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Loan Charges
Description of Charges
1
Processing fees
2 % + Applicable Taxes
2
Part Prepayment Charges
1.25% + Applicable Taxes if more than three part prepayments are made during the year. Note:- a) Minimum two EMI's are required to be paid at the time of each part prepayment b) Not more than 25% of the principal outstanding at the beginning of the financial year i.e. April 1st, can be part prepaid in a year. 4% + Applicable Taxes shall apply on part prepayment exceeding above 25%. c) No part prepayment is allowed within first twelve months of final loan disbursement.
3
Prepayment Charges (Full)
Prepayment charges shall be applicable on all payments, other than EMI, made towards principal sum in the last 12 months from intended date of prepayment. Foreclosure allowed after 12 months of final loan disbursement.
4
Cheque Bounce Charges
Rs. 750 + Applicable Taxes
5
Late Payment Charges
3% per month
6
Cheque swap charges
Rs. 500 + Applicable Taxes
7
Loan Reschedulement charges
0.25% of loan outstanding + Applicable Taxes
8
Loan statement charges (nil for 1 statement every half yearly)
Rs. 500 + Applicable Taxes
9
NOC issuance charges (nil for first NOC)
Rs. 500 + Applicable Taxes
10
Document retrieval charges (per advice)
Rs. 500 + Applicable Taxes
11
ECS/Loan Cancellation charges
Rs 2000 + Applicable Taxes plus interest charges from disbursement date till cancellation request
12
Switch charges (For Change in Rate Type or for change in Margin)
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