2025 - 2026 ANNUAL REPORT
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Services and Charges
Truhome Finance Limited (Formerly Shriram Housing Finance Limited) ensures that you get the appropriate Mortgage Loans in terms of interest rates and other facilities. You can choose from Adjustable, Fixed or Floating Rate of interest Mortgage Loan.
Applicable for cases sanctioned with effect from 1st January' 2026
| Fees and other charges*: | |
|---|---|
| Rate of Interest |
8.50%- 22.00% basis the product category and risk categorization of borrower(s) |
| Login fees (Initial Money Deposit) |
₹1,000 - ₹5,000 depending upon the product type and loan amount (to be paid at the time of login). Login valid till 180 days from login date, post which login fee to be paid again by borrower |
| Processing fees |
As mentioned in the preceding section(s) of Sanction Letter |
| Pre-payment charges / Foreclosure Charges |
Floating Rate Loans
For all loans granted for purpose other than business purpose to Individuals - Nil For loans granted for Business purpose to individuals and /or MSEs - Nil charges for the cases with sanction amount up to 50 lakhs For loans granted for Business purpose to individuals and/or MSEs with sanction amount above 50 lakhs-
For LAP loans granted for business purpose to Medium Enterprises-
For Micro LAP loans granted for Business purpose to Medium Enterprises-
Fixed Rate Loans
Full repayment of home loan by individual borrowers - 6% + Applicable Taxes of principal prepaid if repaid via Balance Transfer; NIL in case closed from own funds Part or full repayment of LAP / Micro LAP Loan-
Part or Full Prepayment of Loan (on Floating / Fixed Rate of Interest) by Corporates/ Public Agencies/ Builders/ Legal Entities - As per Terms of Sanction Letter |
| Penalty for Instrument return - Construction Finance to Builders/ Corporates |
1st time return ₹5,000/- |
| Instrument return charges |
₹1,000/- per instance |
| Charges on account of non-submission/ Registration of PDC/ NACH Mandate Form for EMI payment, per transaction |
₹2,000/- per transaction |
| Penal Charges |
36% p.a. (Inclusive of GST) i.e. 3% per month of the overdue / defaulted installments / amount for all type of loans. |
| CERSAI fees |
₹50/- for loans up to ₹5 Lakh & ₹100/- for loans greater than ₹5 Lakh |
| Change in loan tenor or EMI (other than due to part payment), addition/ deletion of coborrower(s) post loan disbursement^ |
₹10,000/- per instance |
| Duplicate statement issuance Charges |
₹250/- per instance |
| Switch Charges |
Fixed to Variable- upto 4.0% of Loan outstanding |
| Conversion fees^ |
Upto 0.25% of loan outstanding for Home loans |
| Photocopy of title deeds issuance charges |
₹1,000/- per instance |
| Retrieval of title deeds |
₹500/- per instance |
| Cheque/ Instrument swap charges |
₹500/- per instance |
| Amortization schedule issuance Charges |
₹250/- per instance |
| Statement issuance Charges |
₹250/- per instance |
| Duplicate interest certificate (provisional/ actual) issuance charges |
₹250/- per instance |
| Duplicate NOC Issuance Charges |
₹250/- per instance |
| Issuance of LOD |
₹500/- per instance |
| Issuance of Foreclosure Letter (FCL) |
₹500/- per instance |
| Holding charges of original documents in closed accounts, beyond 30 days |
₹500/- per month |
| EMI Collection - Visit Charges |
₹1,000/- per visit |
| Mortgage Creation/ Release Charges |
As per the laws of the State where the property is located/ mortgage is being created. |
| Legal/ Recovery/ Incidental Charges |
As per actual, applicable in the event of default. |
| Mortgage Guarantee Fee |
Mortgage Guarantee fee; |
