Aditya Birla Finance Home Loan - Fees and Charges

Loan Processing /Administration Fee

Home Loans : Up-to 1% of the loan amount
Other Loans : Up-to 2% of the loan amount

Pre-payment Charges:
Pre-closure is allowed after 12 months from loan
disbursement date for Long Term Loans
Any part pre-payments made in the last 12 months
prior to closure will be counted towards the pre-
closure charges


Floating rate loans given to individuals, where all applicants and co-applicants are individuals: Nil



Home Loans (other than floating rate Home Loans to individuals): 2% of principal outstanding



Loan against Property & Lease Rental Discounting: 4% of principal outstanding


Other Charges:
Default Penal Interest Rate / Non Conformance with
any covenants / stipulated conditions

24% p.a. i.e. 2% per month

ECS failure charges 750/- per instance

Accrued Interest

As applicable based on actual delayed status or as communicated by the lender from time to time

CERSAI charges

When facility amount is equal to 5 lacs or lesser – per property

When facility amount is greater than 5 lacs – 500+ST per property

Pre-closure quote 1,000/- per instance

Request for Copies of any collateral held with ABHFL 750/- per instance

Duplicate Statement/ Repayment Schedule / any other document held with ABHFL request 200/- per instance

Charge For Exchanging ECS mandate 750/- per instance

CIBIL report retrieval fee 50/- per instance for Consumer and 500/- for Commercial CIBIL

Loan Re-schedulement (at discretion of ABHFL) charges

0.50% of the loan outstanding + Service Tax

NOC issuance charges 500 + Service Tax

Swap Charges (Fixed or semi-fixed rate to floating and vice-versa at discretion of ABHFL)

2% of the loan outstanding

Stamp Duty

Legal and other statutory charges

Insurance Premium

Creation charge with ROC

As per actual, where applicable

Above charges constitute the rack rate for all customers. Actual charges for any customer, if different, will be as communicated at the time of loan sanction and disbursal and would be subject to changes from time to time.

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