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.