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Customer Care

Registered Office Address:

Godrej One, Pirojshanagar, Eastern Express Highway, Vikhroli (E), Mumbai, Maharashtra, 400079

Corporate Office Working Timings

  • Monday - Friday: 9:30 AM to 6:00 PM

Branch Address

Mumbai

3rd Floor, Godrej One, Pirojshanagar, Vikhroli East, Mumbai- 400079
Monday - Friday: 10:00 AM to 5:00 PM

Pune

Sky Vista, Mhada Colony, Viman Nagar, Pune, Maharashtra- 411014
Monday - Friday: 10:00 AM to 5:00 PM

Bangalore

Unit No. 006, Gr Floor, Barton Centre, MG Road, Haridevpur, Shanthala Nagar, Shivaji Nagar, Bengaluru, Karnataka- 560001
Monday - Friday: 10:00 AM to 5:00 PM

Delhi - National Capital Region

S17, 2nd Floor, Uphaar Cinema Shopping Complex, Green Park Extension, New Delhi - 110016
Monday - Friday: 10:00 AM to 5:00 PM

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Simple Answers, to
Frequently Asked Questions
Documents
Charges Related
Tax Benefits Related
What is a Statement of Account?

A loan account statement details out all the transactions completed in a particular loan account date by date. It also shows the outstanding balance due, the interest rate charged on that outstanding balance and any fees/charges incurred. However, the outstanding balance as reflected in SOA may not be the amount which you have to pay to close the account. To know the foreclosure / pre-closure amount contact +91 22 68815555.

What is MITC, Most Important Terms & Conditions?

Most Important Terms and Conditions details out the Loan details, repayment schedule, schedule of charges and any other relevant details of a loan account which a borrower must know. It is available on both website as well as on customer portal.

What is a Repayment Schedule?

A repayment schedule is a table of detailed loan payments for every period, showing the amount of principal and the interest that comprise each payment until the loan is fully paid off.

What is Interest Certificate?

An Interest Certificate is a document issued by the lender which details out the bifurcation of the Principal and Interest Amount paid towards a home loan account in a particular financial year.

What is a No Objection Certificate?

The NOC, or No Objection Certificate, is a document that states that you have paid all the EMIs and cleared all other outstanding loan dues and is issued by the company post the closure of the loan account. Please note that till the time NOC is not issued you may have liability towards GHF.

What are Bounce Charges?

Charges incurred if the EMI is not paid by the customer on the due date

For more detail and updated information refer Schedule of Charges.

What are Late Payment Charges?

Interest charges on the late payment of the outstanding dues in case of EMI bounce

For more detail and updated information refer Schedule of Charges.

What are SWAP Charges

Charges for changing the repayment instrument or change in the bank account for NACH Mandates

For more detail and updated information refer Schedule of Charges.

What are Stamp Duty/ Registration charges?

Charges paid by customer as per State laws to register Finance Documents.

For more detail and updated information refer Schedule of Charges.

What are Intimation of mortgage/ Creation of Mortgage charges?

Charges incurred to create a mortgage on the property submitted as collateral through e-filing

For more detail and updated information refer Schedule of Charges.

What are CERSAI/ CKYCR charges?

Charges for registering charge on the property submitted as collateral and for uploading KYC details on CKYC.

For more detail and updated information refer Schedule of Charges.

What are Legal or SARFAESI charges?

Charges incurred by the Company for any legal actions against the Borrower/s in case of default.

For more detail and updated information refer Schedule of Charges.

What are Recovery charges?

Charges incurred by the Company for any expenses incurred on collection of overdues from the borrower/s

For more detail and updated information refer Schedule of Charges.

What are Technical charges?

Charges incurred by the Company for valuation or any legal reports of the property which helps the company in assessing the property submitted as collateral

For more detail and updated information refer Schedule of Charges.

What are Foreclosure or pre-payment charges?

Foreclosure or prepayment charges are the charges a borrower incurs for partly paying / closing the loan ahead of its full loan term.

For more detail and updated information refer Schedule of Charges.

What are the benefits of home loan in taxation?

As per Section 80C of the Income Tax Act, you can avail deductions up to Rs.1.50 lakh on the principal amount repaid annually.

Under Section 24 of the IT Act, taxpayers are also eligible for benefits up to Rs.2 lakh on the interest repaid against a home loan annually.

Under section 80EE, first time home buyers can claim addition deduction of Rs. 50,000 for value of property up to Rs. 50 lakh and loan taken up to Rs. 35 lakh.