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Services & Charges

Tariff Schedule effective from 1st April, 2024

Fees/Charges Type Amount
Login Fee (Paid along with loan application non-refundable) Up to Rs.3500 Plus Applicable GST
Documentation Charges Up to Rs.2000/- to Rs.5000/- Plus applicable GST (charge varies on Loan Sanction Amount slab)
Legal, Valuation and Technical Charges Up to Rs.3000/- to Rs.5800/- Plus Applicable GST (charges varies on Loan Sanction Amount slab)
Administrative Charges (Inclusive of Documentation, Legal Valuation, Technical & CERSAI Charges - as applicable) Home Loan/Top up - Up to Rs.5100 or 1.5% Plus applicable GST on Sanction Amount whichever is higher LAP/NIP/Project Loan - Up to Rs.5100/- or 2% Plus applicable GST on Sanction Amount whichever is higher
Subsequent Technical Verification (Only In Construction Cases) Rs.500/- Plus applicable GST
Cheque/ECS/Direct Debit/ACH Bounce (Per Instrument/Transaction) Rs.500/-
Penal Charges on Default Installment - (EMI/PEMI) 24% annually Plus Applicable GST for no. of days delayed in EMI/PEMI payment from due date
Recovery (Legal/Possession & Incidental Charges) as per actual Plus applicable GST
Duplicate No Dues Certificate/ IT Certificate Rs.500/- Plus applicable GST
Copy Of Property Papers Rs.500/- Plus applicable GST
Prepayment/Part Payment • For Home Loan at variable rate – NIL • For Home Loan at Fixed rate -3% of the loan outstanding plus Applicable GST (If repayment is not through own source ) • For Non-Home Loan (Other than Business Purpose) at variable rate – NIL • For Non-Home Loan (Business Purpose) at variable rate - 3% of the loan outstanding + Applicable GST • For Non-Home Loan at Fixed rate – 3% of the loan outstanding balance plus Applicable GST • For Project Loan – 2% of the Loan Outstanding plus applicable GST
Document Handling Charges Rs.2000/- Plus applicable GST
Any Type of Statement - Statement of Account (SOA) /Foreclosure Statement / Repayment Schedule / List of Document (LOD) Rs.500/- Plus applicable GST
Switch Fees (Fixed to Floating or vice-a-versa) 3% of Loan Outstanding balance Plus applicable GST
Insurance Charges As per actuals
Loan cancellation charges after disbursement (Per loan account) For Loan Sanction up to 10 lacs -Rs.3000/- For Loan Sanction between 10 lacs-25 lacs- Rs.5000/- For loan Sanction greater than 25 lacs- Rs.10000/-
Loan against Property 15.00% to 17.00%
Re-substitution Fees 0.50% of the loan outstanding balance and undisbursed amount (if any) plus applicable GST
Cheque/ECS/Direct Debit/Ach Swapping (Per Set) Rs.500/- Plus applicable GST
Penal Charges on Delay/ non-execution of Security creation 24% annually Plus Applicable GST on loan Outstanding amount

Home Loan Interest Rates

Customer Type Home Loan Interest Rate*
Salaried - Home Loan 11.75% to 16.50%
Self-Employed - Home Loan 12.75% to 17.00%
Loan against Property 15.00% to 17.00%

* Final offered rate will depend on the income level and property being offered as security (for Loan Against Property)

Individual Housing Loan - Apr'23 to June’23

Min 9.25%
Max 20.00%
Wt. Avg 12.85%
Mean 13.45%

Individual Non-Housing Loan - Apr'23 to June’23

Min 10.50%
Max 21.50%
Wt. Avg 17.03%
Mean 17.30%

  • This is a receipt of your application. You may contact our sales executive/Branch within 5 to 6 Days for preliminary discussion or further completion of documents if deemed necessary.

  • All charges/fees to be paid through AHFL Branches/ AHFL Representatives by A/c payee crossed cheque in favour of "Aadhar Housing Finance Ltd." In case Online payment mode selected for making payment. Use AHFL website or payment link attach to your AHFL Loan A/c no.
  • The loan application will be disposed -off within a period of 4 weeks from the date of receipt of duly completed loan application i.e with all requisite information /Papers
  • 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, or any other unauthorized payment link/ website or message.
  • Applicable GST or Govt. taxes will be charged extra along with above mentioned charges as applicable.
  • Retail Prime Lending Rate (RPLR) is 17.65%  w.e.f. from 16th June, 2024.

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