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| Application Fee | Nil |
| 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. 1,000/- |
| Collection pickup charges (per visit) | Rs. 500/- |
| Repayment Mandate pickup charges (per visit) | Rs. 1,000/- |
| Outstation collection, Legal Evaluation / repossession, Stamp duty, Administrative and Valuation | As applicable and on actual basis |
| Statement of Account Charges $ | Rs. 1,000/- |
| Statement of Account Charges (Self Service portal) | Nil |
| Document Retrieval / Maintenance Charges | Rs. 2,500/- |
| Copy of Property / Security papers | Nil |
| Repayment Schedule (Self Service Portal) | Nil |
| Additional Repayment Schedule ^ | Rs. 500/- |
| 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 (per updation) | 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. $ 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 |
|
| POS - Principal amount of loan outstanding | |
| Application Fee | Nil |
| 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. 1,000/- |
| Collection pickup charges (per visit) | Rs. 500/- |
| Repayment Mandate pickup charges (per visit) | Rs. 1,000/- |
| Outstation collection, Legal Evaluation / repossession, Stamp duty, Administrative and Valuation | As applicable and on actual basis |
| Statement of Account Charges $ | Rs. 1,000/- |
| Statement of Account Charges (Self Service portal) | Nil |
| Document Retrieval / Maintenance Charges | Rs. 2,500/- |
| Copy of Property / Security papers | Nil |
| Repayment Schedule (Self Service Portal) | Nil |
| Additional Repayment Schedule ^ | Rs. 500/- |
| 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. $ 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 |
|
| POS - Principal amount of loan outstanding | |
| Application Fee | Nil |
| Loan processing fee | Upto 3% |
| Cheque / ECS bounce changes (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. 1,000/- |
| Collection pickup charges (per visit) | Rs. 500/- |
| Repayment Mandate pickup charges (per visit) | Rs. 1,000/- |
| Outstation collection, Legal Evaluation / repossession, Stamp duty, Administrative and Valuation | As applicable and on actual basis |
| Statement of Account Charges $ | Rs. 1,000/- |
| Statement of Account Charges (Self Service portal) | Nil |
| Document Retrieval / Maintenance Charges | Rs. 2,500/- |
| Copy of Property / Security papers | Nil |
| Repayment Schedule (Self Service Portal) | Nil |
| Additional Repayment Schedule ^ | Rs. 500/- |
| 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 | Rs. 1,500/- |
| 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. $ 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 |
|
| POS - Principal amount of loan outstanding | |
| Application Fee | Nil |
| Loan processing fee | Upto 2% |
| Cheque / ECS bounce change (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 Swa Charges (per swap) | Rs. 1,000/- |
| Collection pickup charges (per visit) | Rs. 500/- |
| Repayment Mandate pickup charges (per visit) | Rs. 1,000/- |
| Outstation collection, Legal Evaluation repossession Stamp duty Administrative an Valuation | As applicable and on actual basis |
| Statement of Account Charges $ | Rs. 1,000/- |
| Statement of Account Charges (Self Service portal) | Nil |
| Document Retrieval / Maintenance Charges | Rs. 2,500/- |
| Copy of Property Security papers | Rs. 1,000/- |
| Repayment Schedule (Self Service Portal) | Nil |
| Additional Repayment Schedule ^ | Rs. 500/- |
| 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/- |
| 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: 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. $ 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 |
|
| POS - Principal amount of loan outstanding | |
| Application Fee | Nil |
| Loan processing fee | Upto 2% |
| Cheque / ECS bounce changes (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. 1,000/- |
| Collection pickup charges (per visit) | Rs. 500/- |
| Repayment Mandate pickup charges (per visit) | Rs. 1,000/- |
| Outstation collection, Legal Evaluation / repossession, Stamp duty, Administrative and Valuation | As applicable and on actual basis |
| Statement of Account Charges $ | Rs. 1,000/- |
| Statement of Account Charges (Self Service portal) | Nil |
| Document Retrieval / Maintenance Charges | Rs. 2,500/- |
| Copy of Property / Security papers | Rs. 1,000/- |
| Repayment Schedule (Self Service Portal) | Nil |
| 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. $ 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 |
|
| POS - Principal amount of loan outstanding | |
| Application Fee | Upto Rs. 6,000/- |
| 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. |
| Additional Interest/ Default Charges (including on non-compliance of loan terms) # | 2% p.m. |
| PDC / NACH / Repayment mandate Swap Charges (per swap) | Rs. 500/- |
| Collection pickup charges (per visit) | Rs. 500/- |
| Repayment Mandate pickup charges (per visit) | Rs. 1,000/- |
| Outstation collection, Legal Evaluation / repossession, Stamp duty, Administrative and Valuation | As applicable and on actual basis |
| Statement of Account Charges $ | Rs. 1,000/- |
| Statement of Account Charges (Self Service portal) | Nil |
| Document Retrieval / Maintenance Charges | Rs. 2,500/- |
| Copy of Property / Security papers | Rs. 1,000/- |
| Repayment Schedule (Self Service Portal) | Nil |
| Additional Repayment Schedule ^ | Rs. 500/- |
| 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/- |
| 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. # 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 |
|
| 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. |
| Additional Interest/ Default Charges (including on non-compliance of loan terms) # | 2% p.m. |
| PDC / NACH / Repayment mandate Swap Charges (per swap) | Rs. 1,000/- |
| Collection pickup charges (per visit) | Rs. 500/- |
| Repayment Mandate pickup charges (per visit) | Rs. 1,000/- |
| Outstation collection, Legal Evaluation / repossession, Stamp duty, Administrative and Valuation | As applicable and on actual basis |
| Statement of Account Charges $ | Rs. 1,000/- |
| Statement of Account Charges (Self Service portal) | Nil |
| Document Retrieval / Maintenance Charges | Upto Rs. 5,000/- |
| Copy of Property / Security papers | Rs. 1,000/- |
| Repayment Schedule (Self Service Portal) | Nil |
| 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 | 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/- |
| 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. # 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 |
|
| POS - Principal amount of loan outstanding | |
| Application Fee | Nil |
| Loan processing fee | Upto 1% |
| Cheque / ECS bounce changes (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. 1,000/- |
| Collection pickup charges (per visit) | Nil |
| Repayment Mandate pickup charges (per visit) | Rs. 1,000/- |
| Outstation collection, Legal Evaluation / repossession, Stamp duty, Administrative and Valuation | As applicable and on actual basis |
| Statement of Account Charges $ | Rs. 1,000/- |
| Statement of Account Charges (Self Service portal) | Nil |
| Document Retrieval / Maintenance Charges | Nil |
| Copy of Property / Security papers | Rs. 1,000/- |
| Repayment Schedule (Self Service Portal) | Nil |
| 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 | 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/- |
| 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. $ 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 |
|
| POS - Principal amount of loan outstanding | |
| Application Fee | Rs. 750/- |
| Loan processing fee | Upto 2.25% |
| 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. |
| Additional Interest/ Default Charges (including on non-compliance of loan terms) # | 2% p.m. |
| PDC / NACH / Repayment mandate Swap Charges (per swap) | Rs.1,000/- |
| Collection pickup charges (per visit) | Rs.500/- |
| Repayment Mandate pickup charges (per visit) | Rs. 1,000/- |
| Outstation collection, Legal Evaluation / repossession, Stamp duty, Administrative and Valuation | As applicable and on actual basis |
| Statement of Account Charges $ | Rs. 1,000/- |
| Statement of Account Charges (Self Service portal) | Nil |
| Document Retrieval / Maintenance Charges | Upto Rs. 5,000/- |
| Copy of Property / Security papers | Rs. 1,000/- |
| Repayment Schedule (Self Service Portal) | Nil |
| 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 | 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/- |
| 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.
# Loans sanctioned from 1st Aug 2020 $ Applicable for requests, over and above the half yearly statements sent to registered email id. $ 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 |
|
| POS - Principal amount of loan outstanding | |
| Application Fee | Upto Rs. 2,000/- |
| Loan processin fee | Upto Rs.1000/- |
| Cheque / ECS bounce change (per bounce) | Rs.500/- |
| Interest on Late Payment of EMI (per month on overdue EMI amount/Interest amount) | 2% p.m. |
| Additional Interest/ Default Charges (including on non-compliance of loan terms) # | 2% p.m. |
| PDC / NACH Repayment mandate Swap Charges (per swap) | Rs. 500/- |
| Collection pickup charges (per visit) | Rs. 500/- |
| Repayment Mandate pickup charges (per visit) | Rs. 1,000/- |
| Outstation collection, Legal Evaluation repossession Stamp duty Administrative an Valuation | As applicable and on actual basis |
| Statement of Account Charges $ | Rs. 1,000/- |
| Statement of Account Charges (Self Service portal) | Nil |
| Document Retrieval / Maintenance Charges | Nil |
| Copy of Property Security papers | Nil |
| Repayment Schedule (Self Service Portal) | Nil |
| Additional Repayment Schedule ^ | Rs.500/- |
| 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.
# Loans sanctioned from 1st Aug 2020 $ Applicable for requests, over and above the half yearly statements sent to registered email id. $ 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 |
|
| POS - Principal amount of loan outstanding | |
| Application Fee | Nil |
| Loan processin fee | Upto 2% |
| Cheque / ECS bounce change (per bounce) | Rs. 500/- |
| Interest on Late Payment of EMI (per month on overdue EMI amount/Interest amount) | Upto 2% p.m. |
| Additional Interest/ Default Charges (including on non-compliance of loan terms) # | 2% p.m. |
| PDC / NACH Repayment mandate Swap Charges (per swap) | Rs. 500/- |
| Collection pickup charges (per visit) | Rs. 500/- |
| Repayment Mandate pickup charges (per visit) | Rs. 1,000/- |
| Outstation collection, Legal Evaluation repossession Stamp duty Administrative an Valuation | As applicable and on actual basis |
| Statement of Account Charges $ | Rs. 1,000/- |
| Statement of Account Charges (Self Service portal) | Nil |
| Document Retrieval / Maintenance Charges | Nil |
| Copy of Property Security papers | Nil |
| Repayment Schedule (Self Service Portal) | Nil |
| Additional Repayment Schedule ^ | Rs.500/- |
| 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 | 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.
# Loans sanctioned from 1st Aug 2020 $ Applicable for requests, over and above the half yearly statements sent to registered email id. $ 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 |
|
| POS - Principal amount of loan outstanding | |
| Application Fee | NIL |
| Loan processing fee | NIL |
| Cheque / ECS bounce changes (per bounce) | Rs. 1,000/- |
| Interest on Late Payment of EMI/Interest (per month on overdue EMI amount/Interest amount) | 2% pm |
| Additional Interest/ Default Charges (including on non-compliance of loan terms) | Nil |
| PDC / NACH / Repayment mandate Swap Charges (per swap) | Rs. 1,000/- |
| Collection pickup charges (per visit) | Nil |
| Repayment Mandate pickup charges (per visit) | Rs 1000/- |
| Outstation collection, Legal Evaluation / repossession, Stamp duty, Administrative and Valuation | As applicable and on actual basis |
| Statement of Account Charges (request based) | Nil |
| Statement of Account Charges (Self Service portal) | Nil |
| Document Retrieval or Handling Charges | 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 Encumbrance Certificate | Nil |
| Demand Draft/Pay Order issuance charges | Nil |
| Collateral Swap Charges | Nil |
| Charges for updating & handling loan account as per customer request (per updation) | Nil |
| 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 | Nil (Loan can be foreclosed any time) |
| Pre-payment Charges | Nil (Multiple part pre-payments allowed) |
| Application Fee | Nil |
| Loan processing fee | Upto 2% |
| Cheque / ECS bounce changes (per bounce) | Rs. 2,500/- |
| Interest on Late Payment of EMI (per month on overdue EMI amount/Interest amount) | 2% p.m. |
| Additional Interest/ Default Charges (including on non-compliance of loan terms) # | 2% p.m. |
| PDC / NACH / Repayment mandate Swap Charges (per swap) | Rs. 1,000/- |
| Collection pickup charges (per visit) | Rs. 500/- |
| Repayment Mandate pickup charges (per visit) | Rs. 1,000/- |
| Outstation collection, Legal Evaluation / repossession, Stamp duty, Administrative and Valuation | As applicable and on actual basis |
| Statement of Account Charges $ | Rs. 1,000/- |
| Statement of Account Charges (Self Service portal) | Nil |
| Document Retrieval / Maintenance Charges | Rs. 2,500/- |
| Copy of Property / Security papers | Rs. 1,000/- |
| Repayment Schedule (Self Service Portal) | Nil |
| 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. $ 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 |
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| POS - Principal amount of loan outstanding | |