Schedule Of Charges

Application Fee	Up to Rs. 6,000/-
Loan processing fee	Up to 2%
Cheque / ECS bounce changes (per bounce)	Rs. 1,000/-
Penal Charges (per month on late payment of EMI)	2% p.m.
Charges for other event of default i.e. non-compliance of material terms and conditions / Default Charges #	Rs.5,000/- p.m. until the default is cured * *[Cure period shall be as per the loan agreement or lender's notice and shall not exceed 90 days.]
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 Encumbrance 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 Up to 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
Conversion charges (For switching from Floating to Fixed at the time of interest reset) **	0.25% of loan outstanding amount
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, borrower's credit worthiness, 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.

Application Fee	Rs. 5,000/-
Loan processing fee	Up to 3%
Cheque / ECS bounce changes (per bounce) **	Rs. 2,500/-
Penal Charges (per month on late payment of EMI)	2% p.m.
Charges for other event of default i.e. non-compliance of material terms and conditions / Default Charges #	Rs.25,000/- p.m. until the default is cured * *[Cure period shall be as per the loan agreement or lender's notice and shall not exceed 90 days.]
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	Up to 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 Up to 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 24 months of loan disbursement. (Applicable charges in case of closure is at the discretion of company not beyond 6% of the POS) 4% of the POS: Foreclosure after 24 months till 48 months. 2% of the POS: Foreclosure after 48 months.
Pre-Payment charges	Pre-payment not allowed in the first 12 months of loan disbursement. 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.
Conversion charges (For switching from Floating to Fixed at the time of interest reset)	0.25% of loan outstanding amount
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
Approach for Gradation of Risk: Interest Rate comprising risk premium/spread has been provided inter-alia basis nature of loan, borrower's credit worthiness, 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.

Application Fee	Nil
Loan processing fee	Up to 3.00%
Cheque / ECS bounce charges (per bounce)	Up to Rs. 1000/-
Penal Charges (per month on late payment of EMI)	2% p.m.
PDC / NACH Repayment mandate Swap Charges (per swap)	Up to Rs. 500/-
Collection pickup charges (per visit)	Up to Rs. 500/-
Repayment Mandate pickup charges (per visit)	Up to Rs. 1,000/-
Outstation collection, Legal Evaluation / repossession Stamp duty Administrative an Valuation	As applicable and on actual basis
Statement of Account Charges $	Up to 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 ^	Up to 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	Nil
Pre-Payment charges	Not allowed
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 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
Approach for Gradation of Risk: Interest Rate comprising risk premium/spread has been provided inter-alia basis nature of loan, borrower's credit worthiness, 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.

Application Fee	Up to Rs. 2,000/-
Loan processing fee	Up to 3.00%
Cheque / ECS bounce change (per bounce)	Rs.1000/-
Penal Charges (per month on late payment of EMI)	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	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	Nil: For loans to Individual customers on floating rate basis
Pre-Payment charges	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
Approach for Gradation of Risk: Interest Rate comprising risk premium/spread has been provided inter-alia basis nature of loan, borrower's 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.

Application Fee	Rs. 750/-
Loan processing fee	Up to 3%
Cheque / ECS bounce changes (per bounce) **	Rs. 2,500/-
Penal Charges (per month on late payment of EMI)	2% p.m.
Charges for other event of default i.e. non-compliance of material terms and conditions / Default Charges #	Rs.15,000/- p.m. until the default is cured * *[Cure period shall be as per the loan agreement or lender's notice and shall not exceed 90 days.]
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	Up to 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 Up to 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 24 months of loan disbursement. (Applicable charges in case of closure is at the discretion of company not beyond 6% of the POS) 4% of the POS: Foreclosure after 24 months till 48 months. 2% of the POS: Foreclosure after 48 months.
Pre-Payment charges	Pre-payment not allowed in the first 12 months of loan disbursement. 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.
Conversion charges (For switching from Floating to Fixed at the time of interest reset)	0.25% of loan outstanding amount
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
Approach for Gradation of Risk: Interest Rate comprising risk premium/spread has been provided inter-alia basis nature of loan, borrower's credit worthiness, 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.

Application Fee	Nil
Loan processing fee	Up to 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 Up to Rs. 5 lacs. Rs. 100/- for loans above Rs. 5 lacs.
Information Utility submission (per reporting per year)	Rs.250/-
Foreclosure charges	Up to 4% of the POS
Pre-Payment charges	Up to 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
Approach for Gradation of Risk: Interest Rate comprising risk premium/spread has been provided inter-alia basis nature of loan, borrower's credit worthiness, 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.

Application Fee	Nil
Loan processing fee	Up to 2%
Cheque / ECS bounce changes (per bounce)	Rs. 1,000/-
Penal Charges (per month on late payment of EMI)	2% p.m.
Charges for other event of default i.e. non-compliance of material terms and conditions / Default Charges #	Rs.2,000/- p.m. until the default is cured * *[Cure period shall be as per the loan agreement or Lender's notice and shall not exceed 90 days.]
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 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.
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
Approach for Gradation of Risk: Interest Rate comprising risk premium/spread has been provided inter-alia basis nature of loan, borrower's 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.

Application Fee	Nil
Loan processing fee	Up to 2%
Cheque / ECS bounce changes (per bounce)	Rs. 1,000/-
Penal Charges (per month on late payment of EMI)	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 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.
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
Approach for Gradation of Risk: Interest Rate comprising risk premium/spread has been provided inter-alia basis nature of loan, borrower's credit worthiness, 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.

Application Fee	Nil
Loan processing fee	Up to 3%
Cheque / ECS bounce changes (per bounce)	Rs. 2,500/-
Penal Charges (per month on late payment of EMI)	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 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.
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
Approach for Gradation of Risk: Interest Rate comprising risk premium/spread has been provided inter-alia basis nature of loan, borrower's credit worthiness, 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.

Application Fee	Nil
Loan processing fee	Up to 2%
Cheque / ECS bounce change (per bounce)	Rs. 2,500/-
Penal Charges (per month on late payment of EMI)	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	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 Up to 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 borrower's 4% of the POS: Other than individual borrower's and foreclosure within 12 months 3% of the POS: Other than Individual borrower's and foreclosure after the expiry of 12 months but before the expiry of 24 months 2% of the POS: Other than Individual borrower's 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 borrower's: Nil Other than individual borrower's and pre- payment within 12 months: a. Up to 25% of POS - Nil, and b. 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: a. Up to 25% of POS - Nil, and b. 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: a. Up to 25% of POS - Nil, and b. 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.
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
Approach for Gradation of Risk: Interest Rate comprising risk premium/spread has been provided inter-alia basis nature of loan, borrower's credit worthiness, 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.

Application Fee	Nil
Loan processing fee	Up to 2%
Cheque / ECS bounce changes (per bounce)	Rs. 2,500/-
Penal Charges (per month on late payment of EMI)	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 Up to 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 borrower's 4% of the POS: Other than individual borrower's and foreclosure within 12 months 3% of the POS: Other than Individual borrower's and foreclosure after the expiry of 12 months but before the expiry of 24 months 2% of the POS: Other than Individual borrower's 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 borrower's: Nil Other than individual borrower's and pre- payment within 12 months: a. Up to 25% of POS - Nil, and b. 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: a. Up to 25% of POS - Nil, and b. 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: a. Up to 25% of POS - Nil, and b. 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.
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
Approach for Gradation of Risk: Interest Rate comprising risk premium/spread has been provided inter-alia basis nature of loan, borrower's credit worthiness, 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.

Application Fee	NIL
Loan processing fee	NIL
Cheque / ECS bounce changes (per bounce) **	Rs. 2,500/-
Penal Charges (per month on late payment of EMI)	2% p.m.
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 Up to 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)
Approach for Gradation of Risk: Interest Rate comprising risk premium/spread has been provided inter-alia basis nature of loan, borrower's credit worthiness, 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.

**Rs. 2500/- applicable from 10th July 2021 onwards| Rs.1000/- applicable till 9th July 2021

Application Fee	Nil
Loan processing fee	Up to 3.00%
Cheque / ECS bounce changes (per bounce)	Rs. 2,500/-
Penal Charges (per month on late payment of EMI)	2% p.m.
Charges for other event of default i.e. non-compliance of material terms and conditions / Default Charges #	Rs.5,000/- p.m. until the default is cured * *[Cure period shall be as per the loan agreement or lender's notice and shall not exceed 90 days.]
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 Up to 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 borrower's 4% of the POS: Other than individual borrower's and foreclosure within 12 months 3% of the POS: Other than Individual borrower's and foreclosure after the expiry of 12 months but before the expiry of 24 months 2% of the POS: Other than Individual borrower's 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 borrower's: Nil Other than individual borrower's and pre- payment within 12 months: a. Up to 25% of POS - Nil, and b. 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: a. Up to 25% of POS - Nil, and b. 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: a. Up to 25% of POS - Nil, and b. 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.
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
Approach for Gradation of Risk: Interest Rate comprising risk premium/spread has been provided inter-alia basis nature of loan, borrower's credit worthiness, 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.

Schedule Of Charges-All Products

Schedule Of Charges - All Products

(Effective 1st Jan, 2024)

Education Loan

Education Institution Loan

Digital Business

School Fee Finance & Vocational

Social Infrastructure Lending

Lending To Financial Institution

Personal Loan

Micro Enterprise Loan-Business Loan

Small And Medium Enterprise Business Loan

Micro Enterprise Loan - Loan Against Property

Small And Medium Enterprise Loan Against Property

Emergency Credit Line Guarantee Scheme

Education Loan Value Added Loans - Retail LAP