| Loan Processing Charges | 0.75% of loan amount + Service Tax |
| Non Refundable processing fees (included in processing fees) | Loan Amount Charges
Upto Rs. 25 lacs - Rs.3000+S.T.
> Rs. 25 lacs - Rs.6500+S.T.
|
| Cheque Bounce charges | Rs. 450 |
| Late Payment charges | 3% pm on unpaid amount |
| Cheque Swapping charges | Rs. 500 per swap |
| Prepayment charges | Prepayment is allowed after 6 months of loan being fully disbursed
5% + S.T. within 6-12 months from the date of final disbursement.
3% + S.T. within 12-24 months from the date of final disbursement.
2% + S.T. after 24 months from the date of final disbursement. ( On the outstanding principle) |
| Loan / Cheque Cancellation Charges | a) If disbursement cheque is not en-cashed within 7 days from the date of disbursement and your request for loan/cheque cancellation is received by us within the said period (7 days) then cancellation charges amounting to 1% + Service tax of the loan amount will be applicable in addition to the interest charges calculated from the date of disbursement upto the date of cancellation.
b) If your request for loan / cheque cancellation is received by us after a period 7 days from the date of disbursement then foreclosure charges as mentioned above will be applicable in addition to the interest charges calculated from the date of disbursement upto the date of cancellation
|
| Loan Reschedulement Charges | 2% of principle outstanding |
| Loan statement charges (per statement) | Nil for 1 every half yearly, Rs. 500 thereafter. |
| NOC issuance charges | First - 'Nil', Rs. 500 thereafter |
| Document Retrieval Charges | Rs. 500 per request |
| Stamp duty and Registration charges + Service tax | Actuals |
| Stamp Duty Charges( Pertaining to Loan Document) | Actuals + Service Tax |
| Legal / repossession and incidental charges | Actuals |
| Changing floating rate to fixed rate (if offered) | 0.5% on the outstanding loan amount |
| Asset Verification Charges | Actuals |
| Technical Valuation Charges | As per Actuals |
| Legal search charges | As per Actuals |
| Insurance Premium | Actuals |
| Advance EMI | Actuals |
| ***EMI cycle date change charges | Rs. 500/- |
| Foreclosure Statement Charges | Rs.200 + S.Tax charges |