कर्जा समबन्धि सेवा शूल्कहरु

Credit Related Service Charges

S. No. Head Remark Service Charge
     1. Working Capital Upto Rs. 500.00 lac 1.00% of sanctioned loan
(OD/TR/DL/STL) From Rs. 500.00 lacs to Rs 1000.00 lacs 0.75% of sanctioned loan subject to minimum Rs. 5.00 lacs
Above Rs 1000.00 lacs 0.25% of sanctioned loan
     2. Non Fund Based Upto Rs. 500.00 lac 0.50 % of sanctioned loan
From Rs. 500.00 lacs to Rs 1000.00 lacs 0.40% of sanctioned loan
Above 1000.00 lacs 0.25% of sanctioned loan
   3. Term Loan Upto Rs. 500.00 lac 1.00% of sanctioned loan
From Rs. 500.00 lacs to Rs 1000.00 lacs 0.75% of sanctioned loan
Above 1000.00 lacs 0.25% of sanctioned loan
   4. Renewal Charge Upto Rs. 500.00 lac 0.75% of sanctioned loan
From Rs. 500.00 lacs to Rs 1000.00 lacs 0.50% of sanctioned loan subject to minimum Rs. 2.00 lacs
Above 1000.00 lacs 0.25% of sanctioned loan
NFB 0.25% of sanctioned loan
   5. Other Charges
Facility Charges
Housing Loan/ Home Equity 1.25% of sanctioned loan
Vehicle Loan/ Two Wheeler/ HP loan (with 100% collateral) 1.00% of sanctioned loan

 

Education Loan 1.00% of sanctioned loan
Other Schemes not covered above incl. FOD, FTL, HP loan (w/o collateral) etc. 1.50% sanctioned loan

 

Share Loan 1.50% of loan limit
Charges for exposures to Government undertakings & PSUs (regular & adhoc FB & NFB limits) For Fund Based Limits 0.25% of sanctioned loan
For Non-Fund Based Limit 20% of the charges as applicable to fund based limits
Deprived Sector Lending 0.10% or min Rs. 500 however max. upto Rs. 5000.00
Advances against deposits, pension loans and government securities  Nil
Agriculture Sector Lending –OD/TL/DL/TR 0.50%- Upto Rs. 500.00 Lacs

0.25%- above Rs. 500.00 Lacs

    6. Adhoc
Fund Base Loan upto Rs. 500.00 lacs 0.75% of sanctioned loan
Loan above Rs. 500.00 lacs upto Rs. 1000.00 lacs 0.50% of sanctioned loan
Loan above Rs. 1000.00 lacs 0.30% of sanctioned loan
Non Fund Base 0.40% of limit
    7. 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
    8. 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.
    9. Pre – Payment Charges No prepayment charge shall be levied on loan limit of Rs. 50.00 lacs.

Other than above

·  2% for loans swapped to other banks

·  1.00% for loans settled within one year of disbursement

·  0.75% if paid after one year of disbursement for loans settled from own sources due to availability of surplus funds with the borrowers (for reasons other than mentioned below)

However, no prepayment charges are to be levied in the following cases:

·  Where the loans are prepaid by the borrowers from their own sources due to change in upward revision in ROI;

·  Where the loans are prepaid by the borrowers due to change in terms of sanction from initial offered terms unilaterally by the banks,

   10. 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 60% 0.25% p.a.

Average Utilization Level above 60% – Nil

   11. 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.