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Interest Rates & Charges
Our Master Credit Policy has the factors affecting the risk grading/interest rate of the customers.
These factors also impact the pricing on loans.
A. Factors affecting Pricing for all products
- Loan Amount
- Loan Tenor
- Credit History
- Existing Relationship
B. Additional Factors affecting Pricing for each Product as listed below in the table
| Product | Additional Factors considered for Pricing |
| Unsecured Business Loans | Location of the Borrower (City Tier), Audited Financials / GST Status |
| Salaried Personal Loans | Job / Employer Classification, Salary Band |
| Gold Loans | Ornament Type, Gold Purity |
| Vehicle Loans (CV, CE, TRL, TW) | Asset Vintage, Asset Type, Customer Segmentation, Asset OEM Partnership |
| Sales Finance (CD, DPL, LSL) | Asset OEM Partnership |
| LAP / LARR / EBL | Applicant Profile, Collateral Type, Collateral Location |
| Product | Interest Rate (p.a.) |
| Commercial Vehicles Loan | 9.50% to 26.00% |
| Construction Equipment Loan | 9.50% to 20.00% |
| Tractor Loan | 12.50% to 24.00% |
| Auto Loan | 9.50% to 26.00% |
| Two Wheeler Loan | 14.00% to 32.00% |
| Loan against Gold | 10.50% to 25.00% |
| Loan Against Securities | 10.00% to 18.00% |
| Micro Loans | 20.00% to 26.00% |
| Consumer Durable Loan | 12.50% to 43.00% |
| Digital Product Loan | 12.50% to 43.00% |
| Lifestyle Product Loan (including Express Loans -EXPL) | 12.50% to 43.00% |
| Loan Against Property/Rent Receivables | 8.75% to 19.00% |
| Enterprise Business Loan | 8.75% to 19.00% |
| Relationship Personal Loan | 18.00% to 36.00% |
| Salaried Personal Loan | 11.00% to 24.00% |
| Secured Personal Loan | 13.00% to 30.00% |
| Business Loans | 13.00% to 30.00% |
| Other Unsecured Loans (including Digital loans, Fintech partnership loan etc) | 14.00% to 42.00% |
The Rate of Interest on your loan will be based on the parameters specified in the Interest Rate Policy of the Company, which is available on the website of the Company.
Floating Rate of Interest, when applicable to the loan facility, shall mean the Floating Reference Rate (FRR) applied to the facility with spread (if any) as specified in the Loan Agreement.
FRR is reset every Quarter, on the 1st of April, 1st of July, 1st of October, 1st of January of every year.
FRR as on April 1st, 2026: 19.00% per annum
FRR as on January 1st, 2026: 19.05% per annum
Next revision Date: July 1st, 2026
All Customers who are under FRR and want to shift to MRR can visit nearest HDBFS Branch.
Monthly Reference Rate , when applicable to the loan facility, shall mean the Monthly Reference Rate (MRR) applied to the facility with spread (if any) as specified in the Loan Agreement.
MRR is reset every Month, on the 15th of every Month.
MRR as on April 15th, 2026: 19.00% per annum
All Customers who are under FRR and want to shift to MRR can visit nearest HDBFS Branch.
Personal Loan
Fees & charges applicable on Personal Loan products
| Charge | Amount |
|---|---|
| Application Fee (Upto Rs / per Asset)* | Upto Rs. 3,500 |
| Loan Processing Fee (Upto as % of loan amount) | Upto 5.90% |
| Cheque / ACH Bounce Charges (in Rs. per instance) | Rs. 885 |
| Delayed Installment Payment Charge (rate per annum) | 35.40% |
| PDC / ACH Swap Charges ( (in Rs. per instance) | Rs. 590 |
| Statement of Account Charges — Through Mobile App & Web App | NIL |
| Statement of Account — Through Other Channels (in Rs. per instance) | Rs. 590 |
| Document Retrieval Charges (in Rs. per instance) | Rs. 885 |
| Copy of Documents (issued at the time of loan disbursement in Rs.) | Rs. 590 |
| Loan Cancellation Charges (in Rs. per instance) | Rs. 1,180 |
| Pre-payment Charges (Upto as % of Principle outstanding) | Upto 4.72% |
| Installment Collection Charges (in Rs. per instance) | Rs. 236 |
| Reschedulement Charges (Upto as % of loan outstanding) | 1.18% |
| Loan Recall Notice Charges (in Rs. per instance) | Rs. 2,360 |
| Documentation charges (Upto as % of loan amount) | Upto 3.54% |
| Stamp Duty | As per actuals |
Loan Against Property (LAP)
Fees & charges applicable on LAP / LARR products
| Charge | Amount |
|---|---|
| Application Fee (Upto Rs. / per Asset)* | Upto Rs. 7670 |
| Loan Processing Fee (Upto as % of loan amount) | Upto 2.36% |
| Cheque / ACH Bounce Charges (in Rs. per instance) | Rs. 885 |
| Delayed Installment Payment Charge (rate per annum) | 35.40% |
| PDC / ACH Swap Charges (in Rs. per instance) | Rs. 590 |
| Statement of Account Charges — Through Mobile App & Web App | NIL |
| Statement of Account — Through Other Channels (in Rs. per instance) | Rs. 590 |
| Document Retrieval Charges (in Rs. per instance) | Rs. 885 |
| Copy of Documents (issued at the time of loan disbursement in Rs.) | Rs. 590 |
| Loan Cancellation Charges (in Rs. per instance) | Rs. 8,850 |
| CERSAI Fees (per property in Rs.) | Rs. 118 |
| Pre-payment Charges (Upto as % of Principle outstanding) | Upto 4.72% |
| Installment Collection Charges (in Rs. per instance) | Rs. 236 |
| Repossession Charges (Upto in Rs.) | RS. 1,50,000 |
| Reschedulement Charges (Upto as % of loan outstanding) | 1.18% |
| Loan Recall Notice Charges (in Rs. per instance) | Rs. 2,360 |
| Documentation charges (Upto as % of loan amount) | Upto 3.54% |
| Custody Charges (in Rs. per month) | Rs. 1,000 |
| LAP Credit Line maintenance charges (as % of Credit Lin amount charges per quarter) | 0.50% |
| Stamp Duty | As per actuals |
Enterprise Business Loan (EBL)
Fees & charges applicable on EBL products
| Charge | Amount |
|---|---|
| Application Fee (Upto Rs / per Asset)* | Upto Rs. 7670 |
| Loan Processing Fee (Upto as % of loan amount) | Upto 2.36% |
| Cheque / ACH Bounce Charges (in Rs. per instance) | Rs. 885 |
| Delayed Installment Payment Charge (rate per annum) | 35.40% |
| PDC / ACH Swap Charges (in Rs. per instance) | Rs. 590 |
| Statement of Account Charges — Through Mobile App & Web App | NIL |
| Statement of Account — Through Other Channels (in Rs. per instance) | Rs. 590 |
| Document Retrieval Charges (in Rs. per instance) | Rs. 885 |
| Copy of Documents (issued at the time of loan disbursement in Rs.) | Rs. 590 |
| Loan Cancellation Charges (in Rs. per instance) | Rs. 8,850 |
| CERSAI Fees (per property in Rs.) | Rs. 118 |
| Pre-payment Charges (Upto as % of Principle outstanding) | Upto 4.72% |
| Installment Collection Charges (in Rs. per instance) | Rs. 236 |
| Repossession Charges (Upto Rs.) | Rs. 1,50,000 |
| Reschedulement Charges (Upto as % of loan outstanding) | 1.18% |
| Loan Recall Notice Charges (in Rs. per instance) | Rs. 2,360 |
| Documentation charges (Upto as % of loan amount) | Upto 3.54% |
| Custody Charges (in Rs. per month) | Rs. 1,000 |
| Stamp Duty | As per actuals |
Consumer Durable / Digital Product Loan (CDL / DPL)
Fees & charges applicable on CDL and DPL products
| Charge | Amount |
|---|---|
| Loan Processing Fee (Upto as % of loan amount) | Upto 5.90% |
| Cheque / ACH Bounce Charges (in Rs. per instance) | Rs. 472 |
| Delayed Installment Payment Charge (rate per annum) | 35.40% |
| PDC / ACH Swap Charges (in Rs. per instance) | Rs. 590 |
| Statement of Account Charges — Through Mobile App & Web App | NIL |
| Statement of Account — Through Other Channels (in Rs. per instance) | Rs. 236 |
| Document Retrieval Charges (in Rs. per instance) | Rs. 885 |
| Copy of Documents (issued at the time of loan disbursement in Rs.) | Rs. 590 |
| Loan Cancellation Charges (in Rs. per instance) | Rs. 1,180 |
| Installment Collection Charges (in Rs. per instance) | Rs. 236 |
| Reschedulement Charges (Upto as % of loan outstanding) | 1.18% |
| Loan Recall Notice Charges (in Rs. per instance) | Rs. 2,360 |
| Cash Handling Charges (Upto as % of amount collected) | Upto 1.00% |
| Documentation charges | Upto 3.54% |
| Stamp Duty | As per actuals |
Gold Loan
Fees & charges applicable on Loan Against Gold jewellery
| Charge | Amount |
|---|---|
| Loan Processing Fee (Upto as % of loan amount) | Upto 5.90% |
| Cheque / ACH Bounce Charges (in Rs. per instance) | Rs. 236 |
| Delayed Installment Payment Charge (rate per annum) | 35.40% |
| PDC / ACH Swap Charges (in Rs. per instance) | Rs. 590 |
| Statement of Account Charges — Through Mobile App & Web App | NIL |
| Statement of Account — Through Other Channels (in Rs. per instance) | Rs. 236 |
| Copy of Documents (issued at the time of loan disbursement in Rs.) | Rs. 590 |
| Pre-payment Charges (Upto as % of Principle outstanding) | 1.18% |
| Installment Collection Charges (in Rs. per instance) | Rs. 236 |
| Reschedulement Charges (Upto as % of loan outstanding) | 1.18% |
| Loan Recall Notice Charges (in Rs. per instance) | Rs. 1,180 |
| Cash Handling Charges (Upto as % of amount collected) | Upto 1.00% |
| Gold Auction Charges (per instance) | Rs. 1,770 |
| Documentation charges (Upto as % of loan amount) | Upto 3.54% |
| Custody Charges (in Rs. per month) | Rs. 1000 |
| Stamp Duty | As per actuals |
Auto Loan
Fees & charges applicable on Auto Loan products
| Charge | Amount |
|---|---|
| Application Fee (Upto Rs. / per Asset)* | Upto Rs. 5,900 |
| Loan Processing Fee (Upto as % of loan amount) | Upto 3.54% |
| Cheque / ACH Bounce Charges (in Rs. per instance) | Rs. 885 |
| Delayed Installment Payment Charge (rate per annum) | 35.40% |
| PDC / ACH Swap Charges (in Rs. per instance) | Rs. 590 |
| Statement of Account Charges — Through Mobile App & Web App | NIL |
| Statement of Account — Through Other Channels (in Rs. per instance) | Rs. 590 |
| Document Retrieval Charges (in Rs. per instance) | Rs. 885 |
| NOC Revalidation Charges (in Rs.) | Rs. 590 |
| Copy of Documents (issued at the time of loan disbursement in Rs.) | Rs. 590 |
| Loan Cancellation Charges (in Rs. per instance) | Rs. 590 |
| Pre-payment Charges (Upto as % of Principle outstanding) | Upto 4.72% |
| Installment Collection Charges (in Rs. per instance) | Rs. 236 |
| Repossession Charges (upto Rs.) | Rs. 11,000 |
| Reschedulement Charges (Upto as % of loan outstanding) | 1.18% |
| Loan Recall Notice Charges (in Rs. per instance) | Rs. 2,360 |
| Parking Charges per day (Upto Rs.) | Rs. 65 |
| Documentation charges (Upto as % of loan amount) | 3.54% |
| Stamp Duty | As per actuals |
Loan Against Securities (LAS)
Fees & charges applicable on LAS products
| Charge | Amount |
|---|---|
| Application Fee (Upto Rs / per Asset)* | Upto Rs. 5900 |
| Loan Processing Fee (Upto as % of loan amount) | Upto 2.36% |
| Cheque / ACH Bounce Charges (in Rs. per instance) | Rs. 885 |
| Delayed Installment Payment Charge (rate per annum) | 35.40% |
| PDC / ACH Swap Charges (in Rs. per instance) | Rs. 590 |
| Statement of Account Charges — Through Mobile App & Web App | NIL |
| Statement of Account — Through Other Channels (in Rs. per instance) | Rs. 590 |
| Document Retrieval Charges (in Rs. per instance) | Rs. 885 |
| Copy of Documents (issued at the time of loan disbursement in Rs.) | Rs. 590 |
| Loan Cancellation Charges (in Rs. per instance) | Rs. 5,900 |
| Pre-payment Charges (Upto as % of Principle outstanding) | Upto 4.72% |
| Installment Collection Charges (in Rs. per instance) | Rs. 236 |
| Reschedulement Charges (Upto as % of loan outstanding) | 1.18% |
| Loan Recall Notice Charges (in Rs. per instance) | Rs. 2,360 |
| Documentation charges (Upto as % of loan amount) | Upto 3.54% |
| Stamp Duty | As per actuals |
Commercial Vehicle / Equipment Loan (CV / CEL)
Fees & charges applicable on CV and CEL products
| Charge | Amount |
|---|---|
| Application Fee (Upto Rs / per Asset)* | Upto Rs. 5,900 |
| Loan Processing Fee (Upto as % of loan amount) | Upto 3.54% |
| Cheque / ACH Bounce Charges (in Rs. per instance) | Rs. 885 |
| Delayed Installment Payment Charge (rate per annum) | 35.40% |
| PDC / ACH Swap Charges (in Rs. per instance) | Rs. 590 |
| Statement of Account Charges — Through Mobile App & Web App | NIL |
| Statement of Account — Through Other Channels (in Rs. per instance) | Rs. 590 |
| Document Retrieval Charges (in Rs. per instance) | Rs. 885 |
| NOC Revalidation Charges (in Rs.) | Rs. 590 |
| Copy of Documents (issued at the time of loan disbursement in Rs.) | Rs. 590 |
| Loan Cancellation Charges (in Rs. per instance) | Rs. 590 |
| Pre-payment Charges (Upto as % of Principle outstanding) | Upto 4.72% |
| Installment Collection Charges (in Rs. per instance) | Rs. 236 |
| Repossession Charges (Upto in Rs.) | Rs. 25,000 |
| Reschedulement Charges (Upto as % of loan outstanding) | 1.18% |
| Loan Recall Notice Charges (in Rs. per instance) | Rs. 2,360 |
| Parking Charges per day (Upto Rs.) | Rs. 250 |
| Documentation charges (Upto as % of loan amount) | 3.54% or Rs. 2,500/- whichever is higher |
| Stamp Duty | As per actuals |
Tractor Loan
Fees & charges applicable on Tractor Loan products
| Charge | Amount |
|---|---|
| Application Fee (Upto Rs / per Asset)* | Upto Rs. 5,900 |
| Loan Processing Fee (Upto as % of loan amount) | Upto 2.36% |
| Cheque / ACH Bounce Charges (in Rs. per instance) | Rs. 885 |
| Delayed Installment Payment Charge (rate per annum) | 35.40% |
| PDC / ACH Swap Charges (in Rs. per instance) | Rs. 590 |
| Statement of Account Charges — Through Mobile App & Web App | NIL |
| Statement of Account — Through Other Channels | Rs. 590 |
| Document Retrieval Charges (in Rs. per instance) | Rs. 885 |
| NOC Revalidation Charges (in Rs.) | Rs. 590 |
| Copy of Documents (issued at the time of loan disbursement in Rs.) | Rs. 590 |
| Loan Cancellation Charges (in Rs. per instance) | Rs. 590 |
| Pre-payment Charges (Upto as % of Principle outstanding) | Upto 4.72% |
| Installment Collection Charges (in Rs. per instance) | Rs. 236 |
| Repossession Charges (Upto in Rs.) | Rs. 12,000 |
| Reschedulement Charges (Upto as % of loan outstanding) | 1.18% |
| Loan Recall Notice Charges (in Rs. per instance) | Rs. 2,360 |
| Parking Charges per day (Upto Rs.) | Rs. 80 |
| Documentation charges | 3.54% or Rs. 2,500/- whichever is higher |
| Stamp Duty | As per actuals |
Two Wheeler Loan (TW)
Fees & charges applicable on Two Wheeler Loan products
| Charge | Amount |
|---|---|
| Application Fee (Upto Rs. / per Asset)* | Upto Rs. 500 |
| Loan Processing Fee (Upto as % of loan amount) | Upto 5.90% |
| Cheque / ACH Bounce Charges (in Rs. per instance) | Rs. 885 |
| Delayed Installment Payment Charge (rate per annum) | 35.40% |
| PDC / ACH Swap Charges (in Rs. per instance) | Rs. 590 |
| Statement of Account Charges — Through Mobile App & Web App | NIL |
| Statement of Account — Through Other Channels (in Rs. per instance) | Rs. 590 |
| Document Retrieval Charges (in Rs. per instance) | Rs. 885 |
| NOC Revalidation Charges(in Rs.) | Rs. 590 |
| Copy of Documents (issued at loan disbursement) | Rs. 590 |
| Loan Cancellation Charges (in Rs. per instance) | Rs. 590 |
| Pre-payment Charges (Upto as % of Principle outstanding) | Upto 4.72% |
| Installment Collection Charges (in Rs. per instance) | Rs. 236 |
| Repossession Charges (Upto Rs.) | Rs. 3,500 |
| Reschedulement Charges (Upto as % of loan outstanding) | 1.18% |
| Loan Recall Notice Charges (in Rs. per instance) | Rs. 2,360 |
| Parking Charges per day (Upto in Rs.) | Rs. 30 |
| Cash Handling Charges (Upto as % of amount collected) | 3.00% |
| Documentation charges (Upto as % of loan amount) | Upto 3.54% |
| Stamp Duty | As per actuals |
Micro Lending
Fees & charges applicable on Micro Lending products
| Charge | Amount |
|---|---|
| Loan Processing Fee (Upto as % of loan amount) | up to 1.18% |
| Account Validation Charges (in Rs. Per Bank Account) | Rs. 5/- |
| Stamp Duty | As per actuals |
To view Fees & Charges for LAPCL product, Click here
Click here for Prepayment Request Form
Please Note:
Abbreviations Used:
- The above charges are inclusive of applicable taxes, wherever applicable
- p.m.^ = Per Month on Overdue EMI Amount/Interest Amount
- Sarfaesi Charges of up to Rs. 35000/- applicable at time of filing for all Property backed loans. All additional costs associated with recovery will be charged to the customers account.
- Processing fee is charged on Sanctioned Loan Amount.
- Illustration of Processing Fee & Delayed Installment Payment Charge for sample cases are given in annexure.
- SOA – SF Customer: Free for 1st request. Charges for subsequent request would be Rs. 200/- per request
- # Repossession charges varies from location to location depending on property, difficulty in repossession, borrower profile and other incidental charges
- Yard Parking charges are charged on per day basis
- Cash handling charges are charged on cash received from customer for Prepayment of loan for mentioned products.
- Pre-payment charges do not apply to LAP/EBL loans granted to individual borrowers under a floating interest rate
- No pre-payment charges for Gold Loans with a repayment history of more than 18 months
- Gold Valuation Charges is up to Rs. 1,180.
- In addition to above, there is documentation charges applicable for all products under Vehicle loans. This charge is up to Rs. 2500 or 3.54% of sanctioned loan amount whichever is higher
- With effect from April 01, 2024, no additional component can be added to the rate of interest in the form of 'Penal Interest'. There shall not be any additional rate of interest / premium / default interest payable on default by the borrower w.e.f. April 01, 2024.
- The delayed instalment payment charge for loans sanctioned to 'individual borrowers, for purposes other than business', cannot be higher than such charges applicable to non-individual borrowers.
- Convenience Charge up to Rs. 1500/- across all products.
Abbreviations Used:
- Loan Against Property = LAP; EBL = Enterprise Business Loans; CDL = Consumer Durables Loans; DPL = Digital Product Loan; LSL = Life Style Loans, LAS = Loan Against Securities; CV = Commercial Vehicles; CEL = Commercial Equipments Loans; TW = Two Wheeler; LAPCL = Loan Against Property Credit Line; Txn= Transaction;
- For all value figures K - Thousand; P.A.=Per Annum; p.a.=per asset; p.b.= per bounce; p.s.=per swap; p.i.=per installment; p.l.=per loan; POS = Principal Outstanding