Schedule Charges of All Products - Avanse Financial Services

Application Fee	Nil
Loan processing fee	Upto 2%
Cheque / ECS bounce changes (per bounce)	Rs. 400/-
Interest on Late Payment of EMI (per month on overdue EMI amount/Interest amount)	2% p.m.
PDC / NACH / Repayment mandate Swap Charges (per swap)	Rs. 1000/-
Collection pickup charges (per visit)	Rs. 500/-
Outstation collection, Legal Evaluation / repossession, Stamp duty, Administrative and Valuation	As applicable and on actual basis
Statement of Account Charges	Nil
Document Retrieval or Handling Charges (At the time of foreclosure)	Rs. 2,000/
Copy of Property / Security papers	Nil
Additional Repayment Schedule	Nil
Foreclosure statement charges	Nil
Copy of Sanction Letter	Nil
Loan Conversion, Cancellation and Non Encumberance Certificate	As applicable and on actual basis
Demand Draft/Pay Order issuance charges	Nil
Collateral Swap Charges	Nil
Charges for updating & handling loan account as per customer request	Nil
CERSAI Fees (per Collateral)	Nil
Information Utility submission (per reporting per year)	Nil
Foreclosure charges	4% of the POS
Pre-Payment charges	2% of the Principal amount of Loan * Maximum amount upto 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.
Note: The above charges will attract applicable statutory levies and GST.
POS - Principal amount of loan outstanding

Schedule of Charges

Schedule Of Charges – All Products
(Effective 1st Aug, 2019)

Application Fee	Nil
Loan processing fee	Upto 3%
Cheque / NACH bounce charges (per bounce)	Rs. 2,500/-
Interest on Late Payment of EMI (per month on overdue EMI amount/Interest amount)	2% p.m.
PDC / NACH / Repayment mandate Swap Charges (per swap)	Rs. 1000/-
Collection pickup charges (per visit)	Rs. 750/-
Outstation collection, Legal Evaluation / repossession, Stamp duty, Administrative and Valuation	As applicable and on actual basis
Statement of Account Charges	Nil
Document Retrieval or Handling Charges	Rs. 2,000/-
Copy of Property / Security papers	Nil
Additional Repayment Schedule	Nil
Foreclosure statement charges	Nil
Copy of Sanction Letter	Nil
Loan Conversion, Cancellation and Non Encumberance Certificate	Nil
Demand Draft/Pay Order issuance charges	Nil
Collateral Swap Charges	Nil
Charges for updating & handling loan account as per customer request	Nil
CERSAI Fees (per Collateral)	Nil
Information Utility submission (per reporting per year)	Nil
Foreclosure charges	4% of the POS
Pre-Payment charges	2% of the Principal amount of Loan * Maximum amount upto 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.
Note: The above charges will attract applicable statutory levies and GST.
POS - Principal amount of loan outstanding

Application Fee	Upto Rs. 10,000/-
Loan processing fee	Upto 2%
Cheque / ECS bounce changes (per bounce)	Rs. 1,000/-
Interest on Late Payment of EMI (per month on overdue EMI amount/Interest amount)	2% p.m.
PDC / NACH / Repayment mandate Swap Charges (per swap)	Rs. 1000/-
Collection pickup charges (per visit)	Nil
Outstation collection, Legal Evaluation / repossession, Stamp duty, Administrative and Valuation	As applicable and on actual basis
Statement of Account Charges	Nil
Document Retrieval or Handling Charges (At the time of foreclosure)	Rs. 2,000/-
Copy of Property / Security papers	Rs. 1,000/-
Additional Repayment Schedule	Rs. 500/-
Foreclosure statement charges	Rs. 500/-
Copy of Sanction Letter	Nil
Loan Conversion, Cancellation and Non Encumberance Certificate	As applicable and on actual basis
Demand Draft/Pay Order issuance charges	Nil
Collateral Swap Charges	Rs. 10,000/-
Charges for updating & handling loan account as per customer request	Rs 1,500/- per updation
CERSAI Fees (per Collateral)	Rs. 50/- for loans upto Rs. 5 lacs. Rs. 100/- for loans above Rs. 5 lacs.
Information Utility submission (per reporting per year)	Rs. 400/-
Foreclosure charges	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
Pre-Payment charges	Individual Borrowers: Nil Other than individual borrowers and pre- payment within 12 months: a. Upto 25% of POS – Nil, and b. 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: a. Upto 25% of POS – Nil, and b. 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: a. Upto 25% of POS – Nil, and b. 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.
Note: The above charges will attract applicable statutory levies and GST.
POS - Principal amount of loan outstanding

Application Fee	Upto Rs. 6,000/-
Loan processing fee	Upto 2%
Cheque / ECS bounce changes (per bounce)	Rs. 400/-
Interest on Late Payment of EMI (per month on overdue EMI amount/Interest amount)	2% p.m.
PDC / NACH / Repayment mandate Swap Charges (per swap)	Rs. 500/-
Collection pickup charges (per visit)	Rs. 500/-
Outstation collection, Legal Evaluation / repossession, Stamp duty, Administrative and Valuation	As applicable and on actual basis
Statement of Account Charges	Nil
Document Retrieval or Handling Charges (At the time of foreclosure)	Rs. 2,000/-
Copy of Property / Security papers	Rs. 1,000/-
Additional Repayment Schedule	Nil
Foreclosure statement charges	Nil
Copy of Sanction Letter	Nil
Loan Conversion, Cancellation and Non Encumberance Certificate	As applicable and on actual basis
Demand Draft/Pay Order issuance charges	Nil
Collateral Swap Charges	Rs. 10,000/-
Charges for updating & handling loan account as per customer request	Rs 1,500/- per updation
CERSAI Fees (per Collateral)	Rs. 50/- for loans upto Rs. 5 lacs. Rs. 100/- for loans above Rs. 5 lacs.
Information Utility submission (per reporting per year)	Rs.50/-
Foreclosure charges	Nil Note: No pre- payment allowed in the first 6 months of loan disbursement
Pre-Payment charges	Nil Note: No pre- payment allowed in the first 6 months of loan disbursement
Note: The above charges will attract applicable statutory levies and GST.
POS - Principal amount of loan outstanding

Application Fee	Rs. 5,000/-
Loan processing fee	Upto 1.5%
Cheque / ECS bounce changes (per bounce)	Rs. 1,000/-
Interest on Late Payment of EMI (per month on overdue EMI amount/Interest amount)	2% p.m.
PDC / NACH / Repayment mandate Swap Charges (per swap)	Rs. 1,000/-
Collection pickup charges (per visit)	Nil
Outstation collection, Legal Evaluation / repossession, Stamp duty, Administrative and Valuation	As applicable and on actual basis
Statement of Account Charges	Nil
Document Retrieval or Handling Charges (At the time of foreclosure)	Upto Rs. 5,000/-
Copy of Property / Security papers	Rs. 1,000/-
Additional Repayment Schedule	Nil
Foreclosure statement charges	Nil
Copy of Sanction Letter	Nil
Loan Conversion, Cancellation and Non Encumberance Certificate	As applicable and on actual basis
Demand Draft/Pay Order issuance charges	Rs. 150/- per lac or actual bank charges, whichever is higher.
Collateral Swap Charges	Rs. 10,000/-
Charges for updating & handling loan account as per customer request	Rs 1,500/- per updation
CERSAI Fees (per Collateral)	Rs. 50/- for loans upto Rs. 5 lacs. Rs. 100/- for loans above Rs. 5 lacs.
Information Utility submission (per reporting per year)	Rs.250/-
Foreclosure charges	Foreclosure not allowed in the first 12 months of loan disbursement. 4% of the POS: Foreclosure after 12 months till 24 months. 2% of the POS: Foreclosure after 24 months till 48 months. Nil: Foreclosure after expiry of 48 months
Pre-Payment charges	Pre-payment not allowed in the first 12 months of loan disbursement. 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.
Note: The above charges will attract applicable statutory levies and GST.
POS - Principal amount of loan outstanding

Application Fee	Nil
Loan processing fee	Upto 1%
Cheque / ECS bounce changes (per bounce)	Rs. 1,000/-
Interest on Late Payment of EMI (per month on overdue EMI amount/Interest amount)	2% p.m.
PDC / NACH / Repayment mandate Swap Charges (per swap)	Rs. 1,000/-
Collection pickup charges (per visit)	Nil
Outstation collection, Legal Evaluation / repossession, Stamp duty, Administrative and Valuation	As applicable and on actual basis
Statement of Account Charges	Nil
Document Retrieval or Handling Charges (At the time of foreclosure)	Nil
Copy of Property / Security papers	Rs. 1,000/-
Additional Repayment Schedule	Nil
Foreclosure statement charges	Nil
Copy of Sanction Letter	Nil
Loan Conversion, Cancellation and Non Encumberance Certificate	As applicable and on actual basis
Demand Draft/Pay Order issuance charges	Rs. 150/- per lac or actual bank charges, whichever is higher.
Collateral Swap Charges	Rs. 10,000/-
Charges for updating & handling loan account as per customer request	Rs 1,500/- per updation
CERSAI Fees (per Collateral)	Rs. 50/- for loans upto Rs. 5 lacs. Rs. 100/- for loans above Rs. 5 lacs.
Information Utility submission (per reporting per year)	Rs.250/-
Foreclosure charges	Upto 4% of the POS
Pre-Payment charges	Upto 4% of the POS
Note: The above charges will attract applicable statutory levies and GST.
POS - Principal amount of loan outstanding

Application Fee	Rs. 2000/-
Loan processing fee	Upto 3%
Cheque / ECS bounce changes (per bounce)	Rs. 1,000/-
Interest on Late Payment of EMI (per month on overdue EMI amount/Interest amount)	2% p.m.
PDC / NACH / Repayment mandate Swap Charges (per swap)	Rs.1,000/-
Collection pickup charges (per visit)	Nil
Outstation collection, Legal Evaluation / repossession, Stamp duty, Administrative and Valuation	As applicable and on actual basis
Statement of Account Charges	Nil
Document Retrieval or Handling Charges (At the time of foreclosure)	Upto Rs. 5,000/-
Copy of Property / Security papers	Rs. 1,000/-
Additional Repayment Schedule	Nil
Foreclosure statement charges	Nil
Copy of Sanction Letter	Nil
Loan Conversion, Cancellation and Non Encumberance Certificate	As applicable and on actual basis
Demand Draft/Pay Order issuance charges	Rs. 150/- per lac or actual bank charges, whichever is higher.
Collateral Swap Charges	Rs. 10,000/-
Charges for updating & handling loan account as per customer request	Rs 1,500/- per updation
CERSAI Fees (per Collateral)	Rs. 50/- for loans upto Rs. 5 lacs. Rs. 100/- for loans above Rs. 5 lacs.
Information Utility submission (per reporting per year)	Rs.250/-
Foreclosure charges	Foreclosure not allowed in the first 12 months of loan disbursement. 4% of the POS: Foreclosure after 12 months till 24 months. 2% of the POS: Foreclosure after 24 months till 48 months. Nil: Foreclosure after expiry of 48 months
Pre-Payment charges	Pre-payment not allowed in the first 12 months of loan disbursement. 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.
Note: The above charges will attract applicable statutory levies and GST.
POS - Principal amount of loan outstanding

Application Fee	Upto Rs. 2,000/-
Loan processing fee	Upto Rs.1000/-
Cheque / ECS bounce changes (per bounce)	Rs.400/-
Interest on Late Payment of EMI (per month on overdue EMI amount/Interest amount)	2% p.m.
PDC / NACH / Repayment mandate Swap Charges (per swap)	Rs. 500/-
Collection pickup charges (per visit)	Rs. 500/-
Outstation collection, Legal Evaluation / repossession, Stamp duty, Administrative and Valuation	As applicable and on actual basis
Statement of Account Charges	Nil
Document Retrieval or Handling Charges (At the time of foreclosure)	Nil
Copy of Property / Security papers	Nil
Additional Repayment Schedule	Nil
Foreclosure statement charges	Nil
Copy of Sanction Letter	Nil
Loan Conversion, Cancellation and Non Encumberance Certificate	As applicable and on actual basis
Demand Draft/Pay Order issuance charges	Nil
Collateral Swap Charges	Nil
Charges for updating & handling loan account as per customer request	Nil
CERSAI Fees (per Collateral)	Nil
Information Utility submission (per reporting per year)	Rs.50/-
Foreclosure charges	Upto 4% of the POS Nil: For loans to Individual customers on floating rate basis
Pre-Payment charges	2% of the POS for any amount of pre- payment. Nil: For loans to Individual customers on floating rate basis Note: Pre- payment allowed only twice a year.
Note: The above charges will attract applicable statutory levies and GST.
POS - Principal amount of loan outstanding

Schedule of Charges

Schedule Of Charges – All Products (Effective 1st Aug, 2019)

Schedule Of Charges – All Products
(Effective 1st Aug, 2019)