सेवा शुल्कहरू

ATM/Debit Card Related Charges

Credit Related Service Charges

1. PROCESSING CHARGES

      a) Loan to Small and Medium Enterprises (Business Loan below Rs 500.00 lacs)

    b) Other than Retail and SME Loan (NEW)

c) Retail Loan

d) Deprived Sector through MFIs

Agriculture Sector Lending  (Fresh Sanction)

2. RENEWAL CHARGE : 20% OF APPLICABLE PROCESSING FEE (AS MENTIONED IN S.NO. -1 ) (Should not be more than 0.15% on any case)
3. CHARGES FOR CHANGE IN TERMS & CONDITIONS: NIL

4. SPECIFIC LOANS:

In case of adhocs, the processing charges may be recovered as under:

Interchangeability/earmarking with the same account shall not attract the above charges.

5. ENHANCEMENT OF LIMITS:

For enhanced working capital limits, charges shall be levied as above (fresh sanction) on enhanced limit only and renewal charges will be levied on existing limits. 

6. PRE-PAYMENT CHARGES:

No prepayment charge shall be levied on loan limit of Rs. 50.00 lacs. However, in order to dissuade the Borrowers from shifting to other banks, pre-payment charges shall be levied on the amount pre-paid in case of all Term Loans sanctioned as under:

• 20% of applicable processing fee (As mentioned in S. No. -1) for loans swapped  to other banks((Should not be more than 0.15% on any case)
• 20% of applicable processing fee (As mentioned in S. No. -1) for prepayment of loan. (Should not be more than 0.15% on any case)

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,
• Branches while conveying the sanction to the borrower(s) in respect of term loan sanctioned, should incorporate about the levy of pre-payment charges in the sanction letter itself.
• Branches to ensure that term loan document should contain the clause to the above effect and in case the same is not available in the term loan document, supplementary agreement be obtained.

7. COMMITMENT CHARGES:

Commitment Charges on are to be levied on annual basis as under:

• For all fund based working capital limits including Flexi OD limit, commitment charges as given below shall be charged on undrawn portion. 

Average Utilization Level Rate of Commitment Charges

8. OUT OF POCKET EXPENSES (POSTAL, TELECOMMUNICATION & OTHERS e.g. travelling, consultant fee etc.):

Out of Pocket expenses if any, are to be recovered from the borrowers in addition to the processing fee/other fee in case such expenses relate to the post-sanction stage of the credit facilities granted to the borrowers.
Actual charges (rounded off to next higher rupee) to be recovered in full.

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

Credit Card Related Service Charges

(A) Fee and charges for Credit Facility Processing

(B) Credit Card Related Service Charges

(C) Credit Card Transaction Charges (Per Transaction)

Operation Related Service Charges (effective from 15^th Kartik, 2076)