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Loan Charges


Schedule of Charges:
Nature of Charges HL/LAP/MSE LAP
Processing fees details

Min: 0.25% of the loan amount or Rs. 5,000/- whichever is higher plus applicable taxes.

Max: 2.5% of the loan amount plus applicable taxes.

Prepayment Charges (Floating rate loans to individuals for other than business use)


Full Prepayment Charges (For fixed rate loans, floating rate loan to non-Individual Borrowers and individual borrowers for business purpose) upto 6% of loan outstanding (loan outstanding as on date of closure + prepayments made in last 12 months from the date of closure) plus applicable taxes
Part Prepayment Charges (for fixed rate loans and floating rate loans to nonindividual borrowers and Individual Borrowers) upto 6% of the amount prepaid plus applicable taxes
Cheque Bounces Charges / EMI return charges Rs. 750 
Penal Charges /Late Payment Charges upto 3% per month
Repayment Instrument /Cheque Swap Charges Rs. 500 plus applicable taxes
Loan Statement Charges  Nil for 1 statement every half year. Upto Rs. 500 plus applicable taxes thereafter
NOC Issuance Charges  Nil for first NOC, Rs. 500 plus applicable taxes thereafter
Document retrieval charges (per advice) Rs. 500 plus applicable taxes
Loan cancellation charges upto Rs. 2000 plus applicable taxes plus interest to be serviced from the date of disbursement to the date of cancellation
Switch charges (for change in the ROI / Rate Type / Margin) 1% of the outstanding loan amount plus taxes
CERSAI Registration Charges Rs.100 for a loan above Rs.5 lakh and Rs.50 for loan upto Rs.5 lakh plus applicable taxes
Loan Reschedulement charges upto 0.50% of the loan outstanding plus applicable taxes
Any other charges As per actuals or as decided by the management from time to time
Above charges shall apply, unless specifically communicated by the Company otherwise at the time of sanction. Charges are subject to change and shall be updated on Company's website


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