Penalty for delayed repayment s. Nil * 0.25% of the balance outstanding / Drawing power whichever is higher

Transcription

1 A. Retail s Product Easy Cash (against securities other than deposits) PF/ Admn fee (excluding Taxes) 0.15% of limit, subject to minimum Rs Prepayment / Pre-closure charges Penalty for delayed repayment s Charges for switching loan from fixed to floating rates and vice versa Nil * 0.25% of the balance Interes t reset clause, if any Charge for CIBIL report Nil Gold s Nil Nil * Nil Nil Housing loan 0.50% of the limit sanctioned with a minimum of Rs ST, maximum of 7500+ST -Nil (for individuals in floating rate loans); -2% on the balance outstanding or DP whichever is (only in case of Non Individuals, overdraft & fixed rate loans); * 0.25% of the balance Based on linked Bench mark rate Charge for CIBIL Detect / Mortga ge check Property Power loan 1% of the limit sanctioned with a minimum of Rs. 3000/-+ST. -Nil (for individuals in floating rate loans); -2% on the balance outstanding or DP whichever is (only in case of Non Individuals, overdraft & fixed rate loans); * 0.25% of the balance Based on linked Bench mark rate Personal Car loan Two wheelers 0.50% (minimum Rs. 500/-); Other vehicles -Nil (for individuals in floating rate loans); -2% on the balance * 0.25% of the balance Based on linked 00 00

2 Personal loan Special Vidya Career Solution Up to Rs L: Rs.1500/- Above Rs.5.00L: Rs.2500/- 0.50% - Minimum Rs. 500/- Nil 0.25% - Minimum Rs. 1000/- outstanding or DP whichever is (only in case of Non Individuals & fixed rate loans); 2% on the balance outstanding or DP whichever is -Nil (in case of floating rate loans); -2% on the balance outstanding or DP whichever is (in case of Non Individuals); -Nil (in case of floating rate loans); -2% on the balance outstanding or DP whichever is (in case of Non Individuals); * 0.25% of the balance * 0.25% of the balance * 0.25% of the balance Bench mark rate NA Based on linked Bench mark rate Based on linked Bench mark rate Default category Penal interest Additional Penal interest SMA 0 (Principal or interest payment for not more than 30 days and /or account showing signs of incipient stress like 3 or more cheque returns, non submission of stock statement beyond 90 days, non submission of audited financials on time etc) 2% for the portion of the loan NA SMA 1 (Instalment or interest between % for the portion of the 0.50% for the remaining

3 days) loan portion of the loan SMA 2 (Instalment or interest above 60 days, till classification as NPA) 2% for the portion of the loan 1.00% for the remaining portion of the loan NPA (Instalment or interest above 90 days) 2% on entire balance outstanding thereof. Documentation Charges applicable on Retail s Amount Documentation Charges Upto Rs. 2 Lakhs Nil Rs 2 L - Rs 10 L 500/- Rs 10 L- Rs 30 L 1000/- Rs 30 L -Rs 50 lakhs 2500/- Rs 50 Lakhs-Rs 1 Cr 5000/- More than Rs 1 Cr 10000/- Note: 1. For Housing s Including Processing fee the maximum charge is capped at Rs 10000/- 2. s availed by staff members (both existing and retired), Interest subvention schemes, Gold loans, Govt. sponsored schemes other than NABARD assisted schemes will be exempted.

4 B. SME Parameterised Products Product P F/ Admn fee Prepayment options and charges Penalty for delayed repayment FILS ODCC Term 0.25% 0.50% NIL 1% on the prepaid 2% for for loans of Rs. 1.00Cr and above for a period of 6 months above Charges for CIBIL report (for loans above Rs.2.00L) Charge for CIBIL Detect / Mortgage check Commitment charges Rs.60 Rs.305 (a) 1%p.a.may be levied for of W.C.limits of Rs cr.& above, if exceeds tolerance level of 15% FTLS, FTLS Appli.Homes ODCC Term 0.25% 0.50% NIL 1% on the prepaid 2% for for loans of Rs. 1.00Cr and above for a period of 6 months above (b) For non availment of limits sanctioned commitment charges at the rates applicable to PF shall be collected Rs.60 Rs.305 (a) 1%p.a.may be levied for of W.C.limits of Rs cr.& above, if exceeds

5 tolerance level of 15% FSLS ODCC Term 0.25% 0.50% NIL 1% on the prepaid 2% for for loans of Rs. 1.00Cr and above for a period of 6 months above (b) For non availment of limits sanctioned commitment charges at the rates applicable to PF shall be collected Rs.60 Rs.305 (a) 1%p.a.may be levied for of W.C.limits of Rs cr.& above, if exceeds tolerance level of 15% (b) For non availment of limits sanctioned commitment charges at the rates applicable to PF shall be collected FTALS ODCC 0.25% NIL 2% for Rs.60 Rs.305 (a) 1%p.a.may be

6 Term 0.50% 1% on the prepaid for loans of Rs. 1.00Cr and above for a period of 6 months above levied for of W.C.limits of Rs cr.& above, if exceeds tolerance level of 15% FSLS/FTLS POS power ODCC 0.25% NIL 2% for Term 0.50% 1% on the prepaid for loans of Rs. 1.00Cr and above for a period of 6 months above (b) For non availment of limits sanctioned commitment charges at the rates applicable to PF shall be collected Rs.60 Rs.305 (a) 1%p.a.may be levied for of W.C.limits of Rs cr.& above, if exceeds tolerance level of 15% (b) For non availment of limits sanctioned commitment

7 Fed SME Clean OD ODCC 0.25% NIL 2% for Term 0.50% 1% on the prepaid for loans of Rs. 1.00Cr and above for a period of 6 months above charges at the rates applicable to PF shall be collected Rs.60 Rs.305 (a) 1%p.a.may be levied for of W.C.limits of Rs cr.& above, if exceeds tolerance level of 15% (b) For non availment of limits sanctioned commitment charges at the rates applicable to PF shall be collected

8 C. Other s and Advances Product s & Advances up to Rs.25000/- Working capital limit (Other than Agri s) Term (Other than Agri s) / Demand Processing Fee / Administra tion fee Prepayment options and charges Penalty for delayed repayment Charges for CIBIL report (for loans above Rs.2.00L) Cersai registration /modification charges NIL NA NA NA NA NA 0.25% of limit, Minimum Rs.100/- 1.00% of limit 2% of the limit or balance outstanding whichever is in case of limit closed during the tenure of loan by way of takeover by other financial institutions. 2% of the balance outstanding or DP (Drawing Power) whichever is in case of limit closed during the tenure of loan either by own funds or by way of takeover by other financial institutions. 2% of 2% of CIBIL consumer report- Rs.60/- to Rs.150/- per report Commercial CIBIL Report Rs.1200/- CMR report charges- Rs.550/- CIBIL Detect Charges- Rs.15/- CIBIL consumer report- Rs.60/- to Rs.150/- per report Commercial CIBIL Report Rs.1200/- CMR report charges- Rs.550/- CIBIL Detect Charges- Rs.15/- s upto 5 Lakhs Rs.75/- s above 5 Lakhs Rs.150/- s upto 5 Lakhs Rs.75/- s above 5 Lakhs Rs.150/- Commitment charges a) 0.15% per quarter for the entire, to be collected on a quarterly basis, for all loans above Rs. 5 Lakhs, if utilization falls below 75% of the limit. (b) For non availment of limits sanctioned, 50% of the Processing Fee shall be collected as commitment charges. (a) For non availment of limits sanctioned, 50% of the Processing Fee shall be collected as commitment charges.

9 Non fund based 0.25% of NA NA NA NA NA limits the limit Advance against securities other than banks own Deposit (AAS) 0.25% NA NA NA NA NA CERSAI charges will be levied for all loans, where Equitable Mortgage is created, at the rate of Rs.75/- and Rs.150/- for loan of s up to Rs.5 Lakhs and above Rs.5 Lakhs respectively. Charges for modification of security interest, at the rate of Rs.75/- and Rs.150/- for loan s up to Rs.5 lakhs and above Rs.5 Lakhs respectively CERSAI Charges for movables at the rate of Rs.75/- and Rs.150/- for loan s up to Rs.5 Lakhs and above Rs.5 Lakhs respectively. Charges for searching security interest on properties will be Rs.15/- Inspection Charges Particulars Charges Inspection Within The Same Panchayat /Municipality/Corporation/10km Limits: s i. s up to and inclusive of Rs.25,000/- Nil ii s above Rs.25,000 and Upto Rs.2,00,000 Rs.100 per annum iii.s above Rs.2,00, % of limit, with a minimum of Rs.100 and maximum of Rs.500 per month Mudra s: i. s upto Rs Nil ii. s above Rs and Upto Rs Rs 100 per Quarter iii. s above Rs Rs 150 per Quarter Legal & Pre credit Inspection / verification charges As per actuals

10 Inspection Beyond The Same Panchayat/Municipality/Corporation/10km Limits Normal Charges + Actual Expenses incurred for conducting the inspection Valuation Fees collected by The Bank Value of the Property Branches coming under Network I Branches coming under Network II Valuation fee Valuation fee Up to & including Rs.5 lakhs Rs.1200 Rs.1200 Up to & including Rs.10 lakhs Rs.1800 Rs.1800 Up to & including Rs.50 lakhs Rs.3600 Rs.6000 Up to & including Rs.1 Crore Rs.6000 Rs.7200 Up to & including Rs.5 Crores Rs.7200 Rs.9000 Up to & including Rs.25 Crores Rs.9000 Rs Above Rs.25 Crores Rs Rs Commission on Bank Guarantee Item Sub-item Commission Guarantee fully secured by deposits Rs.200/ % per quarter or part thereof subject to a minimum of 0.25% or Rs 500/- whichever is Performance Guarantee Guarantee fully secured by collateral Guarantee without collaterals/partly covered Rs.200/ % per quarter or part thereof subject to a minimum of 1% or Rs 500/- whichever is Rs.200/ % per quarter or part thereof subject to a minimum of 1.5% or Rs 500/- whichever is

11 Other than Performance Guarantee Guarantee fully secured by deposits Guarantee fully secured by collateral Guarantee without collaterals/partly covered Rs.200/ % per quarter or part thereof subject to a minimum of 0.375% or Rs 500/- whichever is Rs.200/ % per quarter or part thereof subject to minimum of 1.25% or Rs 500/- whichever is Rs.200/ % per quarter or part thereof subject to minimum of 1.5% or Rs 500/- whichever is. SFMS Charges for Bank Guarantee BG Amount Up to and including Rs.10 Lakhs More than Rs.10 Lakhs SFMS Charges Rs.500/- Rs.1,000/- Fee for issuance or operations of BGs through branches other than the base branch In all the below mentioned cases, a fee of Rs.500/- per Guarantee shall be charged. Credit Limit from base branch, BG issuance through another branch. BG Issued from base branch but operable through another branch. BG issued from a branch other than the base branch & operable through a third branch. Service Charges for issuing NOC/ Credit Opinion: Details of borrower Service Charges Credit Limit less than Rs 10 L 0.05% of the limit subject to a minimum of Rs 500/- Credit Limit of Rs 10 L and above to Rs 500 L (including Rs 500 L) 0.05% of the limit subject to a maximum of Rs 3000/- Credit Limits above Rs 500 L 0.01% of the limit subject to a maximum of Rs 10000/-

12 Commission and other charges on Inland Letters of Credit Particulars Commission a) LC fully covered by deposits / collaterals Rs.100/ % per quarter or part thereof. b) LC without collaterals / partially covered by collaterals Rs.100/ % per quarter or part thereof. Particulars Charges Advising of LC Rs.500/- Amendment Rs.500/- Postage Actual Courier / Postage charges Notes: In the case of revolving LC, additional charge is to be collected for every reinstatement. Solvency Charges Sub-item Up to and including Rs.1 Lakh Above Rs.1 Lakh and up to and including Rs.25 Lakhs Above Rs.25 Lakhs up to and including Rs.50 Lakhs Above Rs.50 Lakhs Issuance Charges Rs.500/- Rs.2,500/- Rs.5,000/- Rs.10,000/- Note: GST applicable on all the above charges will be additional.