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Fees and Charges

Effective from 1st January 2024

Fee Type Amount When Payable
Operational & Administrative Cost-Non-Refundable Home Loan: 3000 +(1.5%+GST) of the sanctioned loan amount. Non-Home Loan: 3000+(2%+ GST) of the sanctioned loan amount. 3000 (inclusive of GST) to be paid along with the loan application. Balance to be paid before disbursement of the loan.
Legal Verification 1500 inclusive of Taxes (Non-refundable) At the time of disbursement
Technical Verification 1500 inclusive of Taxes (Non-refundable) At the time of disbursement
Subsequent Technical Verification 500 inclusive of Taxes At the time of disbursement
CERSAI Fee 118 inclusive of Taxes At the time of disbursement
Cheque / ECS / ACH bounce per transaction 590 inclusive of Taxes As and when applicable
Penal charges on default installment (EMI / Pre EMI) 24% Per annum on overdue amount As and when applicable
Recovery (Legal / repossession & Incidental charges) As per Actual As and when applicable
Cheques / ACH swapping (Per Set) 590 inclusive of Taxes After disbursement if applicable
Copy of Property Papers 1770 inclusive of Taxes After disbursement if applicable
Prepayment / Part Prepayment NIL – In case of property is in the name of Individual and the purpose is housing. In case the property is name of non- Individual entity, it will be considered as a business purpose loan and a charge of 5% + GST of Principal outstanding/ prepaid will be applicable. 5% + GST of Principal property is in the name of the Individual & Purpose is business. 5% + GST of Principal outstanding /prepaid- If the loan is under a fixed rate of interest. At the time of Prepayment / Part Prepayment
ROI Conversion NIL charges for Fixed rate to floating rate. 1% + GST charges on Principal Outstanding for conversion of loan from floating to fixed rate. 1% + GST conversion charges on Principal Outstanding for change in ROI As and when applicable
Document Retrieval Charges 590 inclusive of taxes At the time of loan closure
Statement of Account 885 inclusive of taxes As and when applicable
Prepayment Letter 1770 inclusive of taxes As and when applicable
List of Documents 1180 inclusive of taxes As and when applicable
  1. All charges/fees are to be paid through DMI Branches/Representatives by A/C payee cross cheque in favour of ‘DMI HOUSING FINANCE PVT LTD’
  2. Cash payment to be made Only at DMI Branches against valid receipts issued by DMI officials.
  3. DMI does not charge any amount over and above the charges mentioned above and will not be liable or responsible for making payment of any amount made to an unauthorized person without proper receipts.
  4. Govt. taxes will be charged extra in case the charge is non-inclusive of taxes.