When you close a Home Loan, the bank will charge document retrieval fees. Why? Usually all original documents given to the bank are divided into 2 parts. One will the most important documents such as sale the deed or agreement to sell. The other category of documents will include no objection certificates and clearance certificates. Important documents such as the sale deed, are kept in safe custody at a central repository. This repository is managed by third parties and might not be in the same city as the bank. Other documents will, however, be retained by the bank branch from where you took the loan. So, document retrieval charges will be the cost of transferring the original documents from the central document repository to the bank branch from which you availed the loan.