Services & Charges

Fee Type Amount When Payable
Processing Fee –(Processing fee paid along with loan application is non-refundable.) For Home Loan –
Total of 1.5 % of the sanctioned loan amount + Service Tax
A) 0.75% to be paid along with loan application
B) 0.75% to be paid before disbursement of loan.
For LAP -
Total of 2 % of the sanctioned loan amount + Service Tax
A) 1% to be paid along with loan application
B) 1% to be paid before disbursement of loan.
Legal, Technical & Document Verification Other Than Maharashtra Region - Rs: 3500 + Service Tax ( Non Refundable )
For Maharashtra Region - Rs.4500 + Service Tax ( Non Refundable)
At the time of disbursement
Subsequent Technical Verification(if any) Rs: 439 + Service Tax At the time of disbursement
CERSAI For Loans Below or equal 5 lakhs – Rs. 50 + Service Tax
For Loans Above 5 lakhs – Rs.100 + Service Tax
At the time of disbursement
Cheque/ECS/Direct Debit/ACH bounce (per Instument/Transaction) Rs.500 + Service Tax as and when applicable
Overdue Charges on default instalment (EMI/Pre-EMI) 2% per month on the outstanding dues as and when applicable
Recovery (Legal /Repossession & Incidental Charges) As per actual + Service Tax as and when applicable
Cheque/ECS Swapping (per set) Rs.250 + Service Tax After disbursement if applicable
Duplicate No Dues Certificate Rs.100 + Service Tax After disbursement if applicable
Copy of Property Papers Rs.200 + Service Tax minimum charge upto 20 pages. Above 20 pages Re 1 per page extra would be charged. After disbursement if applicable
Prepayment/Part Payment For Home Loan/LAP at variable rate – NIL
For LAP at fixed rate - 3% of the loan outstanding.
For Project Loan – 3% of the Loan Outstanding
 
Document Retrieval Rs. 500 + Service Tax At the time of loan closure
Custodial Fee Rs. 439 + Service Tax per month If property documents not taken within 30 days of loan closure.
Non CTS Cheque Payment Charges (for any payment towards loan) Rs. 263 + Service Tax as and when applicable
Account Maintenance Charges Rs. 43 + Service Tax At the time of payment of each EMI / PEMI
Duplicate Statement of Account Charges Rs.219 + Service Tax as and when applicable
  • All charges/fees to be paid through AHFL Branches/ AHFL Representatives by A/c payee crossed cheque in favour of "Aadhar Housing Finance Ltd."
  • Cash payments to be made ONLY against valid receipt issued by AHFL officials.
  • AHFL does NOT charge any amount over and above the charges mentioned above and will NOT be liable or responsible for making payment of any amount to unauthorized persons.
  • Govt. taxes will be charged extra in case the charge is non-inclusive of taxes.