Union Bank of India publishes a home loan processing fee of 0.50%, capped at ₹15,000, plus GST. That is the figure it advertises; several other charges are quoted separately at sanction.
Fees
| Charge | As published |
|---|---|
| Processing fee | 0.50%, max ₹15,000 + GST |
Updated 17 Sep 2026 · Lender rate pages, checked individually
Where a fee is quoted exclusive of tax, add 18% GST to get what you actually pay. Legal and technical valuation charges, CERSAI registration and any bundled insurance sit outside the processing fee and are quoted separately at sanction. The EMI calculator tells you what the loan costs month to month; the fee schedule is what you pay before the first EMI is due.
Bundled loan protection insurance is the charge worth questioning. It is presented at sanction as part of the package and is usually not compulsory, and the same argument applies at every lender — we set it out in full on our best home loans comparison.
How it compares
Joint cheapest of the 12 providers we track, level with Canara Bank and LIC Housing Finance at 7.15%. The full board of advertised rates is on our home loan interest rates page, and the rest of what this bank publishes on the product is on the Union Bank of India home loan page.
Terms change without notice. Confirm the current figures with Union Bank of India before you act.
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