Schedule of Fees & Charges

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Schedule of Fees & Charges – Product-wise Summary

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This document provides a consolidated schedule of fees and charges across key products of Piramal Finance Ltd. (Formerly Piramal Capital & Housing Finance Ltd.) based on the applicable Most Important Terms and Conditions (MITC) available on the Piramal Finance website as on date of extraction.

The products covered in this summary are:

Personal Loan (PL)
Home Loan (HL) / Loan Against Property (LAP) / Secured Business Loan (SBL)
Unsecured Business Loan (UBL)
Used Car Loan (UCL)
Digital Loans
Microfinance(MFI)
Loan Against Securities (LAS)

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1. Fees & charges all Product

1.1 Type of Fees & Charges vs Products

Row 1
- Type of Fees & Charges
- Personal Loans
- Housing Loans / Loan Against Property / Secured Business Loans
- Unsecured Business Loans
- Used Car Loan
- Digital Loans
- Microfinance
- Loan Against Securities
Row 2
- Loan Processing Fees
- Up to 5% of loan amt + applicable taxes
- Up to 5% of loan amt + applicable taxes
- Up to 5% of loan amt + applicable taxes
- Up to 5% of loan amt + applicable taxes
- Up to 5% of loan amt + applicable taxes
- Up to 0.99% of loan amt + applicable taxes
- Up to 5% of loan amt + applicable taxes
Row 3
- Part-payment Charges
- Nil
- Refer grid (see 2.1.1)
- 5% of amount being repaid + taxesFor UBL-Flexi: Part payment charges are not applicable for part payment up to 30% of disbursed amount. For part payment above 30%, the above charges apply.
- Refer grid (see 2.4.1)
- Upto 3% of principal outstanding + applicable taxes
- Nil
- Nil
Row 4
- Pre-closure / Foreclosure Charges
- For Prime Variant upto 4% of dropline amount + applicable taxes Others – Nil
- Refer grid (see 2.1.1)
- 5% of outstanding loan + applicable taxes
- Refer grid (see 2.4.1)
- Upto 3% of Principal Outstanding + applicable taxes
- Nil
- Nil
Row 5
- Penal Charges (Overdues / Non-compliance)
- 24% p.a. (2% p.m.) 24% per annum (2% p.m.) on default of EMI from date of default till date of actual payment. 2% p.m. on Outstanding Amount for non-compliance of specified terms and conditions.
- 24% p.a. (2% p.m.) 24% per annum (2% p.m.) on default of EMI from date of default till date of actual payment. 2% p.m. on Outstanding Amount for non-compliance of specified terms and conditions.
- 24% p.a. (2% p.m.) 24% per annum (2% p.m.) on default of EMI from date of default till date of actual payment. 2% p.m. on Outstanding Amount for non-compliance of specified terms and conditions.
- 24% p.a. (2% p.m.) 24% per annum (2% p.m.) on default of EMI from date of default till date of actual payment. 2% p.m. on Outstanding Amount for non-compliance of specified terms and conditions.
- 24% p.a. (2% p.m.) 24% per annum (2% p.m.) on default of EMI from date of default till date of actual payment. 2% p.m. on Outstanding Amount for non-compliance of specified terms and conditions.
- Nil
- 24% p.a. (2% p.m.) 24% per annum (2% p.m.) on default of EMI from date of default till date of actual payment. 2% p.m. on Outstanding Amount for non-compliance of specified terms and conditions.
Row 6
- Loan Pre-closure / Pre-closure Statement
- Rs. Nil
- Rs. 1,000 + applicable taxes
- NA
- Rs. 500 + applicable taxes (Pre-closure letter)
- NA
- Nil
- Nil
Row 7
- Statement of Account – Physical
- Rs. 500 + applicable taxes
- Rs. 500 + applicable taxes
- Rs. 500 + applicable taxes
- Rs. 500 + applicable taxes
- Rs. 500 + applicable taxes
- Nil
- Nil
Row 8
- Loan Repayment Schedule – Physical
- Rs. 500 + applicable taxes
- Rs. 500 + applicable taxes
- Rs. 500 + applicable taxes
- Rs. 500 + applicable taxes
- Rs. 500 + applicable taxes
- Nil
- Nil
Row 9
- Change of Loan Repayment Mode / Swapping of Repayment Account
- Rs. 1,000 + applicable taxes
- Rs. 1,000 + applicable taxes
- Rs. 1,000 + applicable taxes
- Rs. 1,000 + applicable taxes
- Rs. 1,000 + applicable taxes
- Nil
- Nil
Row 10
- EMI Date Change
- Rs. 1,000 + applicable taxes per instance
- Rs. 1,000 + applicable taxes per instance
- Rs. 1,000 + applicable taxes per instance
- Rs. 1,000 + applicable taxes per instance
- Rs. 1,000 + applicable taxes per instance
- Nil
- Nil
Row 11
- Duplicate NOC / No Dues Certificate (Physical)
- Rs. 500 + applicable taxes
- Rs. 500 + applicable taxes
- Rs. 500 + applicable taxes
- Rs. 500 + applicable taxes
- Rs. 500 + applicable taxes
- Nil
- Nil
Row 12
- Photocopy of Documents
- NA
- Rs. 750 + applicable taxes
- NA
- NA
- NA
- NA
- Nil
Row 13
- Documentation Charges
- Up to Rs. 1,000 + applicable taxes
- Up to Rs. 1,000 + applicable taxes
- Up to Rs. 1,000 + applicable taxes
- Up to Rs. 2750
- Up to Rs. 1,000 + applicable taxes per instance
- Nil
- Nil
Row 14
- Admin Charges
- Up to Rs. 5,000 + applicable taxes
- Up to Rs. 5,000 + applicable taxes
- Up to Rs. 5,000 + applicable taxes
- Up to Rs. 5,000 + applicable taxes
- Up to Rs. 5,000 + applicable taxes
- Nil
- Nil
Row 15
- Stamp Duty / Franking
- At actuals + applicable taxes
- At actuals + applicable taxes
- At actuals + applicable taxes
- At actuals + applicable taxes
- At actuals + applicable taxes
- At actuals + applicable taxes
- At actuals + applicable taxes
Row 16
- Stamp Duty Service Charges
- Up to Rs. 100
- Up to Rs. 100
- Up to Rs. 100
- Up to Rs. 200
- Up to Rs. 100
- NA
- NA
Row 17
- Statutory Charges
- At actuals + applicable taxes
- At actuals + applicable taxes
- At actuals + applicable taxes
- At actuals + applicable taxes
- At actuals + applicable taxes
- At actuals + applicable taxes
- At actuals + applicable taxes
Row 18
- CERSAI Charges
- NA
- At actuals + taxes
- NA
- NA
- NA
- NA
- NA
Row 19
- Loan Cancellation after Disbursal / Cheque handover
- Rs. 3,000 + Interest + applicable taxes
- Rs. 5,000 + Interest + applicable taxes
- Rs. 3,000 + Interest + applicable taxes
- Rs. 5,000 + Interest + applicable taxes
- Rs. 3,000 + Interest + applicable taxes
- Nil
- NA
Row 20
- RTO / Vehicle Registration related
- NA
- NA
- NA
- RTO Charges upto Rs. 10,000 + applicable taxes
- NA
- NA
- NA
Row 21
- Car Valuation / Inspection
- NA
- NA
- NA
- Rs. 1000
- NA
- NA
- NA
Row 22
- List of Documents Deposited with the Lender
- NA
- Rs. 1,000/- + applicable taxes.
- NA
- NA
- NA
- NA
- NA
Row 23
- Rate of Interest Conversion Charges (fixed to fixed / floating to floating / fixed to floating / floating to fixed)
- NA
- Up to 1% of principal outstanding + applicable taxes.
- NA
- NA
- NA
- NA
- NA
Row 24
- Loan repayment instrument dishonor charges:
- Rs. 750/- per instance
- Rs. 750/- per instance
- Rs. 750/- per instance
- Rs. 750/- per instance
- Rs. 750/- per instance
- Nil
- Rs. 500/- per instance.
Row 25
- Repossession charges
- NA
- Minimum Rs. 25,000/- or at actuals + applicable taxes, whichever is higher.
- NA
- Minimum Rs. 15,000/- or at actuals + applicable taxes, whichever is higher.
- NA
- NA
- NA
Row 26
- EMI / PEMI collection charges (only for NPDC cases)
- Rs. 500/- + applicable taxes per instance (excluding first 3 months from date of disbursement).
- Rs. 500/- + applicable taxes per instance (excluding first 3 months from date of disbursement).
- Rs. 500/- + applicable taxes per instance (excluding first 3 months from date of disbursement).
- Rs. 500/- + applicable taxes per instance (excluding first 3 months from date of disbursement).
- Rs. 500/- + applicable taxes per instance (excluding first 3 months from date of disbursement).
- NA
- NA
Row 27
- Cash / Overdue EMI / PEMII collection charges
- NA
- Rs. 500/- per instance + applicable taxes.
- Rs. 500/- per instance + applicable taxes.
- NA
- NA
- NA
- NA
Row 28
- NOC for Fuel Conversion (Petrol to LPG/CNG)
- NA
- NA
- NA
- Rs. 500 + applicable taxes per instance
- NA
- NA
- NA

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2. Detailed Product-wise Schedules

2.1 Home Loan / Loan Against Property / Secured Business Loans

2.1.1 Schedule of Fees & Other Charges (Home Loan / Loan Against Property / Secured Business Loans)

Part Payment / Pre-closure Charges – Cases sanctioned on or before 31 December 2025
Fixed rate HL: 2% of principal of loan being prepaid + applicable taxes.
Non-housing loan (NHL) for business purpose (individual): 4% of principal of loan being prepaid + applicable taxes.
NHL by non-individual: 4% of principal of loan being prepaid + applicable taxes.

Part Payment / Pre-closure Charges – Cases sanctioned on or after 01 January 2026

Loans to Individual Borrower and/or MSEs at Floating Rate (Housing and Non-Housing):
No prepayment / part-payment charges.
Loans to Non-Individuals (other than MSEs) at Floating Rate (Housing and Non-Housing):
4% of principal amount being prepaid + applicable taxes.
Loans to Individuals at Fixed Rate – Housing Loans:
2% of principal amount being prepaid + applicable taxes.
Loans to Individuals at Fixed Rate – Non-Housing Loans:
4% of principal amount being prepaid + applicable taxes.
Loans to Non-Individuals at Fixed Rate (Housing and Non-Housing):
4% of principal amount being prepaid + applicable taxes.
Retrieval of Original Property Documents:
Rs. 1,000/- + applicable taxes.
Custodial Charges (per month, where collected within 30 days):
Rs. 500/- + applicable taxes.
Part-Payment Terms:
The borrower may make part-payments towards the outstanding principal only once in a calendar month. Each such part-payment amount should exceed one (1) Equated Monthly Instalment (EMI) else any amount less than or equal to one (1) EMI shall be treated as an advance EMI and shall not be considered as a part-payment towards reduction of the principal.

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2.1.2 Legal Charges and other charges

Legal charges: At actuals + applicable taxes.
Maintenance charges for repossessed property: At actuals + applicable taxes.

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2.2 Unsecured Business Loan (UBL)

2.2.1 Legal Charges

Legal charges: At actuals + applicable taxes.

2.3 Used Car Loan (UCL)

2.3.1 Schedule of Fees & Other Charges

Prepayment / Closure charges:
6% of part-prepayment amount + applicable taxes (if prepaid within 12 months from date of first disbursement)
5% of part-prepayment amount + applicable taxes (if prepaid after 12 months from date of first disbursement)
Maximum 2 part-prepayments allowed in a financial year
Minimum part-prepayment: ₹1,00,000 per instance
RTO Charges:

Rs. 10,000 + applicable taxes.

2.3.2 Legal Charges and other charges

Legal notice charge: At actuals + applicable taxes.
Parking yard charges: At actuals + applicable taxes.
Maintenance charges for repossessed property: At actuals + applicable taxes.

2.4 Personal Loan (PL)

2.4.1 Legal Charges

Legal charges: At actuals + applicable taxes.

2.5 Loan Against Securities (LAS)

2.5.1 Lien Marking

CAMS – INR 500/- + applicable taxes
K-Fintech – INR 300/- + applicable taxes

2.5.2 Pledge Charges

NSDL – INR 500/- + applicable taxes
CDSL – INR 100/- + applicable taxes

2.5.3 Lien Revoke / Invoke (In case of Offline request – No Charges)

CAMS – INR 150/- + applicable taxes
K-Fintech – INR 200/- + applicable taxes

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