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

Motilal Oswal Home Loans offers loans for renovation of an existing space for a more comfortable environment and a better quality of living. This loan facilitates internal and external repairs and other structural improvements in existing home. Towards this end, the MOHF Home Improvement Loans would typically cover the following improvements: Tiling, Flooring, Roofing, Painting, Electrical work, Plumbing work, Furniture work, Waterproofing, and Grill work for windows.

Eligibility

Loan Amount

Cap of

85% of the estimated cost of improvement or Rs. 5 Lacs (whichever is lower)

* At the discretion of MOHF

Loan Tenure

Minimum

5 Years

Maximum

10 Years

Salaried

10 Years

Self-Employed

We offer loans covering the total cost towards home improvement with the cost estimates approved by a certified engineer / architect and verified by an MOHF valuer with a cap of 85% of the estimated cost of improvement.

Loan tenure may not be extended beyond the age of sixty (60) years in case of Salaried and Seventy (70) in case of self-employed customers at the time of loan maturity

Interest Rate

Customer Type	Interest Rate	RPLR Minus Spread	MOHF RPLR
Salaried	11.00% to 14.50%	7.80 % to 4.30 %	18.80%
Self Employed	12.00% to 15.25%	6.80 % to 3.55 %	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 Limited