Schedule of Charges

On Application

Processing Fees	Housing Loan: Upto 1.75% Non-Housing Loan: Upto 2.00% An upfront login fee, if applicable, will be collected at the time of submission of the loan application. This login fee forms an integral part of the overall processing fee and will be adjusted against the same. The balance amount of the processing fee, if any, shall be payable at the time of loan disbursement. For information on the applicable login fee and processing charges, please refer to the terms of the loan application.
CERSAI Fees	Loans: <= ₹5 lacs - ₹50 Loans: > ₹5 lacs - ₹100
Collateral Evaluation Charges	Housing Loan (Resale Transactions): ₹4,200 Sammaan Loans: <= ₹35 lacs - ₹4,000 Sammaan Loans: >₹35 lacs - ₹6,000 Non-Housing Loans: <= ₹2 Cr - ₹5,000 Non-Housing Loans: >2 to <= 5 Cr - ₹10,000 Non-Housing Loans: > 5 Cr - ₹25,000 Project Finance: <= ₹5 Cr - ₹15000 Project Finance: >₹5 Cr - ₹1,00,000 or actual charges, whichever is higher
Presentation Charges	Housing loans: ₹444 Non-Housing loans: ₹313 Project Finance Loans: ₹129
Transaction Handling charges in Balance Transfer	₹2,500

Note

The above charges are exclusive of applicable taxes, if any.
All charges/fees paid by the applicant towards the review, appraisal, and processing of the loan application, including but not limited to the conduct of due diligence, verification of the applicant's credentials, and evaluation of the proposed security, are non-refundable, irrespective of the outcome of such review, appraisal, or assessment. The payment of such charges and/or fees shall not, in any manner, be construed as a commitment or assurance by IIFL HFL to sanction or disburse the loan.

During Term of Loan

Retrieval charges for Copy of loan document / Property document in IIFL custody	₹500 per instance
Retrieval charges for original property document in IIFL custody	Before Loan Closure- ₹2,000 per instance
Custodial Fee for property documents in closed loans	Custodial Fee for property documents in closed loans ₹500 Per month (post 60 Days from Loan Closure Date)
Late Payment Charges	18% per annum on the overdue loan amount
Charges for Statement of Account / Amortization Schedule	Nil
Collection Visit Charges	₹500 per instance
Cheque/ECS Swapping charges	₹500 per instance
Issuance of FC statement	₹500 per instance
Cheque / ECS Dishonor Charges	₹500 for each ECS/cheque bounce NIL on Representation of ECS / Cheque

Note

The above charges are exclusive of applicable taxes, if any.

On Foreclosure / Pre-Payment:

Home Loan During Floating ROI tenor

Individual and/or non-individual borrowers with or without co-borrower(s)

Sources of funds	Foreclosure Charges (Full Prepayment/ Loan Foreclosure)	Pre-payment Charges (Part Prepayment)
Any source of funds	N/A	N/A

Note

Loan to proprietorship shall be considered as "Loan to individual" only

Non Home Loan During Floating ROI tenor

Borrower Type	Loan Sanctioned	End Use of Loan	Foreclosure Charges (Full Prepayment/ Loan Foreclosure)	Pre-payment Charges (Part Prepayment)
Individuals	Before 1 Jan 2026	Other than business purpose	N/A	N/A
	Before 1 Jan 2026	Business purpose	Within 12 months of 1st disbursement: 5% of amount prepaid + taxesPost 12 months: 3% of amount prepaid + taxes	Within 12 months of 1st disbursement: 5% of amount prepaid + taxesPost 12 months: 1% of amount prepaid + taxes
	On or after 1 Jan 2026	Other than business	N/A	N/A
		Business purpose and loan amount upto ₹50 Lakh	N/A	N/A
		Business purpose and loan amount more than ₹50 Lakh	Within 12 months of 1st disbursement: 5% of amount prepaid + taxesPost 12 months: 3% of amount prepaid + taxes	Within 12 months of 1st disbursement: 5% of amount prepaid + taxesPost 12 months: 1% of amount prepaid + taxes
Non-Individuals (MSE)	Before 1 Jan 2026	Irrespective of end use of loan or loan amount	Within 12 months of 1st disbursement: 5% of amount prepaid + taxesPost 12 months: 3% of amount prepaid + taxes	Within 12 months of 1st disbursement: 5% of amount prepaid + taxesPost 12 months: 1% of amount prepaid + taxes
	On or after 1 Jan 2026	Other than business	Within 12 months of 1st disbursement: 5% of amount prepaid + taxesPost 12 months: 3% of amount prepaid + taxes	Within 12 months of 1st disbursement: 5% of amount prepaid + taxesPost 12 months: 1% of amount prepaid + taxes
		Business purpose and loan amount upto ₹50 Lakh	N/A	N/A
		Business purpose and loan amount more than ₹50 Lakh	Within 12 months of 1st disbursement: 5% of amount prepaid + taxesPost 12 months: 3% of amount prepaid + taxes	Within 12 months of 1st disbursement: 5% of amount prepaid + taxesPost 12 months: 1% of amount prepaid + taxes
Non-Individual (Non MSE)	Before 1 Jan 2026	Irrespective of end use of loan or loan amount	Within 12 months of 1st disbursement: 5% of amount prepaid + taxesPost 12 months: 3% of amount prepaid + taxes	Within 12 months of 1st disbursement: 5% of amount prepaid + taxesPost 12 months: 1% of amount prepaid + taxes
	On or after 1 Jan 2026
		Other than business	Within 12 months of 1st disbursement: 5% of amount prepaid + taxesPost 12 months: 3% of amount prepaid + taxes	Within 12 months of 1st disbursement: 5% of amount prepaid + taxesPost 12 months: 1% of amount prepaid + taxes
		Business purpose and irrespective of loan amount	Within 12 months of 1st disbursement: 5% of amount prepaid + taxesPost 12 months: 3% of amount prepaid + taxes	Within 12 months of 1st disbursement: 5% of amount prepaid + taxesPost 12 months: 1% of amount prepaid + taxes

Note

Loan to proprietorship shall be considered as "Loan to individual" only
For Shakthi Product, Foreclosure/ Prepayment charges are not applicable.
In respect of the loan account to which foreclosure or prepayment charges are applicable, and the Loan is fully closed as a result of full prepayment, a foreclosure charge at the rate of three percent (3%), plus applicable taxes, shall be levied on the prepaid Loan amount. The "prepaid Loan amount" shall mean and include all partial or part prepayments made during the twelve (12) months immediately preceding the date of full closure of the Loan.

Type of Charges

Legal Charges	Amount
Issuance of Dunning Notice	₹1000
Issuance of Demand Notice	₹1000
Issuance of Pre-SARFAESI Notice	₹1000
Legal Proceedings under NI Act & PASA Act	₹3000
Issuance of Demand Notice U/S 13(2) of SARFAESI Act	₹6000
Issuance of reply under U/S 13(3) of SARFAESI Act	₹2500
Issuance of Notice U/S 13(4) of SARFAESI ACT Issued	₹6000
Filing application under Section 14 of SARFAESI Act	₹6000
Execution of Section 14 order under SARFAESI Act	₹6000
Physical Possession of Asset	On Actuals
Auction proceedings (including Auction charges for Repossessed Asset)- On every Occasion	₹15000
Filing and Contesting suit or legal matter	₹50000 (per case)

ROI Switch Policy

IIFL HFL provides an option to its customers to reduce the existing rate of interest on the loan through our rate reduction/conversion scheme. Every customer can take the benefit of the scheme by paying a nominal fee and opt for either reduction of residual loan tenure or Equated Monthly Instalment or both.

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Eligibility Criteria

Type of Loan	Tenure	Switch Fee
Normal Home Loans	6 months from the date of disbursement	₹5000
Swaraj Home Loans	6 months from the date of disbursement	₹5000
Home Equity Loan	12 months from the date of disbursement	If foreclosure charges are applicable then, 50% of difference in Proposed and Existing ROI of Outstanding Principal Value or ₹5000/- (Whichever is Higher) else if foreclosure charges are not applicable then, 25% of difference in New and Existing ROI or ₹5000/- (Whichever is Higher)
Sammaan Loans	12 months from the date of disbursement	50% of difference in Proposed and Existing ROI of Outstanding Principal Value or ₹5000/- (Whichever is Higher)

Fees will be paid upfront prior to conversion and is subject to applicable taxes.
Any outstanding dues need to be cleared prior to ROI conversion
The contents of the above policy are subject to change from time to time and the levy of the same shall be at such rates as may be applicable as on the date of such charge.
The Company reserves the right to amend or modify the aforementioned SOC charges at its sole discretion, in accordance with prevailing business practices, and subject to the prior approval of the MD & Chief Executive Officer (CEO) and the Senior Management of the organization.

Last updated: 1st January 2026

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