Personal Loan Charges
Processing Fees	Fees are the prerogative of the banks it is usually deducted from the loan amount. This fee normally ranges from 1% to 3% on the disbured loan amount + applicable service tax on the fee. As of now the service tax is 10.30%
Part Payment Charges	In Personal Loans most of the banks do not allow part payment of their loans but some do. This condition has to be checked with the respective lending bank.
Fore Closer Charges	Most of the banks do not allow fore closer for the first 6 months after the loan is disbursed. Majority of them charge pre payment penalty. The Fore Closer Penalty is between 3% to 6% of the outstanding loan amount. The exact Fore Closer Penalty has to be checked with the respective lending bank.
Late Payment Penalties	When there is a delay in paying your monthly EMIs of the loan, banks charges a late payment fee with your EMIs. Late payment penalties normally range from 2% to 3% of the EMI.
Cheque Bounce Charges	Banks charges between Rs. 250-500 for every bounced cheque / ECS given for the repayment of the loan amount owing to the insufficient funds in your account.

Home Loan Charges
Processing Fees	Fees are the prerogative of the banks it is usually collected from the customer by cheque. This fee is charged on the santioned loan amount. Fee normally ranges from 0.5% to 1% + applicable service tax on the fee. As of now the service tax is 10.30%. This charge needs to be checked with the respective bank.
Part Payment Charges	In Home Loans most of the banks allow part payment at NIL charges. Their may be a lock in period for part payment. This condition needs to be clarified with the respective banks.
Fore Closer Charges	These are the charges paid to the lender on the outstanding loan amount for closing the loan prior to its tenure. Most of the banks charge fore closer penalty if not paid from own funds. This condition needs to be clarified with the respective banks.
Late Payment Penalties	When there is a delay in paying monthly EMIs of your loan, the banks charges a late payment fee with your EMIs. Late payment penalties normally range from 2% to 3% of the EMI.
Cheque Bounce Charges	Banks charges between Rs. 250-500 for every bounced cheque / ECS given for the repayment of the loan amount owing to the insufficient funds in your account.
Equity Mortgage Charges	Equity Mortgage Charges are applicable on disbursement of home loan as directed by the Maharashtra State Government. Current Equity Mortgage Charges are 0.1% of the loan amt for loan till Rs. 5 Lacs & 0.2% of the loan amt for loan above Rs.5 Lacs according to Maharashtra Tax Laws (Levy, Amendment & Validation) Act, 2009

Business Loan Charges
Processing Fees	Fees are the prerogative of the banks it is usually deducted from the loan amount. This fee normally ranges from 1% to 3% on the disbursed loan amount + applicable service tax on the fee. As of now the service tax is 10.30%
Part Payment Charges	In Business Loans most of the banks do not allow part payment but some do. This condition needs to be clarified with the particular bank respectively.
Fore Closer Charges	Most of the banks do not allow fore closer for the first 6 months after the loan is disburse. Majority of them charge pre payment penalty. The Fore Closer Penalty is between 3% to 6% of the outstanding loan amount. The fore closer penalty has to be checked with the respective lending bank.
Late Payment Penalties	When there is a delay in paying your monthly EMIs of your loan, banks charges a late payment fee with your EMIs. Late payment penalties normally range from 2% to 3% of the EMI.
Cheque Bounce Charges	Banks charges between Rs. 250-500 for every bounced cheque / ECS given for the repayment of the loan amount owing to the insufficient funds in your account.

Loan Against Property Charges
Processing Fees	Fees are the prerogative of the banks it is usually collected from the customer by cheque. This fee is charged on the sanctioned loan amount. It normally ranges from 0.5% to 2% + applicable service tax on the fee. As of now the service tax is 10.30%
Part Payment Charges	In Mortgage Loans most of the banks allow part payment till 25% of the principle outstanding at NIL charges. Their may also be a lock in period for part payment. Part Payment Charges needs to be confirmed with the respective banks.
Fore Closer Charges	Charges paid to the lender on the outstanding Mortgage Loan amount for closing the Mortgage Loan prior to its tenure. Most of the banks charge fore closer charges. Generally the Fore Closer Charges are 2% for loan closed by own funds and 4% for loan closed from other than own funds
Late Payment Penalties	When there is a delay in paying your monthly EMIs of your loan, banks charges a late payment fee with your EMIs. Late payment penalties normally range from 2% to 3% of the EMI.
Cheque Bounce Charges	Banks charges between Rs. 250-500 for every bounced cheque / ECS given for the repayment of the loan amount owing to the insufficient funds in your account.
Equity Mortgage Charges	Equity Mortgage Charges are applicable on disbursement of mortgage loan as directed by the Maharashtra State Government. Current Equity Mortgage Charges are 0.1% of the loan amt for loan till Rs. 5 Lacs & 0.2% of the loan amt for loan above Rs.5 Lacs according to Maharashtra Tax Laws (Levy, Amendment & Validation) Act, 2009

Balance Transfer Loan Charges
Processing Fees	Fees are the prerogative of the banks it is usually collected from the customer by cheque. This fee is charged on the loan amount. For Home Loan fee normally ranges from 0.5% to 1% + applicable service tax on the fee. For Mortgage Loan fee normally ranges from 0.5% to 2% + applicable service tax on the fee. As of now the service tax is 10.30%. This charges needs to be checked with the respective bank.
Part Payment Charges	In Home Loans most of the banks allow part payment at NIL charges. Their may be a lock in period for part payment. In Mortgage Loans most of the banks allow part payment till 25% of the principle outstanding at NIL charges. Their may also be a lock in period for part payment. This condition needs to be clarified with the respective banks.
Fore Closer Charges	These are the charges paid to the lender on the outstanding loan amount for closing the loan prior to its tenure. For Home Loan most of the banks charge fore closer penalty if not paid from own funds. For Mortgage Loan generally the Fore Closer Charges are 2% for loan closed by own funds and 4% for loan closed by, other than own funds. This condition needs to be clarified with the respective banks.
Late Payment Penalties	When there is a delay in paying your monthly EMIs of your loan, the banks charges a late payment fee with your EMIs. Late payment penalties normally range from 2% to 3% of the EMI.
Cheque Bounce Charges	Banks charges between Rs. 250-500 for every bounced cheque / ECS given for the repayment of the loan amount owing to the insufficient funds in your account.
Equity Mortgage Charges	Equity Mortgage Charges are applicable on disbursement of Home Loan / Mortgage Loan as directed by the Maharashtra State Government. Current Equity Mortgage Charges are 0.1% of the loan amt for loan till Rs. 5 Lacs & 0.2% of the loan amt for loan above Rs.5 Lacs according to Maharashtra Tax Laws (Levy, Amendment & Validation) Act, 2009