Charge Type Charge Description
UPFRONT CHARGES (CHARGES BEFORE DISBURSEMENT)
Processing Fees 2% + GST (on the sanctioned value) to be collected before the disbursement or deducted from first disbursement
Non Postal Stamp / Stamp Duty As applicable law of the State
Non-Encumbrance Certificate / Search Report / Verification Report As per actual + GST
Valuation / Technical Fee Rs. 2000/- + GST
CERSAI: At the time of disbursement: Creation of Charge
  • Rs. 300/- + GST (for loans > 5 Lacs) and;
  • Rs. 300/- + GST (for loans < 5 lacs)
Log in Charges (Non Refundable) Rs. 2000/- +GST
CUSTOMER SERVICE CHARGES
CERSAI: At the time of Modification of Charge (in case of Top-Up)
  • Rs. 100/-+ GST (for loans >5 Lacs) and;
  • Rs. 50/-+ GST (for loans <5 lacs) or as per the charges levied by CERSAI
Pre-payment Charges Part- Prepayment / Foreclosure of Home Loan on Variable/ Floating rate of Interest: No prepayment Charges.
Part- Prepayment/ Foreclosure of Home Loan on fixed rate of interest: No prepayment charges, if loan is foreclosed through own source.
However if the payment is made by borrowing from a bank/HFC/NBFC and/ or a Financial institution, The prepayment Charges are as follows:
  1. 3%+ GST as applicable in Pre- closure Charges would be levied on principle o/s & all part prepayments done in case loan is closed within 12 months of the first Disbursement.
  2. 2% + GST as applicable in pre-closure charges would be levied on principle o/s & all part prepayments done in last 12 months in case loan is closed after 12 months of the first disbursement.
Cheque/ ECS/ACH bounce charges (Per instrument/ Transaction) Cheque return charge of INR 500/-+ GST as applicable per instrument is payable in case of a dishonored Cheque or ECS or ACH
Late Payment Interest 3% Per month compound for no. of days delayed in PEMI/EMI payment
Duplicate No Dues Certificate Rs. 500/- + GST
Copy of Property Papers Rs. 500/- + GST
Charges for Missed Due Dates Rs. 200/- + GST
Cancellation Charges / Fees
  1. If request received within 7 days of the disbursement: only Rs 1000/- + GST (cancellation Charges).
  2. If request received after 7 days of the Disbursement: Rs 1000/- + GST (cancellation Charges) & PEMI till the cancellation request.
Document Retrieval Charges Rs 500/- plus applicable taxes (GST) and/or other statutory levies
Duplicate Annual Account Statement/ Rs. 500/- + GST
Loan Prepayment / Closure (fully) statement / SOA/ repayment Schedule Charges Rs. 500/- + GST
Each Personal Visit to customer’s Place for collection of Dues Rs.250/- per visit plus applicable GST
Disbursement Cheque Cancelation & Reissuance Rs. 1000/- + GST (cancellation charges) & PEMI will be charged
Disbursement Cancelation (Deal postponed etc.)
  1. If request received within 7 days of the disbursement: Only Rs. 1000/- + GST (cancelation
  2. If request received after 7 days of the disbursement: Rs. 1000/- + GST (cancelation charges) & PEMI till the cancelation request.
Cheque/ ECS Swapping charges (per set)
PDC to PDC Rs. 1000/- + GST
PDC to ECS NIL
ECS to ECS Rs. 1000/- + GST
ECS to PDC Rs. 1000/- + GST
Complaint Handling Charges Nil
CHARGES AT THE TIME OF FORECLOSURE:
Cash Collection Charges (only FC) Rs. 5/- per Thousand for Cash Collection + GST
CERSAI : At the time of Loan
Closure :- Satisfaction of Charge
(Removal of Lien)
Nil
Document Custodian Fees Rs. 500/- + GST Per Month (Chargeable after 30 days of closure of the Loan Account)


  • All charges/fees to be paid through Akme Star HFC Branches/ Akme Star HFC Representatives by A/c payee crossed cheque in favour of "Akme Star housing Finance Ltd."
  • Cash payments to be made ONLY against valid receipt issued by Akme Star HFC Branches at their office.
    Akme Star HFC 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 to unauthorized persons. #Applicable GST or Govt Taxes (Service Tax or GST or any other Tax ) will be charged extra along with above mentioned charges as applicable.