| 1. |
Loan Processing Charges |
Upto Rs.25,000 - Nil Above Rs.25,000 but less than
Rs.2.0 lakhs - Rs.50/- per loan Rs.2.0 Lakhs & Above - 0.1% on sanctioned
amount. |
Upto Rs.25,000 - Above Rs.25,000 but less than
Rs.2.0 lakhs - Rs.125/- per loan Rs.2.0 Lakhs & Above(i) 0.125% subject to
a maximum of Rs.1.0 lakh for fresh loans.(ii) 0.05% subject to a maximum of
Rs.25,000/- for renewal enhancements |
Administration fee of 0.5% of the loanamount. |
PSA :(Agri)
Upto Rs.25,000 - Nil Above Rs.25,000 but less than Rs.2.0 lakhs - Rs.100/- per
loan Rs.2.0 Lakhs & Above - 0.2% on sanctioned amount
NON - PSA:(General)
Upto Rs.25,000 - Nil Above Rs.25,000 but less than Rs.2.0 lakhs - Rs.250/- per
loan Rs.2.0 Lakhs & Above - (i) 0.25% subject to a maximum of Rs.1.0 lakh for
fresh loans. (ii) 0.10% subject to a maximum of Rs.25,000/- for renewal
enhancements
|
PSA : (Agri)
Upto Rs.25,000 - Nil Above Rs.25,000 but less than Rs.2.0 lakhs - Rs.100/- per
loan Rs.2.0 Lakhs & Above - 0.2% on sanctioned amount
NON - PSA: (General)
Upto Rs.25,000 - Nil Above Rs.25,000 but less than Rs.2.0 lakhs - Rs.250/- per
loan Rs.2.0 Lakhs & Above - (i) 0.25% subject to a maximum of Rs.1.0 lakh for
fresh loans. (ii) 0.10% subject to a maximum of Rs.25,000/- for renewal
enhancements
Appraiser charges:-
Upto 0.5% ofloan amount. Upto Rs.25,000 - Nil Above Rs.25,000 but less than
Rs.2.0 lakhs - Rs.100/- per loan Rs.2.0 Lakhs & Above - 0.2% on sanctioned
amount. PAIS:(Insurance premium)Rs.10/- for a period of 3 yrs for Rs.50,000/-
sum insured.
|
Upto Rs.25,000 - Nil Above Rs.25,000 but less than
Rs.2.0 lakhs - Rs.100/- per loan Rs.2.0 Lakhs & Above - 0.2% on sanctioned
amount.
PAIS:(Insurance premium)
Rs.10/- for a period of 3 yrs for Rs.50,000/- sum insured.
|
| 2. |
Prepayment Charges |
Nil |
Nil |
1. Partial Pre-payment not allowed upto the completion of 6
months' term.
2. Over 6 months, partial prepayments are allowed upto a max. of 2 times in a
span of 12 months subject to a min. of Rs..25000/=
3. Pre-payment Penalty is nil for partial pre-payments only Total Foreclosure
Penalty
1% of (Outstanding Principal + principal repayments during previous 12 months)
|
NIL |
NIL |
NIL |
| 3. |
No due Certificate |
Rs.25/- per certificate and NO charges for Govt. sponsored schemes. |
| 4. |
Solvency Certificate |
Upto Rs.10.00 lakhs - Rs.2000/- and Above 10 lakhs but below Rs.50
lakhs - Rs.3000/- and Above Rs.50 lakhs - Rs.5000/- |
| 5. |
Charges for late payment of EMI |
Penal interest of 2% on overdue amount( Upto Rs.25000/- NIL) |
Penal interest of 2% on overdue amount( Upto Rs.25000/- NIL) |
Cheque Bounce Beyond the grace period of 1 week from due
date, penal interest of 24% PA on the overdue amount for the no. of days
payment gets delayed Penal interest of 2% on overdue amount( Upto Rs.25000/-
NIL) |
Penal interest of 2% on overdue amount( Upto Rs.25000/- NIL) |
Penal interest of 2% on overdue amount( Upto Rs.25000/- NIL) |
Penal interest of 2% on overdue amount( Upto Rs.25000/- NIL) |
| 6. |
Charges for changing from fixed to floating rates of interest |
NA |
NA |
Only floating rate is available |
NA |
NA |
NA |
| 7. |
Charges for changing from float to fixed rates of interest |
NA |
NA |
Only floating rate is available |
NA |
NA |
NA
|
