कर्जा समबन्धि सेवा शूल्कहरु

Credit Related Service Charges

S.no. Head Remark Service Charge
1. Working Capital

Non Fund Based

UptoRs. 500.00 Lac
Above Rs. 500.00 Lac
0.75% of loan amount.
0.50% of loan amount.
20% of charge as applicable to fund based limit
2. Renewal of working Capital 20% of the charges as applicable to fund based limits with minimum of Rs. 5000.00 of above at the time of renewal or on anniversary date whichever is earlier. However, for limits upto Rs.5.00 lac, flat charges of Rs.2000.00 shall be levied.
3. Adhoc Processing charges may be recovered 25% of above (as per s.no. 1) proportionately for the adhoc limits sanctioned for the period of such limits with a minimum of Rs. 1500.  However, for limits upto Rs.10.00 lac of FB facilities and upto Rs.20.00 lac for NFB facilities, flat charges of Rs.1000.00 shall be levied
4. Enhancement of working Capital Charges shall be levied as above (as per s. no. 1)  on enhanced limit only and renewal charges will be levied on existing limits
5. Consortium Advances Lending under consortium arrangement whether as a leader or a member bank, the processing charges as agreed in the consortium as per majority decision and the same shall not be lower from any other member bank be levied on the limits sanctioned to the borrower by the bank. These charges would be in addition to the lead bank fee, wherever chargeable.
6. Term Loan (Other than retail segment) UptoRs. 500.00 Lac
Above Rs. 500.00 Lac
0.75% of loan amount.
0.50% of loan amount.
7. Term Loan (Under retail loan segment)
Housing/Home Equity Loan UptoRs. 100.00 Lac
Above Rs. 100.00 Lac
1.00% of loan amount.
0.75%of loan amount.
Car Loans & HP loan: UptoRs. 50.00 Lac
Above Rs. 50.00 Lac
0.75% of loan amount.
0.50%of loan amount.
Two Wheeler Loan UptoRs. 5.00 Lac
Above Rs. 5.00 Lac
1.00% of loan amount.
0.75%of loan amount.
Education Loan UptoRs. 50.00 Lac
Above Rs. 50.00 Lac
1.00% of loan amount.
0.75%of loan amount.
Share Loan: UptoRs. 100.00 Lac
Above Rs. 100.00 Lac
0.75% of loan amount.
0.50%of loan amount.
8. Other Schemes not covered above incl. FOD, FTL, HP loan (w/o collateral) etc. UptoRs. 100.00 Lac
Above Rs. 100.00 Lac
1.00% of loan amount.
0.75%of loan amount.
9. Charges for exposures to Government undertakings & PSU’s (regular &adhoc FB & NFB limits) For Fund Based Limits
For Non-Fund Based Limits
0.25%

20% of the charges as applicable to fund based limits.

10. Deprived Sector Lending 0.10% or min Rs.500 however max. upto Rs.5000.00.
11. Advances against deposits, pension loans and government securities. Nil
12. Pre – Payment Charges 2% for loans swapped to other banks

0.75% for loans settled from own sources due to the availability of surplus funds with the borrowers

No prepayment charge is to be levied on settlement of loan o/s of Rs.  50.00 lacs or below.

13. Commitment Charges For all fund based working capital limits including Flexi OD limit Average Utilization Level less than 50% – 0.50% p.a.

Average Utilization Level 50% to less than 70% 0.25% p.a.

Average Utilization Level above 70% – Nil

14. Out of Pocket expenses (Postal. Telecommunication & Others e.g. traveling, consultant fee etc.) Actual charges (rounded off to next higher rupee)

Bank shall not charge anything additional to the customers than its cost for outsourced services through other institutions e.g. CIC reports, Blacklisting, property valuations, insurance etc.