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Lease Rental Discounting Fees & Charges

Axis Bank offers Lease Rental Discounting to help you meet essential expenses such as education, marriage, and healthcare. The fees and charges associated with this service are transparent and clearly stated. Explore the details of these fees and charges below.

SchemeAsset Power (Loan Against Property)Overdraft Against Property Lease Rental Discounting
Loan Processing Charges
  • Up to 1% of the loan amount or ₹10,000 (whichever is higher) + GST (as applicable).
  • Upfront processing fee of ₹5000 plus GST shall be collected at the time of application login. This fee will not be refunded under any circumstances such as loan rejection/withdrawal of the loan application etc., non disbursement of loan for the reasons solely attributable to the customer. Balance processing fee as applicable shall be collected at the time of loan disbursement.
  • Up to 1% of the loan amount or ₹10,000 (whichever is higher) + GST (as applicable).
  • Upfront processing fee of ₹5000 plus GST shall be collected at the time of application login. This fee will not be refunded under any circumstances such as loan rejection/withdrawal of the loan application etc., non disbursement of loan for the reasons solely attributable to the customer. Balance processing fee as applicable shall be collected at the time of loan disbursement.
  • Up to 1% of the loan amount or ₹10,000 (whichever is higher) + GST (as applicable).
  • Upfront processing fee of ₹5000 plus GST shall be collected at the time of application login. This fee will not be refunded under any circumstances such as loan rejection/withdrawal of the loan application etc., non disbursement of loan for the reasons solely attributable to the customer. Balance processing fee as applicable shall be collected at the time of loan disbursement.
Admin ChargesNIL
Part payment The customers falling under category of Micro and Small Enterprise customers, shall not be charged foreclosure and part prepayment charges, irrespective of source of funds for closure. (applicable only for LAP Term loan and Overdraft facility loan). The same is subject to change from time to time and the decision of bank is final. 

Applicable for LAP Only: Part pre-payment charges term loan:
1. Upto 25% of the principal outstanding repaid in the quarter - NIL Charges   
2. More than 25% of principal outstanding repaid in a quarter
-3% charges on excess amount repaid (Total amount repaid less 25% of the principal outstanding). The quarter refers to calendar quarter. No part prepayment is allowed in the first quarter after taking the loan.


  • If primary applicant is a non-Individual (irrespective of end use): 3% part prepayment charge on outstanding principal is applicable.  
  • If primary applicant is an Individual with end use as business: 3% part prepayment charge on outstanding principal is applicable.  
  • If primary applicant is an Individual with end use other than business: NIL (irrespective of the co-applicant constitution) 
No Part payment charges 

Applicable for LAP Only: Part pre-payment charges term loan:
1. Upto 25% of the principal outstanding repaid in the quarter - NIL Charges   
2. More than 25% of principal outstanding repaid in a quarter
-3% charges on excess amount repaid (Total amount repaid less 25% of the principal outstanding). The quarter refers to calendar quarter. No part prepayment is allowed in the first quarter after taking the loan.


  • If primary applicant is a non-Individual (irrespective of end use): 3% part prepayment charge on outstanding principal is applicable.  
  • If primary applicant is an Individual with end use as business: 3% part prepayment charge on outstanding principal is applicable.  
  • If primary applicant is an Individual with end use other than business: NIL (irrespective of the co-applicant constitution)  
Foreclosure Charges The customers falling under category of Micro and Small Enterprise customers, shall not be charged foreclosure and part prepayment charges, irrespective of source of funds for closure. (applicable only for LAP Term loan and Overdraft facility loan). The same is subject to change from time to time and the decision of bank is final.
1. If primary applicant is a non-Individual (irrespective of end use): 3% foreclosure charge on outstanding principal is applicable.
2. If primary applicant is an Individual with end use as business: 3% foreclosure charge on outstanding principal is applicable.
3. If primary applicant is an Individual with end use other than business: NIL (irrespective of the co-applicant constitution)
Foreclosure Charges: 2 %(+Goods and Service Tax as applicable) of the opening Overdraft limit set for the specific year.1. If primary applicant is a non-Individual (irrespective of end use): 3% foreclosure charge on outstanding principal is applicable.
2. If primary applicant is an Individual with end use as business: 3% foreclosure charge on outstanding principal is applicable.
3. If primary applicant is an Individual with end use other than business: NIL (irrespective of the co-applicant constitution)
Non utilization charges for overdraft facility (Applicable only for Straight line overdraft facility)NAIf average quarterly utilization is <25% ofdrawing power then quarterly 0.10% will becharged on the difference between actual average utilization and expected utilization (i.e. 25%)NA
Renewal charge for overdraft facility (Applicable for Dropline and Straight line overdraft facility) NA0.5% of the drawing power set or ₹5,000/- whichever is lower plus applicable GST should be charged at the time of each renewal of limit NA
No Due CertificateNANANA
Duplicate No Dues Certificate/NOC₹50/- per instance₹50/- per instance₹50/- per instance
Solvency CertificateNANANA
Penal ChargesFinancial Default*: 8% p.a. above applicable interest rate on the overdue amount (subject to the aggregate not exceeding 24% per instance).
  • There shall be no capitalisation of Penal Charges.
  • The said Penal Charges will be subject to GST as per applicable law on Goods and Service Tax in India, and GST will be charged separately.

*Financial Default includes all types of payment or financial defaults/irregularities with respect to your Loan Account.
  • Financial Default*: 8% p.a. above current applicable interest rate on the overdue amount ( Penal Charge not exceeding ₹1,00,000 (INR One lakh) per instance)
  • Non-Financial Default**: 1% p.a. above current applicable interest rate / commission from the date of each non-financial default on the outstanding amount of fund-based credit facilities and non-fund-based facilities (as applicable).
  • There shall be no capitalisation of Penal Charges. Please note, the said Penal Charges will be subject to GST as per applicable laws on Goods and Service Tax in India and GST will be charged separately.

*Financial Default includes all types of payment or financial defaults / irregularities with respect to your loan account.
**Non-Financial Default includes breach of any other obligation(s) / covenant(s) with respect to your loan account. 		Financial Default*: 8% p.a. above applicable interest rate on the overdue amount (subject to the aggregate not exceeding 24% per instance).
  • There shall be no capitalisation of Penal Charges.
  • The said Penal Charges will be subject to GST as per applicable law on Goods and Service Tax in India, and GST will be charged separately.
The said Penal Charges will be subject to GST as per applicable law on Goods and Service Tax in India, and GST will be charged separately.
*Financial Default includes all types of payment or financial defaults/irregularities with respect to your Loan Account.
Stamp Duty & other statutory chargesAs per applicable laws of the stateAs per applicable laws of the stateAs per applicable laws of the state
Cheque Bounce Charges₹339/- per instance₹339/- per instance₹339/- per instance
Cheque/Instrument swapping charges₹500/- per instance₹500/- per instance₹500/- per instance
Duplicate statement issuance charges₹250/- per instance₹250/- per instance₹250/- per instance
Issuance Charges for Photocopy of Title Deeds₹500/- per document set₹500/- per document set₹500/- per document set
Credit Report Issuance Charges₹50/- per instance₹50/- per instance₹50/- per instance
CERSAI Charges₹50/- for Loans upto 5 lakhs
₹100/- for Loans above ₹5 lakhs		₹50/- for Loans upto 5 lakhs
₹100/- for Loans above ₹5 lakhs		₹50/- for Loans upto 5 lakhs
₹100/- for Loans above ₹5 lakhs
Equitable mortgage creation chargesAs applicable in the stateAs applicable in the stateAs applicable in the state
Switching Fees (Higher Floating Rate to Lower Floating Rate)Switching from the higher Floating Rate to Lower Floating Rate will attract an administrative charge of
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Principal O/s at the time of ROI conversionCharges
Upto 10 Lacs1000+GST
10.01 Lacs to 30 Lacs2000+GST
30.01 Lacs to 75 Lacs3000+GST
>75 Lacs5000+GST

*Goods and Services Tax (GST) will be charged extra as per the applicable rates, on all the charges and fees (wherever GST is applicable). The above charges are subject to change and the same shall be updated on our website www.axisbank.com accordingly.

APR Calculator

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