Type of charge Applicable rates
Interest rate Starting from 8.75% p.a. (0.25-0.75% over home loan rate)
Processing fee Up to 1% of top-up amount + GST
Part-prepayment charges Zero on floating-rate loans to individuals
Foreclosure charges Zero on floating-rate loans to individuals
Legal and technical fees ₹3,000-10,000
MODT stamp duty 0.3-0.5% of top-up (varies by state)
Late payment penalty Per RBI norms