rs. 500 plus taxes.

19

Fees on trương mục of External Opinion  

Miscellaneous 
Receipts 

On incurring expenses

As per actuals.

20

List of documents 

Miscellaneous 
Receipts 

Event 

On every request

Upto Rs. 500 plus taxes.

21

 PDC swap 

Miscellaneous 
Receipts 

Event 

On every request

Upto Rs. 500 plus taxes.

22

Disbursement cheque cancellation charge post disbursement 

Miscellaneous 
Receipts 

Event 

On every request

Upto Rs. 500 plus taxes.

23

Re-appraisal of loan after 6 months from sanction 

Processing Fees 

At  
Re-Application 

Once

Rs. 2000 plus  taxes and statutory levies and charges, as may be applicable from time to time. 

24

Increase/Decrease in loan term 

Processing Fees 

At Request 

Once

Rs 500 plus  taxes and statutory levies and charges, as may be applicable from time to time