SCHEDULE OF CREDIT RELATED SERVICE CHARGES
|
A. RETAIL CREDIT
|
SN |
Schemes |
Processing Fees/ Upfront Fees |
Documentation Charges |
A. 1. HOUSING LOAN
|
1.1 |
Housing Loan |
For Loan Amount upto ₹300 Lakh-0.50% of loan amount, Maximum: ₹20,000/-
For Loan Amount above ₹300 Lakh- ₹50,000/-
|
₹1350/- |
|
Takeover of Loan ₹2500/-
|
1.2 |
Overdraft to Existing Housing Loan Borrowers
|
0.50% |
₹450/- |
2. VEHICLELOAN
|
2.1 |
Car Loan
|
0.50% of Loan Amount;
Maximum: ₹6,000/-
|
2.2 |
Two Wheeler
|
₹275/-
|
₹275/-
|
3. EDUCATION LOAN
|
3.1 |
Education Loan
|
For Studies in India- NIL
For Studies Abroad- 1.00%, Min. ₹10,000/-, which shall be refundable on availment of loan
|
₹500/-
|
4. PERSONAL LOAN
|
4.1 |
Personal Loan Scheme for Public
|
1.00% of loan amount
|
₹500/-
|
4.2 |
PUPGB Doctor’s Delight- Personal Loan Scheme for Doctors
|
1.00% of loan amount
|
₹500/-
|
4.3 |
Personal Loan to Pensioners
|
NIL
|
For Loan upto ₹2 Lakh-: ₹270/-
For Loan over ₹2 Lakh- ₹450/-
|
5. ADVANCEAGAINSTMORTGAGEOFIMMOVABLEPROPERTY
|
5.1 |
Advanceagainstmortgageofimmovableproperty.
(TL/OD)
|
For TL: 0.90% of the loan amount. Maximum
|
₹900/-
|
|
|
₹45,000/-(to be recovered at the time of sanction only)
For OD:₹300/- per lakh or part thereof, Maximum- ₹25,000/- (to be recovered annually)
|
|
B. AGRICULTURE CREDIT
|
S. No |
Particulars
|
Charges |
1. PROCESSING FEE
|
1.1 |
Processing Fee(Fresh/ Renewal/Enhancement)
|
Exposure
|
Charges
|
Up to₹1Lakh |
NIL* |
Above ₹1 Lakh & upto ₹2 Lakh |
₹500/- |
Above₹2Lakh |
₹300/- per Lakh or part thereof |
Note:
*ExpensesotherthanProcessingFees(i.e.CIC/CERSAI/Insuranceetc.)wherever
applicableshall be borne by theborrower as applicable for other categories
of loan.
|
|
5. 2. UPFRONT FEE
|
2.1 |
Upfront Fee for Fresh Term Loans
|
Exposure
|
Charges
|
Upto₹25,000/- |
NIL* |
Above₹25,000/-& upto₹2 Lakh |
₹500/- |
Above ₹2 Lakh & upto ₹50 Crore |
1.50% of the loan amount minimum ₹500/- |
Note:
*ExpensesotherthanProcessingFees(i.e.CIC/CERSAI/Insuranceetc.)wherever
applicableshall be borne by theborrower as applicable for other categories
of loan.
|
|
3. DOCUMENTATION CHARGES
|
3.1 |
Documentation
Charges
|
Exposure
|
Charges
|
Upto₹1Lakh |
NIL* |
Above₹1Lakh & upto₹2 Lakh |
₹200/- |
Above₹2Lakh |
₹400/- per Lakh or part thereof
Maximum: ₹50,000/-
|
|
5. 2. UPFRONT FEE
|
S. No |
Particulars
|
Charges |
1. PROCESSING FEE (EXCLUDING RETAIL CREDIT/ AGRICULTURE CREDIT)
|
2.1 |
For Fund Based/ Non Fund Based Working Capital Limits
(Fresh/ Renewal/ Enhancement)
|
Exposure
|
Charges
|
Upto ₹25,000/- |
NIL* |
Above ₹25,000/- & upto ₹2 Lakh |
₹500/- |
Above ₹2 Lakh |
₹300/- per lakh or part thereof |
*Expenses other than Processing Fees (i.e.CIC/CERSAI/Insuranceetc.) wherever applicable shall be borne by the borrower for other categories of loans.
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