Star Housing Finance Ltd

Charges Fees

Charge TypeCharge Description
Processing Fees2% + GST (on the sanctioned value) to be collected before the disbursement or deducted from first disbursement
Non Postal Stamp / Stamp DutyAs applicable law of the State
Non-Encumbrance Certificate / Search Report / Verification ReportAs per actual + GST
Valuation / Technical Fee

As per Actuals + 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. 5900 + GST

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 Interest3% Per month compound for no. of days delayed in PEMI/EMI payment
Duplicate No Dues CertificateRs. 500/- + GST
Copy of Property PapersRs. 500/- + GST
Charges for Missed Due DatesRs. 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 ChargesRs 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 ChargesRs. 500/- + GST
Each Personal Visit to customer’s Place for collection of DuesRs.250/- per visit plus applicable GST
Disbursement Cheque Cancelation & ReissuanceRs. 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 PDCRs. 1000/- + GST
ECS to ECSRs. 1000/- + GST
ECS to PDCRs. 1000/- + GST
Complaint Handling ChargesNil
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)
Document Custodian FeesRs. 500/- + GST Per Month (Chargeable after 30 days of closure of the Loan Account)

  • All charges/fees to be paid through Star Housing Finance Limited Branches/ Star Housing Finance Limited Representatives by A/c payee crossed cheque in favour of “Star Housing Finance Limited.”
  • Cash payments to be made ONLY against valid receipt issued by Star Housing Finance Limited Branches at their office.
    Star Housing Finance Limited 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.
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