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