Add up the processing fee with GST, flat fees and other upfront costs of a home loan and see how much of the loan they use up.
Indian lenders usually quote the processing fee as a percentage of the loan, sometimes with a minimum and maximum, and GST at 18% is added on top. To enter a fee of 0.5% plus GST, multiply 0.5 by 1.18 and type 0.59. If the lender charges a flat processing fee instead, enter 0 as the percentage and put the flat amount, including GST, in the flat charges box.
Formula. Processing fee plus flat charges = loan amount × percentage ÷ 100 + flat charges. Loan left after charges = loan amount − processing fee and flat charges − other upfront costs. The second figure matters if charges are deducted from the disbursement, because you then have to fund the gap from savings.
Worked example (illustrative). On a ₹50 lakh loan with a 0.5% fee plus GST (0.59%), the fee is ₹29,500. With ₹15,000 of legal and technical charges, lender charges total ₹44,500. Add ₹25,000 for mortgage stamp duty and registration of the charge, and upfront costs reach ₹69,500, leaving ₹49,30,500 of the loan if all of it is deducted at disbursement.
Limits. Stamp duty on a mortgage deed or memorandum of deposit of title deeds varies by state and is often capped, so check your state's stamp and registration department. Your Key Fact Statement must list all fees and the annual percentage rate (APR), which combines interest and charges. See the guide to home loan charges.
Rates, Costs and 2026 Rules
Every charge on an Indian home loan, from processing fee with 18% GST to legal, valuation, stamp duty and CERSAI, with a worked APR example and what the KFS must show.
