I’ve current home loan running with HDFC. I experienced they imply unnecessary charges. First I experienced while I had to change my ROI from 9.40% to 8.50%. HDFC charged me to make this change. Second bad experience of mine is when I asked for LOD(List of documents) regarding the property purchased which the bank has. Other banks provide this one sheet of paper for free of cost however, HDFC is charging 590/- INR for this. Also, I came to know that there is loan closure charges in HDFC.