HSBC Bank Personal Loan - Fees and Charges

Personal Loan from HSBC

Personal loan processing charges

Upto 1% of the disbursed loan amount. Processing fee paid/deducted is non-refundable

Foreclosure / Partial prepayment charges

Upto 4% of the outstanding amount.
Foreclosure or partial prepayment allowed only after 6 months from the date of Personal Loan disbursement(after 12 months of loan disbursal date for Balance Transfer cases).

Cheque Return charges*

INR 350

Cheque Swap charges

INR 250

Late payment charges*

2% over the applicable interest rate on the delayed instalments plus INR 250 for each late payment

* The bank reserves the right to levy cheque return and late payment charges..

 

Note: The Personal Loans tariff and charges are scheduled to be revised w.e.f 01 January 2016. Refer below table for proposed revision.

Service Charges

Revised tariff effective 01 January 2016

Personal loan processing charges

Up to 2.5% of the disbursed loan amount. Processing fee paid/deducted is non refundable

Foreclosure / Partial prepayment charges

Up to 3.75% of the outstanding amount
Foreclosure or partial prepayment allowed only after 6 months from the date of Personal Loan disbursement(after 12 months of loan disbursal date for Balance Transfer cases).

Foreclosure fee on Personal Loans to HSBC & HSBC Group staff.

1% of the outstanding. 
If the individual is no longer a staff when the loan is being foreclosed the regular foreclosure fee of 3.75% on the outstanding amount will apply.

Cheque Return charge

NIL

Cheque Swap charges

NIL

Late payment charges

NIL

Note
Please note that as per recent directive in the Union budget 2016, from 1 June 2016, the effective rate of tax would be 15% (Service tax of 14%, Swachh Bharat and Krishi Kalyan Cess of 0.5% each) and will be applicable on all our fees and charges. 

Fees and charges are subject to change at the sole discretion of the Bank and will be intimated to customer atleast a month prior to the same being applicable.

Customers shall be provided with authenticated copies of all the loan documentsexecuted by them along with a copy each of all enclosuresquoted in the loan document free of costat the time of disbursement of loan.. For further information please contact the HSBC Contact Center.

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