Repo Linked Lending Rate(R.L.L.R.)  Borderline Cost of finances grounded Lending Rate(M.C.L.R.)  Base rate( from 1 November 2022)7.70
The RLR is14.95 sire effective 1 November 2022.

The applicable rate of interest rate on your loan is the 3 month MCLR plus the periphery( spread). The periphery charged to you won’t be increased throughout the term of the loan, except on account of deterioration in the credit threat profile of the borrower.

Please note that base Goods and Services Tax( GST) regulations and notified GST rates, Central GST, State/ Union Territory GST, orInter-State GST, as applicable, and Cess as applicable would apply on our freights and charges.

freights and charges are subject to change at the sole discretion of the bank.
Home Loan from HSBC/ Smart Home/ MyHome1

1This product is no longer offered by the bank. Information mentioned is for being guests who have profited of MyHome product before.

Request for dupe of property documents held with the bank ₹ 500

A aggregate of 1 of the loan quantum sanctioned or ₹,000, whichever is advanced, will be applicable as Processing Fee( plus applicable levies *). The figure is collected in two corridor ₹,000 applicable levies * is to be paid outspoken along with the loan operation and the balance Processing Fee quantum applicable levies * is to be paid before disbursal of the loan. Processing Fee paid isnon-refundable.

Penal Interest on the delayed inaugurations on account of cheque or SI( standing instruction) 2 over and above the being interest rate charged on the loan account for the quantum which is overdue.

Change of being Benchmark Rate from MCLR/ Base Rate Retail Lending Rate to Repo Linked Lending Rate( RLLR)

For conversion from MCLR/ Base Rate Retail Lending rate to RLLR can be done with a one time nominal switch over charge/ freights of over to INR 2500/- plus applicable levies. For farther details please communicate your Relationship directors or visit the nearest branch.

Repayment Charges

For Home loan( Floating rate) and Smart Home( Floating rate) Nopre-payment charges.

For Fixed Rate Home Loan2 as below over to 25 of the loan quantum sanctioned in every fiscal time NIL.

For quantum more than 25 of the loan quantum sanctioned in every fiscal time 3 of quantum reimbursed.

2 The repayment charges mentioned above shall be applicable during the fixed rate term of the loan. In case of the loan switching to floating rate, repayment charges won’t be applicable.

Commitment freights

Up- to 1 freights on quantum over 25 of the Smart Home Loan with Commitment Fee/ Smart stage with Commitment figure sanctioned quantum. In the event if the redundant finances in the Smart Home Loan with Commitment Fee/ Smart stage with Commitment figure account are further than 25 of the Smart Home Loan with Commitment Fee/ Smart stage with Commitment figure sanctioned quantum(‘ Threshold limit’), also the Bank may at its sole discretion charge a Non- application/ Commitment figure of 1 sire on the balance quantum maintained over and above the threshold.

Conversion freights

A nominal freights of INR,000 plus applicable levies are outstanding at the time of converting the loan from Normal to Smart, Smart to Normal or within different variants of Smart loan.

From floating rate to fixed rate

The Bank may offer fixed rate loans from time to time, the terms and conditions of which will be participated in the loan documents and the MITC.

From fixed rate to floating rate

Switching from fixed rate to floating rate is allowed only after completion of fixed term. With fixed rate, the rate of interest is fixed for the specified loan term as per the fixed term immolation of the bank as on that date. We offer fixed rate for loan term of 12 months. Post the completion of the fixed rate term, your rate will move to floating rate, which will be linked to also prevailing Repo Linked Lending Rate( RLLR). The applicable periphery over the RLLR will be decided outspoken while serving the fixed rate loan. Fixed Rate loan isn’t offered for under construction loan and/ or interest servicing loans.

The applicable Rate of Interest rate on your loan is the RLLR plus the periphery( spread). The periphery charged to you won’t be increased throughout the term of the loan, except on account of deterioration in the credit threat profile of the borrower.

Example RLLR Linked Loan expended during Month 1 will be benchmarked against the RLLR of Month 1. The policy repo rate is reviewed by the RBI in the Monetary Policy Committee every 2months.However, the interest will be reset in Month 2 against the revised RLLR at the morning of Month 2( by the 7th timetable day of Month 2), If the repo rate is changed by the RBI in month 1. still, the interest will be reset in Month 3 against the revised RLLR at the morning of Month 3( by the 7th timetable day of Month 3), If the repo rate is changed by the RBI in month 2.

Legal Charges

Charges incurred on proceedings under SARFAESI Act/ Proceedings under Sec138 of NI Act and/ or other action on the account as per actuals applicable to an overdue/ tardy account.

Other Charges

Other incidental charges & charges will be levied to cover the costs, charges, charges, attorneys’ charges and/ or cost incurred on the action/ any legal matter and all other cost that may have been incurred in connection with recovery of pretenses from tardy accounts. As per actuals applicable to an overdue/ tardy account.

Note

Please be advised that applicable circular levies would be recovered on all our freights and charges and any other quantum liable to duty under prevailing Indirect Tax Laws.

Charges are applicable for applicable services, for the associated savings/ current account. Please relate to the tariff schedule for similar accounts displayed onwww.hsbc.co.inwww.hsbc.co.in Visit the HSBC India homepage for details.

The charges are subject to change from time to time, at the sole discretion of HSBC. Any similar change will be made with prospective effect post furnishing a month’snotice.However, we will notify the change within 30 days, If we’ve made any change withoutnotice.However, you may within 60 days and without notice, close your account without having to pay any repayment charges, If similar change is to your disadvantage. still, this would not be applicable to changes in finance charges( interest rates) and any charge levied as a result of nonsupervisory conditions.

Late payment charge( Includes Penal Interest and Charges for delayed instalments on account of cheque or Standing Instruction( SI) dishonours) will be applicable if the Equated Monthly Installment( EMI) which is due isn’t paid by the due date.

The interest rate on your floating rate loan, if expended on/ after 01 October 2019 is linked to HSBC’s Repo Linked Lending Rate( RLLR). Any modification in the RLLR would impact your interest rate.

The interest rate on your floating rate loan, if expended on/ after 01 April 2016 till 30 September 2019 is linked to HSBC’s 3 month Borderline Cost of Fund grounded Lending Rate( MCLR). Any modification in the 3 month MCLR would impact your interest rate.

The interest rate on your floating rate loan, if expended on/ after 01 July 2010 till 31 March 2016 is linked to HSBC’s Base Rate. Any modification in the Base Rate would impact your interest rate.

The interest rate on your floating rate loan if expended previous to 01 July 2010 is linked to HSBC’s Retail Lending Rate( RLR) and any modification in the RLR would impact your interest rate.
Loan Against Property/ Smart Loan Against Property

Request for dupe of property documents held with the bank ₹ 500

Processing figure A aggregate of 1 of the loan quantum sanctioned or ₹,000, whichever is advanced, will be applicable as Processing Fee( plus applicable levies *). The figure is collected in two corridor ₹,000 applicable levies * is to be paid outspoken along with the loan operation and the balance Processing Fee quantum applicable levies * is to be paid before disbursal of the loan. Processing Fee paid isnon-refundable.

disbenefit card charges ₹ 150 per annum.

Penal interest on the delayed instalments on account of cheque or SI 2 over and above the being interest rate charged on the loan account for the quantum which is overdue.

Periodic figure( only applicable for Smart stage) 1 of limit outstanding outstanding on each loan anniversary4 till the loan is fully repaid.

Change of being Benchmark Rate from MCLR/ Base Rate Retail Lending Rate to Repo Linked Lending Rate( RLLR)

For conversion from MCLR/ Base Rate Retail Lending rate to RLLR can be done with a one time nominal switch over charge/ freights of over to INR 2500/- plus applicable levies. For farther details please communicate your Relationship directors or visit the nearest branch.

Pre-payment Charges

For stage( Floating Rate) and Smart stage( Floating Rate) Nilpre-payment charges.

Commitment freights

Up- to 1 freights on quantum over 25 of the SHCF/ SLCF sanctioned quantum. In the event if the redundant finances in the SHCF/ SLCF account are further than 25 of the SHCF/ SLCF sanctioned quantum(‘ Threshold limit’), also the Bank may at its sole discretion charge a Non- application/ Commitment figure of 1 sire on the balance quantum maintained over and above the Threshold.

Conversion freights

A nominal freights of INR,000 plus applicable levies are outstanding at the time of converting the loan from Normal to Smart, Smart to Normal or within different variants of Smart loan.

Repayment charges for Fixed Rate LAP5
Up to 25 of the outstanding loan quantum formerly in every fiscal time NIL.

For quantum in excess of 25 of the outstanding loan quantum or further than one repayment 4 ofPre-payment quantum.

4 Loan anniversary is the day and month on which the loan was expended. Example If your loan was expended on 20 May 2012 also every time 20 May will be the loan anniversary.

5 The repayment charges are applicable only during the fixed ratetenure.However, repayment charges won’t be applicable, If you switch your loan to floating rate.

Legal charges

Charges incurred on Proceedings under SARFAESI Act/ Proceedings under Sec138 of NI Act and/ or other action on the account as per actuals applicable to an overdue/ tardy account.

Other Charges

Other incidental charges & charges will be levied to cover the costs, charges, charges, attorneys’ charges and/ or cost incurred on the action/ any legal matter and all other cost that may have been incurred in connection with recovery of pretenses from tardy accounts. As per actuals applicable to an overdue/ tardy account.

The interest rate on your floating rate loan if expended previous to 01 July 2010 is linked to HSBC’s Retail Lending Rate( RLR) and any modification in the RLR would impact your interest rate.
Asset Link( Overdraft Against Shares)

Periodic Service Charges1.5 of limit.

Duplicate Statements ₹ 250 per statement.

Service Withdrawal Charge ₹ 200 per scrip( Max. ₹ 500 per pullout).

Unauthorized Overdraft/ Overlimit 2 over and above the applicable interest rate.

Charge for unprofitable prosecution of Standing Instruction for payment/ Cheque brio charge ₹ 250.

Note The below is an excerpt of our tariff.
Services Offered *( Home Loan/ Smart Home/ stage/ Smart stage)

Switching options

From Home Loan to Smart Home and vice versa.

From floating rate to fixed rate and vice versa( Applicable if Fixed Rate is offered).

Switching from fixed rate to floating rate is allowed only after completion of fixed term.

Switching isn’t permitted from stage to SmartLAP and vice versa.

Other services

Request for change of EMI date, cataloging of loans( increase/ drop in EMI/ term)

Request for diurnal interest computation details

Request for indistinguishable amortisation schedule

Request for indistinguishable dupe of welcome pack( amortisation schedule plus installation advice letter plus list of documents)

Re-pricing request for an active account

Request for change of Standing Instructions, change of prepayment mode( cheque exchange charges)

Copy of track record

Copy of Credit Information Report( CIR)

* The services offered in this section are presently not chargeable to you.

Periodic Chance Return( APR) *

Periodic Chance Return for Home Loans