| Consumer Assets |
Home Loans including NRI Home Loans |
Home Equity |
Loan against Commercial Property |
Auto Loan |
Commercial Vehicle / Construction Equipment |
Education Loan |
Personal Loans |
| Loan Processing Charges |
0.50% of the loan applied or Rs.5,000/- whichever is higher along with the applicable Service Tax |
1.00% of Loan Applied or Rs.10000/- whichever is higher along with the applicable Service Tax |
1.00% of Loan Applied or Rs.10000/- whichever is higher along with the applicable Service Tax |
Upto Rs 4000/- |
Upto Rs. 2000/- |
NIL |
2% of the loan sanctioned or Rs.1,000/- whichever is higher. |
| Part - Payment Charges |
a) Nil where the loan is linked to fully floating rate of interest and has completed 6 months after full and final disbursement.
b) 3% in all the other cases |
a) 3% of the Outstanding Principal will be charged if Part Payment amount is less than thrice the EMI amount or exceeds 25% of the Outstanding Principal in a financial year.
b) Allowed only after completion of 6 months from the date of full and final disbursement. |
a) 3% of the Outstanding Principal will be charged if Part Payment amount is less than thrice the EMI amount or exceeds 25% of the Outstanding Principal in a financial year.
b) Allowed only after completion of 6 months from the date of full and final disbursement. |
No part payment allowed |
No part payment allowed |
NIL |
4% of the principal amount is being paid if the loan is foreclosed within 12 months of making the part payment then the part payment made will also be charged . Part payment is allowed upto 25% of the principal outstanding in a financial year without charges. Partial payment shall not be permitted until the completion of at least 6 EMIs. |
| Foreclosure Charges |
a) Nil foreclosure charges applicable for fully floating rate home loans where the loan has completed 6 months after full and final disbursement
b) 3% of the Outstanding Principal will be charged if the loan is pre-closed within part disbursal stage and within 6 months of full and final disbursement.
c) 2% of the Outstanding Principal will be charged in all other cases |
a) 3% of (Outstanding Principal + Part Payments made during the last twelve months)
b) Allowed only after completion of 6 months from the date of full and final disbursement |
a) 3% of (Outstanding Principal + Part Payments made during the last twelve months)
b) Allowed only after completion of 6 months from the date of full and final disbursement |
3% of the Outstanding Principal Amount. Not allowed uptill 6 months of the disbursal |
4% of the principal outstanding if the foreclosure made with in 12 months post full and final disbursement. 2% of the principal outstanding if the foreclosed after 12 months from the date of disbursement |
NIL |
4% of Principal outstanding balance. Allowed only after completion of minimum 6 months from the date of disbursement |
| Conversion charges |
1% of the Loan Amount Outstanding |
1% of the Loan Amount Outstanding |
1% of the Loan Amount Outstanding |
NA |
NA |
NIL |
NA |
| Cheque Bounce Charges |
Rs.250 + Service Tax |
Rs.250 + Service Tax |
Rs.250 + Service Tax |
Rs.250 + Service Tax |
Rs.250 + Service Tax |
Rs.250 + Service Tax |
Rs.250 |
| Charges for late payment of EMI |
2 % per month on the amount of overdue EMI / (Pre – EMI) will be charged for the number of days the payments get delayed. |
2 % per month on the amount of overdue EMI / (Pre – EMI) will be charged for the number of days the payments get delayed. |
2 % per month on the amount of overdue EMI / (Pre – EMI) will be charged for the number of days the payments get delayed. |
2 % per month on the amount of overdue EMI / (Pre – EMI) will be charged for the number of days the payments get delayed. |
2 % per month on the amount of overdue EMI / (Pre – EMI) will be charged for the number of days the payments get delayed. |
2 % per month on the amount of overdue EMI / (Pre – EMI) will be charged for the number of days the payments get delayed. |
2 % per month on the amount of overdue EMI will be charged for the number of days the payments get delayed. |
| Photocopy of Property Documents |
Rs. 500 /- per event |
Rs. 500 /- per event |
Rs. 500 /- per event |
NA |
NA |
NA |
NA |
| Duplicate Statement |
Rs. 100/- |
Rs. 100/- |
Rs. 100/- |
Rs. 100/- |
Rs. 100/- |
Rs. 100/- |
Rs. 100/- |
| Cheque Swap Charges |
Rs. 500 per event of Cheque Swap |
Rs. 500 per event of Cheque Swap |
Rs. 500 per event of Cheque Swap |
Rs. 500 per event of Cheque Swap |
Rs. 500 per event of Cheque Swap |
Rs. 500 per event of Cheque Swap |
Rs. 500 per event of Cheque Swap |
| Cheque Collection from Customer's Place |
Rs. 250/- |
Rs. 250/- |
Rs. 250/- |
Rs. 250/- |
Rs. 250/- |
Rs. 250/- |
Rs.250/- |
| Duplicate Interest Certificate |
Rs. 100/- |
Rs. 100/- |
Rs. 100/- |
NA |
NA |
NA |
NA |
| Property Swap |
Rs. 10000/- per event of Property Swap within the same project after partial disbursement. If it is a different project, full Processing Fee will be collected and not property swap charge. |
NA |
NA |
NA |
NA |
NA |
NA |
| No Due Certificate |
NIL |
NIL |
NIL |
NIL |
NIL |
NIL |
NIL |
| Solvency Certificate |
NIL |
NIL |
NIL |
NIL |
NIL |
NIL |
NIL |
| CIC Report Charges |
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| Consumer |
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| CIR |
Rs.200/- + Applicable Taxes |
Rs.200/- + Applicable Taxes |
Rs.200/- + Applicable Taxes |
Rs.200/- + Applicable Taxes |
Rs.200/- + Applicable Taxes |
Rs.200/- + Applicable Taxes |
Rs.200/- + Applicable Taxes |
| CIR + Credit Scores |
Rs.550/- + Applicable Taxes |
Rs.550/- + Applicable Taxes |
Rs.550/- + Applicable Taxes |
Rs.550/- + Applicable Taxes |
Rs.550/- + Applicable Taxes |
Rs.550/- + Applicable Taxes |
Rs.550/- + Applicable Taxes |
| Commercial |
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| CIR |
Rs.1000/- + Applicable Taxes |
Rs.1000/- + Applicable Taxes |
Rs.1000/- + Applicable Taxes |
Rs.1000/- + Applicable Taxes |
Rs.1000/- + Applicable Taxes |
Rs.1000/- + Applicable Taxes |
Rs.1000/- + Applicable Taxes |