Khushi Home Loans

SCHEDULE OF CHARGES - KHUSHI HOME LOAN
Nature of Charges Description of Charges

Pre Disbursement
Login Fee Rs. 2000/-

2% or Rs. 10000/- whichever is higher
Processing Fee (Rs. 7500/- is non-refundable in case the disbursal has not
been availed). The fee is inclusive of login fee.
Equitable Mortgage Creation/Stamp
At Actuals as per state laws applicable from time to time
Duty/Other Statutory Charges
Post Disbursement
Standing Instruction (SI) to NACH - Rs. 500/-
Repayment Mode Swap Charges NACH Swap (to New Bank) – Rs. 500/-
NACH to Standing Instruction – NIL

Rs.2000/- (In the event of cancellation, in addition to
cancellation charges, Interest would be charged for the
Loan cancellation/Re-booking Charges
interim period between date of disbursement & date of loan
cancellation and will be borne by the borrower)
Rs 250/- per request (Physical mode or via Branch)
Repayment Schedule/Amortisation
Schedule Charges
NIL - on registered e-mail id
Duplicate No Due Certificate/ No Objection
Rs. 100/- per certificate
Certificate
Rs 250/- per statement (Physical mode or via Branch)
Statement of Account/Loan Account
Statement Charges
NIL - on registered e-mail id
Document retrieval charges (per
Rs. 500/- per instance
advice) (Photocopy/scanning, etc)
EMI cycle date change Rs. 500/- per request
List of Title Documents (LOD) Rs. 500/- per instance
Legal/Incidental/Repossession/Collection
At actuals
Charges
Floating to Prevailing Fixed rate - 0.5% of the loan amount
outstanding
Fixed to Prevailing Floating rate - 1% of the loan amount

Conversion/Switch charges outstanding
(Only if the same is permitted by the bank at
the time of request) Higher Floating rate to Lower Floating rate - 0.5% of the
loan amount outstanding
Higher Fixed rate to Lower Fixed rate - 1% of the loan

amount outstanding
0.1% of the outstanding loan amount subject to a minimum

Property Swapping/Part Property release
of Rs. 10000/-
Nil for floating rate loans.
Part Pre-payment Charges
4% on the principal outstanding for fixed rate loans/during
fixed interest rate period for semi-fixed rate loans.
On Foreclosure
Nil for floating rate loans.
Foreclosure Charges
4% on the principal outstanding for fixed rate loans/during
fixed interest rate period.
Foreclosure Statement Charges Rs. 100/- per request
Penalty for Delayed Payments/ Non-Compliance of Material Terms & Conditions

At contractual Rate for overdue amount/period after 30
Late Payment Fees/Penal Charges
days grace period
Cheque Bounce/Return Charges Rs. 750/- per presentation
Charges For Non-Submission of Post
Rs. 1000/- p.m. until all PDDs are submitted
Disbursement Documents (PDD)
Submission* of the following PDDs to the satisfaction of the
Bank**, is a part of Material Terms & Conditions:-
Title documents - Sale Deed, Agreement for Sale, Perpetual

Lease Deed, Registered Lease Deed, Conveyance Deed,
Transfer Deed, Settlement Deed, Release Deed, Rectification
Deed, Transfer Memorandum, Gift Deed, Partition Deed,
Material Terms and Conditions# Relinquishment Deed, Exchange Deed.
*Delay in submission of PDDs shall attract Charges For Non-

Submission of Post Disbursement Documents.
**Documents with discrepancies will not be considered and will

also attract PDD Pendency Charges.
Note:
• Date on which annual outstanding balance statement will be issued – On Demand
• GST and other government charges, taxes, levies, etc. applicable as per prevailing rate will be charged
over and above these charges.
• Processing/Login Fee (wherever applicable) is non-refundable if loan is not sanctioned/disbursed.
• Any service charges, not mentioned above, will be charged at actuals.
• Existing YES Bank Home Loan customers who wish to switch their loans from Base Rate/Marginal Cost
of Funds based Lending Rate (MCLR) reference rate/External Benchmark linked to 6 month CD Rate to
External Benchmark linked to Repo Rate may approach the nearest Branch or may write to us at
[email protected]
• The applicable External Benchmark for the Bank will be detailed in the facility Sanction letter & the
relevant schedule of the loan agreement. In the event of any change in the applicable external benchmark,
the borrower shall be notified via email/letter/SMS of the revised interest rate within 30 days of the
revised interest rate becoming applicable.
• Yes Bank's External Benchmark is linked to Repo Rate as published by Reserve Bank of India (RBI) as
reference rate for external benchmarking. For applicable External Benchmark, please visit
https://www.yesbank.in/pdf/lending_rate
• # Above charges are subject to change from time to time and are exclusive of GST. The list of documents
above is a non-exhaustive list, subject to change from time to time basis Bank’s internal
guidelines/Regulatory Guidelines/ Title Search Reports ( for mortgage backed loans), which are States’
specific.
Version control no. AFHL_SOC_March2024

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SCHEDULE OF CHARGES - KHUSHI HOME LOAN

Nature of Charges Description of Charges

Login Fee Rs. 2000/-

Standing Instruction (SI) to NACH - Rs. 500/-

NACH to Standing Instruction – NIL

Fixed to Prevailing Floating rate - 1% of the loan amount

Higher Fixed rate to Lower Fixed rate - 1% of the loan

0.1% of the outstanding loan amount subject to a minimum

Foreclosure Statement Charges Rs. 100/- per request

Penalty for Delayed Payments/ Non-Compliance of Material Terms & Conditions

Title documents - Sale Deed, Agreement for Sale, Perpetual

*Delay in submission of PDDs shall attract Charges For Non-

**Documents with discrepancies will not be considered and will

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