Sr No.	Reporting Body	Description
1	NHB	"NHB in exercise of the powers vested with it under the National Housing Bank Act, 1987 has imposed penalty of Rs. 15,000/- on 25/08/2020" on account of deficiency with regard to the adherence of the provisions of Housing Finance Companies- Corporate Governance (NHB) Directions 2016; Issuance of Non-Convertible Debentures on Private Placement basis (NHB) Directions 2014; and Policy Circular No. 55."

Instruments	ICRA	CRISIL	India Ratings
Short Term
Commercial Paper	[ICRA]A1+	CRISIL A1+	-
Short Term facility	-	-	IND A1+
Long Term
Market Linked Non-Convertible Debentures	PP-MLD [ICRA] AA-(Stable)	CRISIL PP-MLD AA-r/Stable	-
Non-Convertible Debentures	[ICRA]AA-(Stable)	CRISIL AA/Stable	IND AA/Stable
Bank Borrowings	-	CRISIL AA/Stable	IND AA/Stable

At MOHF, we understand that owning a property is the biggest asset one can create. With our Loan Against Property product, we give you the opportunity to leverage this asset to fulfil your financial needs.

Whether it is your child’s marriage or education, or working capital needed for your business growth, or any other emergency, our Loan Against Property will help you fulfil your specific needs.

Benefits

Higher loan amount can be availed
Lower interest rates as compared to a personal loan
Longer repayment tenure
Loan can be secured with lower credit score v/s personal loan
Continued ownership of your property during and after loan repayment

Eligibility

Loan Amount

Minimum

5 Lakhs

Maximum

25 Lakhs

* At the discretion of MOHF

Loan Tenure

Minimum

5 Years

Maximum

15 Years

Loan tenure may not be extended beyond the age of sixty (60) years in case of Salaried and Seventy (65) in case of self-employed customers at the time of loan maturity.

Interest Rate

Customer Type	Interest Rate	RPLR Minus Spread	MOHF RPLR
Self Employed	14.75% to 17.25%	4.05% to 1.55%	18.80%

* RPLR - Retail Prime Lending Rate

Processing Fees

Sr. No.	Fees / Charges Type	Description
1.	Non-refundable Processing fees:	Up to Rs. 5,000 /- (Rupees Five Thousand only). Initial Processing Fee collected is onetime non-refundable fee, and is collected for the purpose of processing the loan application of the borrowers and the same is independent of the outcome of such processing. The same is payable by way of Cheque / Demand Draft / Electronic mode of payment from borrowers bank account in favour of Motilal Oswal Home Finance Limited.
2.	Total Processing/ Admin Fees (Inclusive of the non - refundable initial processing fee)	Rs……………………(In Words…………………………………………………………………………………) The same is payable by way of Cheque / Demand Draft / Electronic mode of payment from borrowers bank account in favour of Motilal Oswal Home Finance Ltd)