Home Loans for NRI

Your work might have taken you abroad but the yearning for the homeland remains unabated. With HDFC Bank Home Loans turning your dream home in India, into a reality, is convenient and easy.

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Home Loan EMI Calculator

Loan Amount

₹

₹1 Lac ₹10 Cr

Tenure (Years)

1 Year 30 Years

Interest Rate (% P.A.)

0.5 % 15 %

Monthly Home Loan EMI

₹19,668

Principal Amount

₹25,00,000

Interest Amount

₹45,80,304

Total Amount Payable

₹70,80,304

Rates & Offers
Calculators
Documents
Fees & Charges
Rates offered to Customer
(Past Quarter)
FAQ & More

Benefits & Features
FAQs
Home Loan Repayment Options
Terms and Conditions

Interest Rates

A loan of ₹100000 payable over 15 years on a variable rate at 8.75% would require 180 payments of ₹999 per month. The total amount payable would be ₹1,79,901 made up of loan amount of ₹1,00,000 plus interest of ₹79,901. The overall cost for comparison is 8.75% APRC representative.
In addition to the above the processing fees shall be paid by the customer.
The details of processing fees are as mentioned under Fees and Charges.

Please note that this example is just indicative in nature. The interest rates/Equated Monthly Installments are variable in nature and linked to HDFC Bank's Repo Rate and shall fluctuate according to the movement in the same. All payments are to be made in India in Indian currency. All lending by HDFC Bank is done solely in India for properties located in India.

All rates are benchmarked to Policy Repo Rate. Current applicable Repo Rate = 6.50%

Special Housing Loan Rates for Salaried & Self Employed (Professionals & Non-Professionals)
Loan Slab	Interest Rates (% p.a.)
For All Loans*	Policy Repo Rate + 2.25% to 3.15% = 8.75% to 9.65%

Standard Home Loan Rates for Salaried & Self Employed (Professionals & Non-Professionals)
Loan Slab	Interest Rates (% p.a.)
For All Loans*	Policy Repo Rate + 2.90% to 3.45% = 9.40% to 9.95%

*The above Home Loan interest rates/ EMI are applicable for loans under the Adjustable Rate Home Loan Scheme (Floating Interest Rate) of HDFC Bank And are subject to change at the time of disbursement. The Home Loan interest rates above are linked to HDFC Bank's Repo Rate and are variable throughout the tenor of the loan. All loans are at the sole discretion of HDFC Bank. For further details regarding the loan slabs and interest rates above Click Here

*HDFC BANK does not source any Home Loan business from any Lending Service Providers (LSPs).

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Required Documents :

Dully filled signed NRI loan application form & addendum.
One each passport size photograph to be affixed on the application form & to be self-attested by applicant &/ co-applicant. Incase of digital loan application self-attestation not mandatory
KYC documents
Copy of passport for all applicants.
Copy of address proof of both Indian and overseas address of all applicants.
Copy of visa stamped on the passport/ letter copy. (last visit details to be highlighted)
Copy of valid work VISA and/or Work Permit
Copy of Employment Contract
PIO/OCI card for foreign citizens
Copy of last 3-6 months’ salary slip.
Last 6 months NRE/NRO Bank Account statement Bank Statement of the NRE/NRO account for the last 6 month (in India)
Latest 6 months Bank Statement showing Repayment Track Record of any existing loan/s
Any other document supporting repayment capacity
Copy of latest employment contract.
Bank statement of the overseas bank account for the last 6 months. (salary credits & rent paid to be highlighted)
CV/ Profile brief of the applicant &/co applicant
Copy of Latest Income tax return (Form W 2 in US, P60 in UK) if applicable
Credit Bureau Report
Processing fee cheque in favour of “HDFC BANK LTD” from NRE/NRO account.
Local contact person’s details( as per the annexure).
If the documents are in language other than English an English translation of the same attested by the embassy should be provided.

Credit Bureau Report (Country where NRI resides)
Copy of valid passport
Copy of valid work VISA
Copy of visa stamped on the passport/ letter copy

Dully filled NRI loan application form & addendum.
One each passport size photograph to be affixed on the application form & to be self-attested by applicant &/ co-applicant. Incase of digital loan application self-attestation not mandatory
Copy of passport for all applicants.
Copy of address proof of both Indian and overseas address of all applicants.
Copy of visa stamped on the passport/ letter copy. (last visit details to be highlighted)
Copy of contract of work.
Invoices for latest 6 months.
Bank statements of company where such invoices are credited for latest 6 months
Bank statement of if there is any other overseas bank account for the last 6 months
Bank Statement of the NRE/NRO account for the last 6 months. (in India)
Company's Certificate of Incorporation and Shareholding statement (Memorandum and Article of Association also if applicable).
Company's Tax returns for latest 2 years
Details of loans (if any) availed by the company.
CV/ Profile brief of the applicant &/co applicant (if need required)
Copy of Latest Income tax return (Form W 2 in US, P60 in UK)
Bank statement showing repayment of the loans availed from any other bank/ financial institution for the last 6 months / repayment track record from the bank/ financial institution the loan has been availed from.
Credit Bureau Report
Processing fee cheque in favour of “HDFC BANK LTD” from NRE/NRO account.
Local contact person’s details.
If the documents are in language other than English an English translation of the same attested by the embassy should be provided.

Dully filled NRI loan application form & addendum.
One each passport size photograph to be affixed on the application form & to be self-attested by applicant &/ co-applicant. Incase of digital loan application self-attestation not mandatory
Copy of passport for all applicants.
Copy of address proof of both Indian and overseas address of all applicants.
Copy of visa stamped on the passport/ letter copy. (last visit details to be highlighted)
Income tax return for last 2 years with computation of income or full copy of ITR for all individuals & business.
Company's Tax returns for latest 2 years.
Rent agreement, ownership documents & bank credit for any rental income
Bank statement of if there is any other overseas bank account for the last 6 months
Bank Statement of the NRE/NRO account for the last 6 months. (in India)
Company's Certificate of Incorporation and Shareholding statement (Memorandum and Article of Association also if applicable).
Details of loans (if any) availed by the company.
CV/ Profile brief of the applicant &/co applicant
Bank statement showing repayment of the loans availed from any other bank/ financial institution for the last 6 months / repayment track record from the bank/ financial institution the loan has been availed from.
Credit Bureau Report.
Processing fee cheque in favour of “HDFC BANK LTD” from NRE/NRO account.
Local contact person’s details.
If the documents are in language other than English an English translation of the same attested by the embassy should be provided.

Calculators

Get an estimate of your home loan and home buying budget and own your dream home with HDFC Bank Home Loans with super ease.

Documents

For home loan approval, you need to submit the following documents for applicant / all co-applicants along with the completed and signed home loan application form.

KYC Documents

A	Sr.No.	Mandatory Documents
	1	Passport, the validity of which has not expired.
	2	PAN Card or Form 60 (If the customer does not have a PAN Card)
B	Sr.No.	Description of Officially Valid Documents (OVD) that can be accepted for establishing the legal name & current address of Individuals*[Any one of the following documents can be submitted]	Identity Proof	Address Proof
	1	Passport, the validity of which has not expired.
	2	Driving license which has not expired.
	3	Election /Voters identification card
	4	Job card issued by NREGA duly signed by the officer of the State Government
	5	Letter issued by the National Population Register containing details of name, address.
	6	Proof of possession of Aadhaar Number (to be obtained voluntarily)
	7	Documents issued by the Government Departments of Foreign Jurisdiction (Like Work/Resident Permit, Social Security Card, Green Card etc.)
	8	Letter issued by the Foreign Embassy or Mission in India

A document mentioned above shall be deemed to be an OVD even if there is a change in the name subsequent to issuance provided it is supported by a marriage certificate issued by State Government or Gazette notification, indicating such a change of name.

In case the prospective customer is a Non-Resident Indian (NRI)/Person of Indian Origin (PIO)/Overseas Citizen of India (OCI), the KYC documents are to be self attested and submitted at the time of application. Though the KYC documents of the Power of Attorney holder can be verified with the originals, it becomes difficult to verify the documents submitted by the prospective NRI/PIO/OCI Customer with the respective originals where he / she is not personally present at the time of application / disbursement process. In such a case, it is suggested that any one of the following documents be obtained -

1	Proof of identity and address duly notarized by the Notary Public (overseas) having authority in the place of residence of the prospective NRI customer.
2	Proof of identity and address duly attested by the Indian Embassy existing at the place of residence of the prospective NRI customer.

*If the Documents being submitted are in a language other than English, a translation in English by an authorised translator is mandatory.

Housing Charges

Processing Fees & Charges

Processing Fees & Charges
Fees for Resident Housing Loan/ Extension/ House Renovation Loan/ Refinance of Housing Loan/ Plot Loans for Housing (Salaried, Self-Employed Professionals)	Upto 0.50% of the loan amount or Rs. 3300/- whichever is higher + applicable taxes / statutory levies. Minimum Retention Amount: 50% of applicable fees or Rs. 3300/- +applicable taxes/statutory levies whichever is higher
Fees for Resident Housing/ Extension/ Renovation/ Refinance/ Plot Loans for Self Employed Non-Professionals.	Upto 1.50 % of the Loan amount or Rs. 5000/- whichever is higher+ applicable taxes / statutory levies. Minimum Retention Amount: 50% of applicable fees or Rs. 5000/- +applicable taxes/statutory levies whichever is higher
Fees for NRI Loans	Upto 1.50% of the Loan amount or Rs. 3300/- whichever is higher + applicable taxes / statutory levies and charges. Minimum Retention Amount: 50% of applicable fees or Rs. 3300/-+applicable taxes/statutory levies whichever is higher
Fees for Value Plus Loans	Upto 1.50% of the Loan amount or Rs. 5000/- whichever is higher + applicable taxes / statutory levies and charges. Minimum Retention Amount: 50% of applicable fees or Rs. 5000/-+applicable taxes/statutory levies whichever is higher
Fees for Loans under HDFC Bank Reach Scheme	Up to 2.00% of the loan amount+ applicable taxes / statutory levies. Minimum Retention Amount: 50% of applicable fees or Rs. 3300/-+applicable taxes/statutory levies whichever is higher
Re-appraisal of loan after 6months from date of sanction	Salaried / Self employed Professional-Upto Rs. 3300/- + applicable taxes/ statutory charges For Self-Employed Non-Professionals/ NRI/ Value Plus Loans/ HDFC Reach Scheme/- Upto Rs. 5000/- + applicable taxes + statutory charges
Increase in Loan amount	For loan amount increase fees applicable under processing charges shall be levied.

Other Charges

Other Charges
Delayed Instalment Payment Charges	A maximum of 18% P. A. on overdue instalment amounts.
Incidental Charges	Incidental charges and expenses are levied to cover the cost, charges, expense and other monies as per actuals applicable to a case.
Stamp Duty/ MOD/ MOE/ Registration	As applicable in the respective States.
Fees/Charges levied by Regulatory /government entities such as CERSAI	As per actual charges/ fee levied by Regulatory bodies + applicable taxes/ statutory levies
Fees/Charges levied by such third parties such as mortgage guarantee company	As per actual fee/ charges levied by any third party(ies) + applicable taxes/ statutory levies

• 10% discount to senior citizens on all the service charges

Conversion Charges

Conversion Charges
Switch to Lower Rate in Variable rate Loans (Housing/ Extension/ Renovation / Plot / Top Up)	Upto 0.50% of the Principal Outstanding and undisbursed amount (if any) at the time of Conversion or Rs 3000 (which ever is lower)
Switch from Combination Rate home loan under fixed rate term / fixed rate loan to Variable rate	Upto 1.50% of the Principal Outstanding and Undisbursed amount (if any)+ applicable taxes / statutory levies at the time of Conversion.
Conversion of ROI from floating to fixed (who have availed EMI based floating rate Personal Loans )	Please refer the RBI circularNo.DBR.No.BP.BC.99/08.13.100/2017-18 on “XBRL Returns – Harmonization of Banking Statistics” dated January 04, 2018.” Upto Rs.3000/- + applicable taxes / statutory levies.

Miscellaneous Receipts

Miscellaneous Receipts
Payment Return Charges	Rs. 300/- Per Dishonor.
Photocopy of Documents	Upto Rs. 500/- + applicable taxes / . statutory levies
Fees on account of External Opinion – such as legal/technical verifications.	As per actuals.
List of documents charges- for issuance of duplicate list of documents post disbursement	Upto Rs. 500/- + applicable taxes / statutory levies.
Repayment Mode Changes	Upto Rs. 500/- + applicable taxes / statutory levies.
Custody Charges/Property Document Retention charges	Rs. 1000 per calendar month, after 2 calendar months from date of closure of all loans/facilities linked to the collateral
Charges levied on account of non- adherence of sanction terms agreed by customer at the time of disbursement of the loan.	Upto 2% charges per annum on principal outstanding for non- compliance of agreed terms upto its fulfilment- (charged on monthly basis) subject to cap of Rs. 50000/- for critical security related deferrals. Max Rs. 25000/- for other deferrals.

Pre Mature Closure / Part Payment

Pre Mature Closure / Part Payment Charges
A. Adjustable Rate Loans (ARHL) and Combination Rate Home Loan (“CRHL”) during the period of applicability of the Variable Rate of interest	For loans sanctioned to individual borrowers with or without co-applicants, no prepayment charges shall be payable on account of part or full prepayments made through any sources* except when the loan is sanctioned for business purposes**.
B. Fixed Rate Loans (“FRHL”) and Combination Rate Home Loan (“CRHL”) during the period of applicability of the Fixed Rate of interest	For all loans sanctioned with or without co-applicants, the prepayment charge shall be levied at the rate of 2%, plus applicable taxes/statutory levies of the amounts being so prepaid on account of part or full prepayments except when part or full prepayment is being made through own sources*.

Own Sources: *the expression "own sources" for this purpose means any source other than borrowing from a Bank/HFC/NBFC or Financial Institution.

**Conditions apply

The Borrower will be required to submit such documents that HDFC Bank may deem fit & proper to ascertain the source of funds at the time of prepayment of the loan.

Name of Fee/ Charge levied	Amount in Rupees
Custody charges	Rs 1000/- per month for non-collection of collateral documents beyond 60 days, from date of closure of all loans/facilities linked to the collateral.

Non-Housing Charges

Loan Processing Charges*

Maximum of 1% of loan amount (* Minimum PF of Rs.7500/-)

Pre-Payment / Part Payment Charges
Floating Interest Rate Term Loans	• No prepayment charges shall be applicable for part prepayment once during a financial year only if the amount being prepaid does not exceed 25% of the principal amount outstanding at the time of such prepayment. • 2.5% + applicable taxes of principal outstanding being prepaid or at such rates as decided by the Bank if the amount being prepaid is more than said 25%. Charges shall be applicable on the amount in excess of said 25%. • Nil Part Payment charges for floating rate term loan availed by Individual borrowers for End Use other than Business Purpose • Nil Part Payment charges for floating rate term loans availed by Micro & Small Enterprises.
Fixed Interest rate Term loans	• Maximum of 2.5% of the Principal Outstanding. • >60 months after the disbursement of the Loan – NIL Charges. • NIL Part-payment charges for loan amount up to Rs. 50 Lakh availed by Micro & Small Enterprises. • No prepayment charges shall be applicable for part prepayment once during a financial year only if the amount being prepaid does not exceed 25% of the principal amount outstanding at the time of such prepayment. • 2.5% (Plus applicable taxes) of principal outstanding being prepaid or at such rates as decided by the Bank if the amount being prepaid is more than said 25%. Charges shall be applicable on the amount in excess of said 25%.

Pre-Payment / Part Payment Charges

Floating Interest Rate Term Loans

• No prepayment charges shall be applicable for part prepayment once during a financial year only if the amount being prepaid does not exceed 25% of the principal amount outstanding at the time of such prepayment.

• 2.5% + applicable taxes of principal outstanding being prepaid or at such rates as decided by the Bank if the amount being prepaid is more than said 25%. Charges shall be applicable on the amount in excess of said 25%.

• Nil Part Payment charges for floating rate term loan availed by Individual borrowers for End Use other than Business Purpose

• Nil Part Payment charges for floating rate term loans availed by Micro & Small Enterprises.

Fixed Interest rate Term loans

• Maximum of 2.5% of the Principal Outstanding.

• >60 months after the disbursement of the Loan – NIL Charges.

• NIL Part-payment charges for loan amount up to Rs. 50 Lakh availed by Micro & Small Enterprises.

• 2.5% (Plus applicable taxes) of principal outstanding being prepaid or at such rates as decided by the Bank if the amount being prepaid is more than said 25%. Charges shall be applicable on the amount in excess of said 25%.

Premature closure charges
Floating rate term loan availed by Individual borrowers for Business Purpose	2.5 % of the Principal Outstanding >60 months after the disbursement of the Loan – NIL Charges
Floating rate term loan availed by Individual borrowers for End Use other than Business Purpose	NIL
Floating rate term loans availed by Micro, Small Enterprises and Closure from Own Source*	NIL
Floating rate term loans availed by Micro, Small Enterprises and Closure Through Takeover by any financial Institutions	2 % takeover charges of the Principal Outstanding >60 months after the disbursement of the Loan – NIL Charges
Fixed Interest rate Term loans	- 2.5 % (Plus applicable Taxes) of the Principal Outstanding, > 60 months after the disbursement of the Loan/Facility – NIL Charges. NIL Premature Closure Charges /Foreclosure/ Prepayment /Takeover/Part-payment charges for loan amount up to Rs. 50 Lakh availed by Micro & Small Enterprises.
Delayed Instalment payment Charge	A maximum of 18% P. A. on overdue instalment amounts.
Payment Return Charges	Rs 450/-
Repayment schedule charges*	Rs. 50/- per instance
Repayment mode change charges*	Rs. 500/-
Custody charges	Rs 1000/- per month for non-collection of collateral documents beyond 60 days, from date of closure of all loans/facilities linked to the collateral.
Revision in spread	0.1% of Principal Outstanding OR Rs. 5000 whichever is higher Per proposal
Legal/Repossession & Incidental charges	At actuals
Stamp Duty & other statutory charges	As per applicable laws of the state
Conversion charges for Change in Reference rate (BPLR/ Base rate/MCLR to Policy Repo Rate (for existing customers)	NIL
Penal Interest for Non Adherence of ESCROW Account (as per sanction terms and conditions)	2% p. a additional on existing ROI (Applicable in LARR cases only)
Penal Interest charged for non-complying with sanction terms	2% per annum additional on existing ROI- (Charged on monthly basis) Subject to a Max of Rs 50000/-
CERSAI Charges	Rs. 100 for each property
Property Swapping / Partial property Release*	0.1% of the loan amount. Min – Rs. 10,000/-. Max of Rs 25000/- per property
Document Retrieval charges post Disbursement*	Rs. 75/- per document set. (Post disbursement)

Own Sources: *the expression "own sources" for this purpose means any source other than borrowing from a Bank/HFC/NBFC or Financial Institution.

The Borrower will be required to submit such documents that HDFC Bank may deem fit & proper to ascertain the source of funds at the time of prepayment of the loan.

The prepayment charges are subject to change as per prevailing policies of HDFC Bank and accordingly may vary from time to time which shall be notified on www.hdfcbank.com.

Other Charges
Delayed Instalment payment Charge	A maximum of 18% P. A. on overdue instalment amounts.
Payment Return Charges	Rs 450/-
Repayment schedule charges*	Rs. 50/- per instance / Digital – Free
Repayment mode change charges*	Rs. 500/-
Custody charges	Rs 1000/- per month for non-collection of collateral documents beyond 60 days, from date of closure of all loans/facilities linked to the collateral.
Revision in spread	0.1% of Principal Outstanding OR Rs. 3000 whichever is higher Per proposal
Legal/Repossession & Incidental charges	At actuals
Stamp Duty & other statutory charges	As per applicable laws of the state
Conversion charges for Change in Reference rate (BPLR/ Base rate/MCLR to Policy Repo Rate (for existing customers)	NIL
Charges levied for Non Adherence of ESCROW Account (as per sanction terms and conditions)	2% p. a additional on existing ROI (Applicable in LARR cases only)
Charges levied on account of non- adherence of sanction terms.	2% per annum additional on existing ROI- (Charged on monthly basis) Subject to a Max of Rs 50000/-
CERSAI Charges	Rs. 100 for each property / at actuals
Property Swapping / Partial property Release*	0.1% of the loan amount. Min – Rs. 10,000/-. Max of Rs 25000/- per property
Document Retrieval charges post Disbursement*	Rs. 500/- per document set. (Post disbursement)

All the above charges/fees/Commissions are exclusive of taxes. All government taxes are applicable.
10% discount to senior citizens on all the service charges

Maximum Funding**
Loans up to and including ₹30 lacs	90% of the property cost
Loans from ₹30.01 lacs to ₹75 lacs	80% of the property cost
Loans above ₹75 lacs	75% of the property cost

***Subject to market value of the property and repayment capacity of the customer, as assessed by HDFC Bank Ltd.

Home Loan in Different Cities

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Testimonials

AGHARA RAVIKUMAR M

“

It was very easy to complete disbursement process with support of HDFC staff

”

MURALI SHEEBA

“

For people like us with a busy schedule hassle-free service online without visiting the bank was really a lifesaver.

”

FREDDY VINCENT S V

“

In this challenging situation, the entire process was carried out in a smooth way. Even the query raised was sorted out in a very short time with no hurdle. Every person involved in the inquiry procedures were courteous.

”

Frequently Asked Questions

Rates Offered to Customer (Past Quarter)
Segment	IRR			APR
Segment	Min	Max	Avg.	Min	Max	Avg.
HOUSING	8.35	12.50	8.77	8.35	12.50	8.77
NON - HOUSING*	8.40	13.30	9.85	8.40	13.30	9.85
*NON - HOUSING = LAP(EQUITY), NON-RESIDENTIAL PREMISES LOAN & INSURANCE PREMIUM FUNDING

Home Loan Benefits

End to end digital process

Home loan approval in 4 simple steps.

Customised Repayment Options

Tailor-made home loans to suit your requirements.

Easy documentation

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24x7 assistance

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Online loan account

Product Offering & Features

Home Loan Repayment Options

Tranche Based EMI

If you purchase an under construction property you are generally required to service only the interest on the loan amount drawn till the final disbursement of the loan and pay EMIs thereafter. In case you wish to start principal repayment immediately you may opt to tranche the loan and start paying EMIs on the cumulative amounts disbursed.

Home Loan Terms & Conditions

Security

Security of the loan would generally be security interest on the property being financed and / or any other collateral / interim security as may be required by HDFC Bank Ltd.

Other Conditions

All the information contained herein above is for awareness and customer convenience and is intended to only act as an indicative guide about HDFC Bank’s products and services. For detailed information about HDFC Bank’s products and services kindly visit the nearest HDFC Bank branch.

Click here for the Most Important Terms and Conditions pertaining to your loan.

"Appreciate the quick service and understanding at HDFC Housing Finance"

- Avinashkumar Rajpurohit,Mumbai

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Monthly EMI

₹198341

Principal Amount

₹198341

Interest Amount

₹198341

Total Amount Payable

₹198341

Apply Online

View Amortization Schedule

EMI break-down chart

Year	Opening Balance	EMI*12	Interest paid yearly	Principal paid yearly	Closing Balance
1	25,00,000	2,36,010	2,18,041	17,969	24,82,031
2	24,82,031	2,36,010	2,16,404	19,606	24,62,424
3	24,62,424	2,36,010	2,14,618	21,392	24,41,032
4	24,41,032	2,36,010	2,12,669	23,341	24,17,691
5	24,17,691	2,36,010	2,10,543	25,467	23,92,223
6	23,92,223	2,36,010	2,08,223	27,787	23,64,436
7	23,64,436	2,36,010	2,05,691	30,319	23,34,117
8	23,34,117	2,36,010	2,02,929	33,081	23,01,036
9	23,01,036	2,36,010	1,99,916	36,094	22,64,942
10	22,64,942	2,36,010	1,96,628	39,382	22,25,560
11	22,25,560	2,36,010	1,93,040	42,970	21,82,590
12	21,82,590	2,36,010	1,89,126	46,884	21,35,706
13	21,35,706	2,36,010	1,84,855	51,155	20,84,551
14	20,84,551	2,36,010	1,80,195	55,815	20,28,736
15	20,28,736	2,36,010	1,75,110	60,900	19,67,836
16	19,67,836	2,36,010	1,69,563	66,447	19,01,389
17	19,01,389	2,36,010	1,63,510	72,500	18,28,888
18	18,28,888	2,36,010	1,56,905	79,105	17,49,783
19	17,49,783	2,36,010	1,49,699	86,311	16,63,472
20	16,63,472	2,36,010	1,41,837	94,174	15,69,299
21	15,69,299	2,36,010	1,33,258	1,02,752	14,66,546
22	14,66,546	2,36,010	1,23,897	1,12,113	13,54,434
23	13,54,434	2,36,010	1,13,684	1,22,326	12,32,108
24	12,32,108	2,36,010	1,02,541	1,33,469	10,98,639
25	10,98,639	2,36,010	90,383	1,45,628	9,53,011
26	9,53,011	2,36,010	77,116	1,58,894	7,94,117
27	7,94,117	2,36,010	62,642	1,73,368	6,20,749
28	6,20,749	2,36,010	46,849	1,89,161	4,31,588
29	4,31,588	2,36,010	29,617	2,06,393	2,25,195
30	2,25,195	2,36,010	10,815	2,25,195	0