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Loan Against Property Interest Rates & Charges

Processing Fee

Upto 30 lacs - 2% of finance amount +  GST

From 30 lacs - 50 lacs - 1.5% of finance amount +  GST

Above 50 lacs HE - 1% of finance amount +  GST

Above 50 lacs HE Plus - 1.25% of finance amount +  GST

Part Payment Charges

9 months lock in period.

After 9 months, A maximum of 25% of the principal outstanding is allowed by way of part prepayment during the entire tenor of the loan, with payments being made in 2 tranches at the maximum.

Penal interest/Additional Interest

3% on Overdue Amount per month + GST

Miscellaneous Charges

Bounce Charges

₹ 2000 + GST

Mandate Rejection Service Charge

₹ 450 + GST

Charges will be applicable on your EMI Due date in case the account does not have an Active mandate after the exhaustion of the given post-dated cheques. This charge would be applied every month until there is an Active Mandate linked to the account.

CCOD Annual Maintenance Charges

₹ 10,000 + GST

Application Fees

Up to ₹ 3 Cr =  ₹ 3,000 + GST

Above ₹ 3 Cr = ₹ 5,000 + GST

Statement of Accounts

Soft Copy – Nil

Branch walk in - ₹ 250 + GST

Foreclosure Charges

4% of outstanding principal + GST

Foreclosure Charges for Top Up

4% of outstanding principal + GST

Foreclosure Charges in CCOD Cases

4% of the Dropdown Limit amount + GST

Loan Cancellation Charges

₹ 25,000 + GST

Instrument Swap Charges

₹ 550 + GST

Duplicate Repayment Schedule

₹ 550 + GST

Duplicate NOC

₹ 550 + GST

Foreclosure Letter Charge

₹ 500 + GST per request

One Time Maintenance Charges

₹ 2000 + GST

Document Retrieval Charges

₹ 5000 + GST

LOD Statement  Request Charges

₹ 1000 + GST per request

Provisional Interest Certificate Request charges

₹ 200 + GST per request

Final Interest Certificate Request charges

₹ 200 + GST per request

Other Statements Request charges

₹ 500 + GST per request

Stamp Duty

At Actuals

Broken Period Interest

At Actuals

Legal & Technical Charges

Up to ₹ 1 Cr =  ₹ 6,000 + GST

Above ₹ 1 Cr = ₹ 11,000 + GST

Foreclosure within Lock-In Period

Lock-in period charges (Prevailing ROI x Principal Outstanding as on date of Foreclosure x Balance Lock-in) + Foreclosure charges (4%) + GST

Disclaimer

  • The fees/charges indicated above are subject to revision at Tata Capital’s discretion from time to time.
  • For the definitions of the above charges, please refer to the Master Terms & Conditions sheet.
  • Soft copies of documents mentioned in the table above will be provided free of cost. For hard copies, please refer to the above table for the applicable fees & charges.

WHY CHOOSE US

CUSTOMIZED PRODUCTS
MINIMUM DOCUMENTATION
EASY APPLICATION PROCESS
STRONG AFTER SALES SERVICE