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Loan Service Charges

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No. Type / Nature of Service Service Charges
1
Loan Processing Charges
(w.e.f. : 01.09.2011)

 
1. For All Loans - 0.40 % of Loan Amount subject to maximum of Rs.2,50,000/- and minimum Rs.100/-
2. For Cash Credit Renewal - 50 % of the charges applicable for All loans mentioned as above.
3. For New Loans - only for Principle Approval - 
   a) No charges for loans below Rs.50/- lac
   b) Charges above Rs.50.01 lac - 0.05 % of the loan amount subject to maximum of Rs.10,000/- and minimum of Rs.100/- (Non refundable)
 
Note : For all loans, Loan Processing Charges are applicable as mentioned in (1). For principle approval above charges are to be deposited first and after sanction of the loan, balance charges to be paid  
2
Prepayment charges

Prepayment Charges are 1 % of Debit Balance of the loan and are applicable only if -
1. Loan amount above Rs.5/- crore;
2. Take over by other bank; and
3. Loan repaid with the period of 1/2 time of the actual loan period
3
No Due Certificate

Rs.15 per certificate

w.e.f. : 04.08.2008


4
Solvency Certificate

 


0.50 % of the Certificate Amount subject to maximum of Rs.50,000/-
5
Charges for late payment of EMI

2% of EMI amount (pending Installments)

6
Charges for changing from floating to fixed rate of Interest
Not Applicable
7
Charges for changing from fixed to floating rate of Interest
Not Applicable

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