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  • DHFL Home Loans Processing Fees & Charges

    Processing Fees Rs.5,000 onwards + document charges + GST
    Interest Rate 9.50% p.a. onwards
    Maximum Tenure 30 years

    Types of DHFL Home Loans and Their Processing Fees:

    DHFL offers different types of home loans designed to meet the varied needs of its customers. You can avail DHFL home loans for the purchase of a home, expansion or renovation of your current home, or to buy a land for the purpose of constructing a house.

    Below are the types of home loans offered by DHFL:

    • New Home Loans
    • Plot Loans
    • Home Construction Loans
    • Home Loan Balance Transfer
    • Home Extension Loans
    • Home Renovation Loans
    • Plot and Construction Loans
    • NRI Home Loans
    • Pradhan Mantri Awas Yojana

    The breakup of DHFL home loan processing fees is as below:

    Processing Fees(Non-Refundable) Loan Amount
    Salaried/Self-Employed Professional (SEP) Rs.30 Lakh: Rs.5,000 + GST + document charges
    Between Rs.30 Lakh and Rs.75 Lakh: Rs.10,000 + GST + document charges
    Above Rs.75 Lakh: Rs.20,000 + GST + document charges
    Self-Employed Non-Professional (SENP) Net PAT: 0.5% + GST
    Others: 1.5% + GST
    *Please note that DHFL charges a minimum login fee of Rs.2,500 or the applicable processing fee, whichever is lower + GST.

    DHFL Home Loan Other Charges:

    DHFL levies several other charges when you avail a home loan from the housing finance company. Below is a table with all the charges and fees related to DHFL home loans:

    Type of Charges Amount
    CERSAI Registry/Modification Up to Rs.5 Lakh: Rs.50 + GST
    Above Rs.5 Lakh: Rs.100 + GST
    Technical Fees (Charged towards additional property or property located outside geographic limit or levied for pre-technical) Within 60 km: No charges
    Beyond 60 km: Rs.500 for the first visit and Rs.750 for subsequent visits + GST
    Valuation Fee (Construction Linked Home Loans) First Visit: No charges
    Subsequent Visits: Rs.500 + GST
    Part-Payment Charges Within 6 Months: No prepayment allowed
    After 6 Months: No charges if the borrower/co-borrower is Individual and 2% + GST if borrower/co-borrower is other than Individual
    Foreclosure Charges Within 6 Months: No foreclosure allowed
    After 6 Months: No charges on fixed interest rate, if it’s foreclosed with own source/borrower or co-borrower is individual; In case of a variable interest rate, balance transfer is allowed with no charge. 2% + GST is applicable on balance transfer or borrower/co-borrower is other than Individual (both fixed and variable interest rate).
    Prepayment Charges (Land Loans/Easy Land and Construction Loans) 3% + GST if the house is not constructed on the land within 3 years from the date of 1st disbursement of the home loan (borrower/co-borrower is other than Individuals)
    ECS/Cheque Bounce Rs.500 + GST
    Bank Charges on ECS/Cheque Bounce At actual
    Overdue Charges on Default EMI/Pre-EMI 18% p.a. on the outstanding home loan amount
    ECS/Cheque Swapping (Per Set) Rs.250 + GST on each swap
    Pay Order/DD Issuance Rs.150/Lakh or actual bank charges (whichever is higher) + GST
    Legal Applicable on case-to-case basis
    Collection Pickup Rs.250/visit + GST
    Recovery At actual
    Non-Encumbrance Certificate At actual
    Stamp Duty/Franking Charges As per applicable law
    Copy of Property Documents Rs.500 + GST
    Duplicate No Dues Certificate Rs.250 + GST
    Custodial Fee for Property Documents (Closed Loans) Rs.500 per month (after 60 days from the loan closure date) + GST
    Statement of Account/Provisional IT Certificates 1st Instance: No charges
    Subsequent: Rs.250 + GST
    Foreclosure Statement Rs.500 + GST
    Document Retrieval Charges on Closure of the Loan Rs.1,000 + GST for loans up to Rs.10 Lakh Rs.2,000 + GST for loans above Rs.10 Lakh


    1. Who can be an applicant of a home loan?

      To avail a DHFL home loan, you must qualify in the below parameters:

      • You must be an Indian resident or a Non-Resident of India (NRI).
      • You must be above 21 years of age at the start of the loan and below 65 years of age when the home loan matures.
      • You must be either salaried or self-employed.
    2. What is daily/monthly/yearly reducing balance method of interest rate calculation?

      Interest rates are dynamic in nature and fluctuate due to market conditions. In India, home loan interest rates are calculated on a daily/monthly/yearly reducing balance method.

      • Daily Reducing Balance: The principal amount declines from the day you pay the Equated Monthly Installment (EMI).
      • Monthly Reducing Balance: As you pay EMI every month, the principal amount reduces every month.
      • Yearly Reducing Balance: At the end of the year, the principal amount reduces. Hence, you pay interest amount even on the portion of the principal that you’ve paid off.
    3. What is the difference between a fixed rate and a floating rate of interest?

      While in the scenario of a fixed rate of interest, the rate remains the same during the tenure of the home loan, in the case of a floating rate of interest, the rate could fluctuate due to market conditions.

    4. What is an EMI?

      Equated Monthly Instalment (EMI) is a set amount payable to the bank or the lender every month until the completion of the home loan tenure. EMI includes the interest amount and the principal amount.

    5. What is Pre-EMI?

      You pay pre-EMI on the loan amount disbursed before to the full disbursement is executed by the bank. Here you service only the interest on the loan. Once the entire loan amount is disbursed, then the actual EMI begins comprising the principal and interest amounts.

    6. What is the time taken for the approval of the home loan application?

      Subject to all relevant documents provided by the applicant, the process of approving a home loan application can take about 3 to 15 days.

    7. How long does the bank take to disburse the home loan amount?

      Once the documentation process is complete and is found satisfactory and that 15% of the cost has been paid upfront to the builder or seller of the property, the loan amount is disbursed in about 3 to 15 days.

    8. What is the DHFL home loan processing fees?

      The processing fee charged for the DHFL home loan starts from Rs.5,000 plus applicable GST.

    9. What are the other charges associated with a home loan?

      Apart from the interest rate on the home loan, there are other charges such as processing fees, prepayment penalties, and miscellaneous charges mentioned.

    10. What are the repayment tenures offered by DHFL?

      The housing finance company offers home loans which range up to 30 years.

    11. What are the income tax benefits of a home loan?

      Indian residents can claim tax deductions on the principal and the interest amount of a home loan. Currently, under Section 80C you can claim tax deductions on the principal amount of up to Rs.1 lakh and under Section 24(b), you can claim tax benefits on the interest amount of up to Rs.2 lakh.

    12. Do I need a guarantor to avail a home loan?

      DHFL doesn’t require you to present a guarantor; however, you can apply for a home loan with a co-applicant.

    13. Do home loans require securities?

      The property for which you need the loan becomes the security or collateral, which is mortgaged to the bank or lender until the loan is repaid in full. Additional securities such as fixed deposits (FD) receipts, life insurance policies and savings or share certificates, etc. May be required.


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