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DHFL Loan Against Property - Fees and Charges


Interest Rates & Service Charges from DHFL Mortgage Loans

Most new investments often require you to take crucial decisions, in order, to acquire benefits in the long run. In cases, where you run out on funds, you could help yourself by mortgaging what’s yours. While mortgaging your assets, it is essential to select a loan which offers the best Mortgage Loan interest rate.

We, at DHFL, offer you Mortgage Loans with the best interest rates as well as offer you a Loan Against Property interest rate which can serve as a solution to almost any financial dilemma that you might be facing. Our loan schemes will also let you stay at ease during your repayment tenure.

DHFL Mortgage Loan Interest Rates (Re-substitution charges):

Loan Type

Rate of interest (Salaried /SEP/SENP)

Loan Against Plot


Lease Rental Discount


Loan Against Property / Top Up


The financial worth of your home can be leveraged while enjoying continuous occupancy. A loan ranging from `15 lakh to `10 crores can be availed at a Mortgage Loan interest rate that is extremely beneficial.

Sr. No

Charges Description




Processing Fees (Non-Refundable)

Salaried/Self Employed: 0.5% to 2% + Service Tax (case to case basis)
Minimum login fee *` 15, 000 + Service Tax or 1% of loan application value + Service Tax, whichever is lower
*Remaining processing fees will be collected before loan disbursement.



CERSAI Registry / Modification Charges

` 50 + Service Tax for loans up to ` 5 lac
` 100 + Service Tax for loans above ` 5 lac



Valuation 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: ` 500 for first visit and
` 750 for subsequent visits + Service Tax



Valuation Fees in construction-linked loans

First visit: No charges
Subsequent visits: ` 500 + Service Tax



Part-Prepayment Charges

Rate of Interest-Type

Disbursement Stage

Charges Applicable


Within 6 months
from 1st disbursement

No prepayment allowed

After 6 months

Borrower/ co-borrower is Individual

No Charges

Borrower/ co-borrower is other than Individual

3% + Service Tax

5 (a)

Foreclosure charges

Rate of Interest-Type

Disbursement Stage

Charges Applicable


Within 6 months from 1st disbursement

No foreclosure allowed

After 6 months


Own Source

No Charges

Borrower/co-borrower is individual


Balance Transfer


Borrower/co-borrower is other than individual

3% + Service Tax

Balance Transfer


Cheque/ECS bounce charges

` 250 + Service Tax


Bank Charges on Cheque/ECS Bounce

At actual


Overdue charges on default instalment (EMI/Pre-EMI)

18% per annum on the outstanding dues


Demand Draft/Pay Order issuance Charges

` 150 + Service Tax per lac or actual bank charges, whichever is higher.


Cheque/ECS swapping charges (per set)

` 250 per swap + Service Tax


Collection pickup charges

` 250 per visit + Service Tax


Conversion charges**

a. 0.5% of principal outstanding for loans up `75 lac
b. 0.5% of principal outstanding for loans above `75 lac


  Conversion scheme can be availed only after 1 year from the date of disbursement.
  Conversion scheme is not applicable for loans sanctioned under Land Loans, Easy  Land Cum Construction Loans and/or Composite Loan (for only those cases where construction is still not done) and for Surrogate Products


Legal charges

Applicable on case to case basis


Non-encumbrance certificate

At actual


Recovery charges

At actual


Stamp duty/ Franking charges

As per applicable law/charges of the relevant property state


Duplicate no dues certificate

` 250 + Service Tax


Copy of property documents

` 500 + Service Tax


Statement of account/ provisional IT certificate

1st : No chargesSubsequent : ` 250 + Service Tax


Custodial fee for property documents in closed loans

` 500 + Service Tax per month (post 60 days from loan closure date)


Document retrieval charges on closure of loan

` 1,000 + Service Tax for loans up to ` 10 lac
` 2,000 + Service Tax for loans above ` 10 lac


Foreclosure statement

` 500 + Service Tax


Cheque/ECS Bounce Charges

As per the applicable Bank Rate


Duplicate Certificate Charges

`100 + Service Tax


Duplicate Accounts Statement/Receipt

`100 + Service Tax


Contract Amendment Charges

`100 + Service Tax



Loan Application Form



Duplicate Fixed Deposit Receipt

No charges for first time,
Second time onwards: `100 + Service Tax


Annual EHLD Payment Certificate

No charges for first time,
Second time onwards: `200 + Service Tax

Every individual at some point in life comes across a situation where they need additional funds to invest in a new property or a business. For this purpose, one can avail of the various Mortgage Loans available that will help them financially.

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Loan Against Property belongs to the secured loan category where the borrower gives a guarantee by using his property as security. Banks and financial institutions offer this LAP, which can either be a residential/commercial building or a piece of land.


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