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Pre-disbursement

Processing Fees

1.25% onwards of loan amount

Database Admin Fee (Including Taxes)

INR 650/- (plus applicable taxes and other bona fide levies, if any)

Stamping charges of loan agreement

As per actual, subject to state laws - to be borne by the borrower

Technical /Valuation and Legal opinion charges, SRO search charges, ROC search charges, non-encumbrance certificate from SRO charges

INR 5000/-

Stamping charges of other legal documents like indemnity bond, legal undertakings, legal affidavits, personal guarantee bond, power of attorney for NRI home loans etc.

As per actual, subject to state laws - to be borne by the borrower

Transaction handling charges in balance transfer/ resale loans

INR 2000/-

Post-disbursement

Registration charges for borrowers’ NACH/ ECS mandate (loan repayment)

NIL

Cheque / NACH / ECS dishonor charges and/or Cheque/NACH returned/ Non-payment of EMI

INR 750/-

Penal Charges

In case of payment defaults - 24% (twenty four percent) per annum on outstanding of EMI/ Pre-EMI.In case of other defaults/Event of Default - 2% (two percent) per annum on the outstanding amount of loan

Charges for physical Statement of Account/ Amortization Schedule

INR 200/-

Income tax certificate in loan against property

NIL

Complaint handling charges

NIL

Property Swap Charges (Swapping is at discretion of SCL)

INR 10000/-

Charges for Reissuance of pay order/ disbursement cheque revalidation

INR 500/-

Foreclosure statement Charges

INR 500/- (Nil, if requested once in quarter)

List of Documents

INR 1000/- (Nil, if requested within initial 6 months of 1st disbursement)

Retrieval charges for copies of loan/ property document in SCL custody

INR 750/-

Charges for certified true copies of title deeds from SRO, if applicable

As per actual

Original property documents retrieval for specific activity like production at SRO or development authority (on borrower request)

INR 5,000/- (plus applicable taxes and other bona fide levies, if any)

Repayment Mode/ Account Swap Charges

INR 500/-

Charges for non-collection of property documents beyond 30 days from the date of full repayment / settlement of the Loan

INR 500/- per month or part thereof

NeSL IU Service Charges

As per actuals charged by NeSL

ROI switch fee

Loan Against Property- 50% onwards of the difference between the existing and revised rate

Pre-Payment / Foreclosure Charges

Foreclosure Charges Applicable for Loans Sanctioned Till December 31, 2025 Foreclosure Charges Applicable for Loans Sanctioned on or After January 1, 2026

Important Notes

All the applicable fees & other charges along with the associated taxes and other bona fide levies (if any), which in case payable, are to be paid by the borrower, in addition to the applicable fees/ other charges.
The property inspection / valuation charges and other charges incurred on account of recovery and legal enforcement of security can be applied over and above these aforesaid charges.
Charges specified hereinabove are applicable per each instance.
All fees and charges are payable as per rates published on the company’s website.
Please refer RBI’s FAQ on Fair Lending Practice – Penal Charges in Loan Accounts Click here

Why Choose Sammaan Capital

Sammaan at Our Core and Actions Sammaan Capital stands as a trusted partner, respecting and nurturing millions of dreams of home and business. With us, every handshake is a promise, and every loan a foundation of respect for uniting dreams with opportunities for all.

WE'VE HELPED OVER

1.4 Million+ users

with their Loan Against Property requirements

Leading Mortgage-Focused

NBFC in India

200+

Offices Nationwide

10k+

Approved Projects

25+ Years

Housing Finance Expertise

Real Stories from Real Loan Against Property Customers

4.7 /5

Minimal paperwork, maximum trust

Sammaan Capital helped me get my required loan amount with minimal paperwork and very little guarantee from my side.

Prakash, 42 Years Old

Aurangabad

4.8 /5

Quick approvals for the home you deserve

Sammaan Capital helped me buy a 2BHK home. The loan process was very easy with very less paperwork and was approved in really quick time.

Saurabh, 34 Years Old

Bangalore

5 /5

Trust that fuels business growth

Sammaan Capital trusted my journey and approved my required loan amount with limited funding. I sincerely thank Sammaan Capital for believing in me and helping my business grow.

Komal, 42 Years Old

Delhi

5 /5

A home, built on trust and support

Sammaan Capital fulfilled mine as well as my parents’ long‑standing wish of owning a home with ease. Their team was supportive, transparent, and handled the entire process smoothly without unnecessary hassle

Davinder, 42 Years Old

Aurangabad

5 /5

Turning your own land into a happy home

Sammaan Capital helped us to build our own house on our own land without any stress. The loan process was very easy and the employees were very supportive to process my loan.

Radhakrishna, 49 Years Old

Visakhapatnam

Frequently Asked Questions

Loans, eligibility, EMIs, documents, process, and support—explained simply.

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Looking for a Loan Against Property?

Looking for personalized help with your loan against propertyt? Stop by your nearest Sammaan branch where our relationship managers are ready to assist you with your application.

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