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Loan Processing Charges
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0.75% of loan amount + Service Tax |
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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.
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Cheque Bounce charges
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Rs. 450 |
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Late Payment charges
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3% pm on unpaid amount |
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Cheque Swapping charges
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Rs. 500 per swap |
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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)
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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
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Loan Reschedulement Charges
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2% of principle outstanding
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NOC issuance charges
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First - 'Nil', Rs. 500 thereafter |
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Document Retrieval Charges
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Rs. 500 per request |
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Stamp duty and Registration charges + Service tax
|
Actuals |
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Stamp Duty Charges( Pertaining to Loan Document)
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Actuals + Service Tax |
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Legal / repossession and incidental charges
|
Actuals |
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Changing floating rate to fixed rate (if offered)
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0.5% on the outstanding loan amount |
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Asset Verification Charges
|
Actuals |
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Technical Valuation Charges
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As per Actuals |
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Legal search charges
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As per Actuals |
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Insurance Premium
|
Actuals |
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Advance EMI
|
Actuals |
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***EMI cycle date change charges
|
Applicable for all repayment modes Rs:500/- |
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Foreclosure Statement Charges
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Rs:200/- |
| Cash Handling charges | 1%+S.Tax for cash receipts of Rs 5Lacs and above |