Fees and Charges - MITC

Home Loans Tariff Card / Fees & Charges Grid

- Applicable from 06th June’24

SCHEDULE OF CHARGES:

On Application

Sr. No. Description Fees / Charges Applicable exclusive of GST
a Application Fees (IMD) Non refundable For HL, HL Topup, HE & HE Topup: Up to Rs. 5,000/-
b Stamp Duty Charges & MOE Charges On Actuals

All applicable fees & charges are subject to levy of GST and any other tax/ surcharge as applicable and payable in addition to the fees/ charges. All Charges stated above are subject to change at the discretion of CGHFL.

The above charges are applicable w.e.f. 06th June’24.

From Disbursement

Sr. No. Details of the Fees charged Fees / Charges Applicable exclusive of GST
a Processing Fees For HL & HL Topup: Rs. 2000/-
For HE & HE Topup: 0.1% of Loan amount
b Document Handling and Administrative Charges For HL, HL Topup, HE, HE Topup – Upto 2.50%
c CERSAI charge creation Rs. 50/- for loans <= Rs. 5 lacs and Rs. 100/- for loans > Rs. 5 lacs
d Legal Opinion Charges For HL, HL Topup, HE, HE Topup: Upto 3000/-
e Legal Handling Charges (only in Balance Transfer / Resale loans) Rs. 2,000/-
f Valuation Charges Rs. 2,000/-
g Subsequent Valuation Charges (only in construction loans) Rs. 500/-
h Document Verification Charges (FCU) Rs. 750/-
i Income Estimation Charges (LIP) Rs. 1,750/- (where applicable)
j ROC Lien updation Charges Rs. 2,500/- (where applicable)
k E Sign Processing Rs. 500 (where applicable)

All applicable fees & charges are subject to levy of GST and any other tax/ surcharge as applicable and payable in addition to the fees/ charges. All Charges stated above are subject to change at the discretion of CGHFL.

The above charges are applicable w.e.f. 06th June’24.

During the Term of Loan

Sr. No. Details of the Fees charged Fees / Charges Applicable exclusive of GST
a Loan Cancellation Charges Loan Amount upto Rs 25 lacs: Rs. 5,000/-
Loan Amount >25 Lacs: Rs. 10000/
b Loan Rebooking Charges Rs. 2500/-
c PDC/ ECS/ NACH Dishonor Charges Rs. 1050/- per instance
d Penal Charges(In case of Payment Defaults) 30% P.A. of outstanding dues
e Collection Charges (Applicable only in cases of collection executive visits) Rs. 600/- per visit
f Tele collection Charges Rs 40/- per transaction
g Recovery (Legal / Possession & Incidental Charges) On Actuals
h Repayment Swapping charges Rs.1000/- per swapping
i List of Documents Retrieval (LOD) Charges Rs.1100/- per instance
j Copy of Property Papers Retrieval Charges Rs.1000/- per instance
k Duplicate No dues certificate Rs.500/-
l Document Retrieval Charges (Any Other not mentioned above) Rs. 500/- per instance
m Foreclosure/ any other Statement Charges Rs. 500/-
n ROI Conversion Charges / Switch Fees @Rs. 500/ for each Rs. 1.00 lac of loan amount irrespective of the % reduction in ROI

All applicable fees & charges are subject to levy of GST and any other tax/ surcharge as applicable and payable in addition to the fees/ charges. All Charges stated above are subject to change at the discretion of CGHFL.

The above charges are applicable w.e.f. 06th June’24.

Indicative ROI under CGHFL-RR is presented below

Loan type Built Up/ Under-construction/Plots
Home Loans, HL Top Up, Non-Home Loans (HE) & HE Top Up Upto 24%

Disclaimer:

*Interest rates mentioned above are variable in nature & is linked with RR of the company which is decided from time to time. It is further dependent on risk profile of customer - professional qualification, stability in earnings and employment, past repayment track record with us or other lenders, external ratings of customers, credit reports, customer relationship, future business opportunities and type of collateral offered etc. The current RR (reference rate) of the company is 17.50% effective from 06th June’24 .

Penal Charges: In case of payment defaults: 30% P.A. of outstanding dues will be charged. All loans are from Capri Global Housing Finance Ltd. Credit at sole discretion of Capri Global Housing Finance Ltd. Terms and conditions apply.

For detailed terms & conditions of loans under CGHFL, please refer attached MITC in the links below

Interest Rate Range for past quarter [Jan’24 to Mar’24] for loans extended to Individual borrowers

Weighted Avg [%] Max [%] Min [%] Mean [%]
Individual Housing
11.62 21.00 9.75 12.04
Individual Non-Housing
14.49 22.00 10.00 15.19

Leadership

Rajesh Sharma Managing Director

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