Transaction | 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
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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 – 250+ST per property |
|
 | | When facility amount is greater than 5 lacs –
500+ST per property You may visit the website of CERSAI for all such charges at www.cersai.org.in |
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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. |