| SCHEDULE OF CREDIT RELATED SERVICE CHARGES |
| A. RETAIL CREDIT |
| SN |
Schemes |
Processing Fees/ Upfront Fees |
Documentation Charges |
Inspection 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/- |
₹250/- |
| |
Takeover of Loan ₹2500/- |
|
| 1.2 |
Overdraft to Existing Housing Loan Borrowers |
0.50% |
₹450/- |
NIL* |
| 2. VEHICLELOAN |
| 2.1 |
Car Loan |
0.50% of Loan Amount; Maximum: ₹6,000/- |
₹100/- |
| 2.2 |
Two Wheeler |
₹275/- |
₹275/- |
₹50/- |
| 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/- |
₹250/- |
| 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/- |
NIL* |
| 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/- |
250/- |
| |
|
₹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 FOR KCC |
| 1.1 |
Processing Fee For KCC(Fresh/ Renewal/Enhancement) |
| Exposure |
Charges |
| Up to ₹ 3 Lakh |
NIL* |
| Above ₹ 3 Lakh |
₹300/- per Lakh or part thereof |
| *Expenses other than Processing Fees (i.e. CIC/ CERSAI/ Insurance etc.) wherever applicable shall be borne by the borrower as applicable for other categories of loan. |
|
| 1.2 |
- No processing fee shall be levied for borrowers who have been issued Kisan Credit Card against the securities of Govt. securities, UTI, Mutual Fund Units, FDR, NSCs, KVPs, IVPs and IRDP or other such liquid securities and in case of SHG/JLG, below poverty line. Further, no processing fee/ service charges/ ledger folio charges are to be levied in respect of borrowers who have been issued Kisan Credit Card against the security of FDR, NSCs, KVPs or other such liquid securities.
- Processing fee in KCC is to be levied at the time of sanction/disbursement of loan and subsequently at the time of enhancement/renewal. Renewal under KCC scheme is to be done after a period of 5 years.
- NIL ledger folio charges in case of Kisan credit card upto ₹ 3 Lakh.
- If validity of sanction is beyond one year, as in case of KCC etc. to farmers, the processing fee is to be charged maximum for one year only at the time of sanction irrespective of the validity period of sanction.
- No processing fee is to be charged in case of review of the limits during the period of validity of sanction.
- However, in case of enhancement of limits before validity period of sanction or at the time of renewal, processing fee shall be charged as per existing rates.
|
| 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 (Exclusive of GST & CESS) |
| 3.1 |
Documentation Charges |
| Exposure |
Charges |
| Up to ₹ 3 Lakh |
NIL* |
| Above ₹ 3 Lakh |
₹ 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. |
|
| B. 2. INSPECTION/SUPERVISION CHARGES FOR KCC |
| 2.1 |
Inspection/ Supervision Charges For KCC |
| Exposure |
Inspection Charges |
| Up to ₹ 5.00 Lakh- |
NIL* |
| Above ₹ 5.00 Lakh to ₹ 10 Lakh |
0.10%; Min ₹ 1000/- |
| Above ₹ 10 Lakh & upto ₹ 50 Lakh |
0.10% of loan amount and maximum ₹2,500/- p.a. |
| Above ₹ 50 Lakh & upto ₹ 1 Crore |
₹2,500 + 0.10% of loan amount above ₹50 Lakh and maximum ₹6,000/-pa |
| Above ₹ 1 crore & upto ₹ 5 crore |
₹6,000 + 0.05% of loan amount and maximum ₹18,000/-pa |
| Above ₹ 5 crore & upto ₹ 10 crore |
|
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