Fee and Schedule for Home Loans

Effective from – 10th May 2022

Fee Description Amount (Exclusive of GST)

Pre-Disbursal Charges
NIL (Home Loan)
Processing Fee
Up to 2% of the loan amt (LAP)
NIL (Home Loan)
Legal and Valuation Charges
Rs 5,000 (LAP)
Login Fees NIL
Administrative Fee NIL
SRO Search Charges NIL
Property Swapping Rs. 15,000
Post Dated Cheque/ECS/NACH Swapping Charges NIL
Loan Cancellation charges Rs. 15,000
Documentation Charges
Retrieval charges for copies of loan /property document in NIL
custody
IT Exemption/Rebate Certificate NIL
Loan Statement NIL
No Due Certificate NIL
CIBIL Query Charges NIL
CERSAI Charges NIL
Late Fee Charges
Cheque Bounce Rs. 500
EMI Bounce Charges Rs. 3,000
Penal Interest 2% per month for the outstanding EMIs
Pre-payment / Foreclosure / Balance Transfer Charges
Pre-payment, Foreclosure – Floating Rate home loan NIL
Pre-payment, Foreclosure – Fixed Rate home loan 2% of the amount pre-paid during the
period of applicability of the Fixed Rate of
interest
Pre-payment, Foreclosure – Loan against property (if NIL
floating rate LAP sanctioned for non-business purpose)
Pre-payment, Foreclosure – Loan against property (if LAP 2% of the amount pre-paid
sanctioned for business purpose)
Pre-payment, Foreclosure – Fixed Rate LAP 2% of the amount pre-paid during the
period of applicability of the Fixed Rate of
interest
Rate Change
Fixed to Floating Up to 0.25% of the Principal Outstanding
and undisbursed amount (if any) at the

Navi Finserv Limited

E: corporate_finserv@navi.com Formerly known as Chaitanya Rural Intermediation Development
Services Private Limited
T: +91 8951904682
Ground Floor, Salarpuria Business Center, 93, 5th A
www.navifinserv.com
Block, Koramangala Industrial Layout, Bengaluru –
CIN: U65923KA2012PLC062537 560 095, Karnataka, India.

Floating to Fixed
Reduction in Floating Rate (same product variant)
Switch between different product variants (e.g. floating
external linked to floating internal linked)
Other Charges
Suit, Legal, Recovery Charges
Recovery charges for over-due collections
Visit charges
Retrieval of property documents in original (except at the
time of loan closure)
Certification of the documents submitted to Navi
time of Conversion or a cap of ₹25,000
plus taxes whichever is lower
Up to 0.25% of the Principal Outstanding
and undisbursed amount (if any) at the
time of Conversion or a cap of ₹25,000
plus taxes whichever is lower
Up to 0.25% of the Principal Outstanding
and undisbursed amount (if any) at the
time of Conversion or a cap of ₹25,000
plus taxes whichever is lower
Up to 0.25% of the Principal Outstanding
and undisbursed amount (if any) at the
time of Conversion or a cap of ₹25,000
plus taxes whichever is lower
On Actuals
Rs. 200 per visit
ZERO
Rs. 2,000 per request
Rs. 500 per request

Navi Finserv Limited

E: corporate_finserv@navi.com Formerly known as Chaitanya Rural Intermediation Development
Services Private Limited
T: +91 8951904682
Ground Floor, Salarpuria Business Center, 93, 5th A
www.navifinserv.com
Block, Koramangala Industrial Layout, Bengaluru –
CIN: U65923KA2012PLC062537 560 095, Karnataka, India.