Home Loan Interest Rates & Charges

Home Loan Interest Rates

Are you wanting to purchase the house of your dreams?

DHFL offers you the best home loan rates that will help you maintain your monthly budget.

Our current Retail Prime Lending Rate (RPLR) is 19.42%

Existing SME customersClick here to view the tariff schedule

Existing Mortgage Loan customersClick here to view the tariff schedule

Click here to download the Mock MITC format

Click here to download Declaration Part Disbursement cases


Home Loan Tariff Schedule

Sr No.Charge DescriptionCharge Amount
 Processing Fees (Non-Refundable)Loan AmountMinimum Login Fees
1Salaried/Self Employed Professional (SEP)0.5% + Applicable GSTRs. 2,500 or processing fee applicable whichever is lower + Applicable GST
Above Rs. 30 Lakh up to Rs. 75 Lakh: Rs. 10,000 + document charges + Applicable GST
Above Rs. 75 Lakh : Rs. 20,000 +document charges + Applicable GST
 Self Employed Non Professional (SENP)Net PAT: 0.5% + Applicable GST Others : 1.0% + Applicable GST
2CERSAI Registry / Modification ChargesRs. 50 + Applicable GST for loans upto Rs. 5 Lakh
Rs. 100 + Applicable GST for loans above Rs. 5 Lakh
3Technical Fees (for additional property or property situated outside geographic limit or for pre technical)a. Within 60 km radius: No charges
b. Beyond 60 km: Rs. 500 + Applicable GST for first visit and Rs. 750 + Applicable GST for subsequent visits
4Valuation fee in Construction Linked Loan casesFirst visit: No charges.
Subsequent visits: Rs. 500 + Applicable GST
5Part-Prepayment ChargesRate of Interest -TypeDisbursement StageCharges Applicable
Fixed / Variable
Borrower/ co-borrower is IndividualNo Charges
Borrower/ co-borrower is other than Individual2% + Applicable GST
5 (a)Foreclosure chargesRate of Interest -TypeDisbursement StageCharges Applicable
Fixed / VariableOwn SourceNo Charges
Borrower/co-borrower is individual
VariableBalance Transfer
Fixed/ VariableBorrower/co-borrower is other than individual2% + Applicable GST
Balance Transfer
5 (b)Prepayment Charges (Plot Loans/Easy Land Cum Construction Loans)3% + Applicable GST in case the dwelling unit is not constructed on the plot within 3 years from the date of first disbursement of the loan. (Borrower/co-borrower is other than individual)
6Cheque/ECS bounce chargesRs. 500 + Applicable GST
7Bank Charges on Cheque/ECS BounceAt actual
8Overdue Charges on default installment (EMI/Pre-EMI)18% Per annum on the outstanding dues.
9Demand Draft/Pay Order issuance chargesRs. 150 per Lakh or actual bank charges, whichever is higher + Applicable GST.
10Cheque/ECS swapping charges (per set)Rs. 250 + Applicable GST per swap
11Collection pickup chargesRs. 250 per visit + Applicable GST
12Legal ChargesLegal charges as applicable on case to case basis
13Non-encumbrance certificateAt actual
14Recovery chargesAt actual
15Stamp duty/ Franking chargesAs per applicable law/charges of the relevant property state
16Duplicate No Dues CertificateRs. 250 + Applicable GST
17Copy of property documentsRs. 500 + Applicable GST
18Statement of account/ provisional IT certificates1st : No charges
Subsequent : Rs. 250 + Applicable GST
19Custodial Fee for property documents in closed loansRs. 500 Per month (post 60 Days from Loan Closure Date) + Applicable GST
20Document retrieval charges on closure of loanRs. 1,000 + Applicable GST for loans upto Rs. 10 Lakh,
Rs. 2,000 + Applicable GST for loans above Rs. 10 Lakh
21Foreclosure statementRs. 500 + Applicable GST

Pursuant to the State and Central Government advisories on COVID-19, and keeping in view the safety of our customers and employees, some of our branches and offices will remain closed till further notice. We are working with minimum staffing and there may be instances of delays in service due to this.

We at DHFL, offer you affordable and flexible home loans that can turn your dream of owning a home into reality. DHFL will ensure that financial restraints do not come your way, while you purchase your very own dream home. So do not hesitate to take our help and invest in a lifetime of happiness for yourself.

*Terms and conditions apply. Limited Period Offer