Schedule Of Charges-All Products

1. Floating rate to fixed rate - 0.25% on principal outstanding at time of conversion.
2. Fixed rate to floating rate – 0.5% on principal outstanding at time of conversions with a minimum of Rs 5000/-

Note: The above charges will attract applicable statutory levies and GST.
# Loans sanctioned from 1st Aug 2020
$ Applicable for requests, over and above the half yearly statements sent to registered email id.
^ Applicable for additional requests received for statements over and above issued during part prepayment
** 2% Foreclosure charges are applicable for Fixed rate loans

POS - Principal amount of loan outstanding

Approach for Gradation of Risk:
Interest Rate comprising risk premium/spread has been provided inter-alia basis nature of loan, borrowers creditworthiness, nature of security, nature of product, borrower/risk profile, repayment capacity, past repayments, borrower's loan tenure and geography (location).
Fees & charges applicable to the loan facility are levied inter-alia basis cost & expenses for product/services, encourage financial discipline, competition/industry benchmarking, market practices for the loan type and quantum, in compliance with regulatory guidelines.

Prepayment upto 25% of the POS per year- Nil

Pre -payment beyond 25% of the POS after the expiry of 12 months but before the expiry of 24 months: 4%

Pre -payment beyond 25% of the POS after the expiry of 24 months but before the expiry of 48 months: 2%

Note: Pre-payment allowed only twice a year.

Nil Charges for loan amount below Rs.50 lacs (Effective 1st Jan’26)

Nil: For Individual borrower's

6% of the POS: Other than individual borrower's and foreclosure within 24 months

4% of the POS: Other than Individual borrower's and foreclosure after the expiry of 24 months but before the expiry of 48 months

2% of the POS: Other than Individual borrower's and foreclosure after 48 months

1. Up to 25% of POS - Nil, and
2. More than 25% of POS - 4%

1. Up to 25% of POS - Nil, and
2. More than 25% of POS - 3%

1. Up to 25% of POS - Nil, and
2. More than 25% of POS - 3%

Nil: For loans to Individual customers on floating rate basis

Note: Pre-payment allowed only twice a year

Nil: For Individual borrower's

6% of the POS: Other than individual borrower's and foreclosure within 24 months

4% of the POS: Other than Individual borrower's and foreclosure after the expiry of 24 months but before the expiry of 48 months

2% of the POS: Other than Individual borrower's and foreclosure after 48 months

Nil: For Individual borrower's

6% of the POS: Other than individual borrower's and foreclosure within 24 months

4% of the POS: Other than Individual borrower's and foreclosure after the expiry of 24 months but before the expiry of 48 months

2% of the POS: Other than Individual borrower's and foreclosure after 48 months

Nil: For Individual borrower's

Other than individual borrower's and pre- payment within 12 months:

1. Up to 25% of POS - Nil, and
2. More than 25% of POS - 4%

Other than Individual borrower's and pre- payment after the expiry of 12 months but before the expiry of 24 months:

1. Up to 25% of POS - Nil, and
2. More than 25% of POS - 3%

Other than Individual borrower's and pre- payment after the expiry of 24 months but before the expiry of 48 months:

1. Up to 25% of POS - Nil, and
2. More than 25% of POS - 3%

Other than Individual borrower's and pre- payment after the expiry of 48 months: Nil

Note: Part pre-payment is allowed only once in a financial year (April - March). If any of the co- applicants/borrower's is a business entity, prepayment charges are applicable.

6% of the POS: Other than individual borrower's and foreclosure within 24 months

1% of the POS: Other than Individual borrower's and foreclosure after the expiry of 24 months

Nil: For Individual borrower's

6% of the POS: Other than individual borrower's and foreclosure within 24 months

4% of the POS: Other than Individual borrower's and foreclosure after the expiry of 24 months but before the expiry of 48 months

2% of the POS: Other than Individual borrower's and foreclosure after 48 months

Nil: For Individual borrower's

Other than individual borrower's and pre- payment within 12 months:

1. Up to 25% of POS - Nil, and
2. More than 25% of POS - 4%

Other than Individual borrower's and pre- payment after the expiry of 12 months but before the expiry of 24 months:

1. Up to 25% of POS - Nil, and
2. More than 25% of POS - 3%

Other than Individual borrower's and pre- payment after the expiry of 24 months but before the expiry of 48 months:

1. Up to 25% of POS - Nil, and
2. More than 25% of POS - 3%

Other than Individual borrower's and pre- payment after the expiry of 48 months: Nil

Note: Part pre-payment is allowed only once in a financial year (April - March). If any of the co- applicants/borrower's is a business entity, prepayment charges are applicable.

Prepayment Up to 25% of the POS per year- Nil

Pre -payment beyond 25% of the POS after the expiry of 12 months but before the expiry of 24 months: 4%

Pre -payment beyond 25% of the POS after the expiry of 24 months but before the expiry of 48 months: 2%

Note: Pre-payment allowed only twice a year.

2% of the Principal amount of Loan

* Maximum amount Up to 25% of the current POS paid within 12 months.

** If pre-payment amount paid exceed 25% of current POS in last 12 months, Full Pre-payment charges will be applicable.

2% of the Principal amount of Loan

* Maximum amount Up to 25% of the current POS paid within 12 months.

** If pre-payment amount paid exceed 25% of current POS in last 12 months, Full Pre-payment charges will be applicable.

Nil: For Individual Borrowers

4% of the POS: Other than individual borrowers and foreclosure within 12 months

3% of the POS: Other than Individual borrowers and foreclosure after the expiry of 12 months but before the expiry of 24 months

2% of the POS: Other than Individual borrowers and foreclosure after the expiry of 24 months but before the expiry of 48 months

Nil: Foreclosure after expiry of 48 months

Individual Borrowers: Nil

Other than individual borrowers and pre- payment within 12 months:

1. Up to 25% of POS - Nil, and
2. More than 25% of POS - 4%

1. Up to 25% of POS - Nil, and
2. More than 25% of POS - 3%

1. Up to 25% of POS - Nil, and
2. More than 25% of POS - 3%

Note: Part pre-payment is allowed only once in a financial year (April - March). If any of the co- applicants/borrowers is a business entity, prepayment charges are applicable.

Nil: For Individual Borrowers

4% of the POS: Other than individual borrowers and foreclosure within 12 months

3% of the POS: Other than Individual borrowers and foreclosure after the expiry of 12 months but before the expiry of 24 months

2% of the POS: Other than Individual borrowers and foreclosure after the expiry of 24 months but before the expiry of 48 months

Nil: Foreclosure after expiry of 48 months

Individual Borrowers: Nil

Other than individual borrowers and pre- payment within 12 months:

1. Up to 25% of POS - Nil, and
2. More than 25% of POS - 4%

Other than Individual borrowers and pre- payment after the expiry of 12 months but before the expiry of 24 months:

1. Up to 25% of POS - Nil, and
2. More than 25% of POS - 3%

Other than Individual borrowers and pre- payment after the expiry of 24 months but before the expiry of 48 months:

1. Up to 25% of POS - Nil, and
2. More than 25% of POS - 3%

Other than Individual borrowers and pre- payment after the expiry of 48 months: Nil

Note: Part pre-payment is allowed only once in a financial year (April - March). If any of the co- applicants/borrowers is a business entity, prepayment charges are applicable.

Nil: For Individual Borrowers

4% of the POS: Other than individual borrowers and foreclosure within 12 months

3% of the POS: Other than Individual borrowers and foreclosure after the expiry of 12 months but before the expiry of 24 months

2% of the POS: Other than Individual borrowers and foreclosure after the expiry of 24 months but before the expiry of 48 months

Nil: Foreclosure after expiry of 48 months

Individual Borrowers: Nil

Other than individual borrowers and pre- payment within 12 months:

1. Up to 25% of POS - Nil, and
2. More than 25% of POS - 4%

Other than Individual borrowers and pre- payment after the expiry of 12 months but before the expiry of 24 months:

1. Up to 25% of POS - Nil, and
2. More than 25% of POS - 4%

Other than Individual borrowers and pre- payment after the expiry of 24 months but before the expiry of 48 months:

1. Up to 25% of POS - Nil, and
2. More than 25% of POS - 4%

Other than Individual borrowers and pre- payment after the expiry of 48 months: Nil

Note: Part pre-payment is allowed only once in a financial year (April - March). If any of the co- applicants/borrowers is a business entity, prepayment charges are applicable.