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Schedule of
Charges

Schedule of Charges –
Unsecured Business Loans

Type of
Charges (in ₹ )
transaction

A. LOAN
PROCESSING
FEE

Loan Applied
(first loan or
Upto 4% of the loan amount
any
applied
incremental
loan)

Refund of Pre Sanction –fee paid less ₹

Processing 10,000/- as administrative
Fee charges Post Sanction – Nil

Application
Fees / Initial
As applicable from time to time
Money
Deposit

B.
FORECLOSURE
CHARGES *

Not allowed in the first 12

months of the loan start date
Foreclosure
or 6% of the principal
Charges
outstanding 5% of principal
outstanding

* Please note Protium does not charge foreclosure

charges/ pre-payment penalties on any floating
rate term loan sanctioned for purposes other than
business to individual borrowers, with or without
co-obligant(s). The above part prepayment and
foreclosure charges are subject to the regulatory
requirements and directions prescribed by
Reserve Bank of India from time to time.

C. OTHER CHARGES

Legal Charges At Actuals

Asset Verification Charges At Actuals

Demand Draft Charges At Actuals

Demand Draft Cancellation

₹ 500
Charges

Personal Visit Charges ₹ 500

1% of the
Receipt /
Cash Collection Charges
Collected
Amount

Duplicate NOC ₹ 500

Stamping / Franking Charges At Actuals

Stamping Charges ₹ 250

Foreclosure Letter Issuance

₹ 500
Charges

PDC/ ECS / NACH Bounce

₹ 750
Charges (per presentation)

Repayment Instrument Swap

₹ 1,000
Charges

Instalment Repayment Date

Change (with no other ₹ 1,000
changes)

Modification of loan terms

after first disbursement
Upto 2% of
including but not limited to
outstanding
re-scheduling of loan
principal
repayment terms, addition/
amount
deletion of co-borrower(s),
etc.

Issuance of duplicate income

₹ 500 (per copy)
tax certificate

Statement of account ₹ 750

Document Retrieval ₹ 1,000

₹ 10,000 + rate
of interest from
the date of
Loan Cancellation Charges
disbursement till
date of request
for cancellation

3% pm on
Penal interest Instalment
overdue

* Please note that the above fee and charges are

exclusive of GST or any other government taxes,
levies etc. The above schedule of charges is
subject to change and will be at sole discretion of
Protium. The changes will be available on
Protium’s website.

Schedule of Charges – Property

backed Loans

Type of
Charges (in ₹ )
transaction

A. LOAN
PROCESSING
FEE

Loan Applied
(first loan or
Upto 4% of the loan amount
any
applied
incremental
loan)

Refund of Pre Sanction –fee paid less ₹

Processing 10,000/- as administrative
Fee charges Post Sanction – Nil

Application
Fees / Initial
As applicable from time to time
Money
Deposit

B. PART
PREPAYMENT/
FORECLOSURE
CHARGES *

1) Less than 1 Year of aging: No

Prepayment Allowed.

2) Greater than 1 Year Aging

(i) Prepayment Upto 25% of
Part
Outstanding Principal at the
Prepayment
beginning of the Financial Year:
Charges
0%
(ii) Prepayment above 25% of
Outstanding Principal at the
beginning of the Financial Year:
5%

Not allowed in the first 12

months of the loan start date
Foreclosure
or 6% of the principal
Charges
outstanding 5% of principal
outstanding

* Please note Protium does not charge foreclosure

charges/ pre-payment penalties on any floating
rate term loan sanctioned for purposes other than
business to individual borrowers, with or without
co-obligant(s). The above part prepayment and
foreclosure charges are subject to the regulatory
requirements and directions prescribed by
Reserve Bank of India from time to time.

C. OTHER CHARGES

Legal Charges At Actuals

Technical Charges At Actuals

Demand Draft Charges At Actuals

Demand Draft Cancellation

₹ 500
Charges

Personal Visit Charges ₹ 500

1% of the
Receipt /
Cash Collection Charges
Collected
Amount

Duplicate NOC ₹ 500

₹ 2,000 (Post
closure at the
Document Handling Charges
Branch for more
than 15 days)

Foreclosure Letter Issuance

₹ 500
Charges

CERSAI Security Creation

₹ 500
Charges (each Property)

PDC/ ECS / NACH Bounce

₹ 750
Charges (per presentation)

Repayment Instrument Swap

₹ 1,000
Charges

Instalment Repayment Date

Change (with no other ₹ 1,000
changes)

Modification of loan terms

after first disbursement
Upto 2% of
including but not limited to
outstanding
re-scheduling of loan
principal
repayment terms, addition/
amount
deletion of co-borrower(s),
etc.

Issuance of duplicate income

₹ 500 (per copy)
tax certificate

Upto 2% of
Property Swapping (subject
outstanding
to acceptance of alternate
principal
security by GSFT)
amount

Statement of account ₹ 750

Document Retrieval ₹ 1,000

₹ 10,000 + rate
of interest from
the date of
Loan Cancellation Charges
disbursement till
date of request
for cancellation

2% pm on
Penal interest Instalment
overdue

* Please note that the above fee and charges are

exclusive of GST or any other government taxes,
levies etc. The above schedule of charges is
subject to change and will be at sole discretion of
Protium. The changes will be available on
Protium’s website.

Schedule of Charges –
Equipment backed Loans

Type of
Charges (in ₹ )
transaction

A. LOAN
PROCESSING
FEE

Loan Applied
(first loan or
Upto 4% of the loan amount
any
applied
incremental
loan)

Refund of Pre Sanction –fee paid less ₹

Processing 10,000/- as administrative
Fee charges Post Sanction – Nil

Application
Fees / Initial
As applicable from time to time
Money
Deposit

B.
FORECLOSURE
CHARGES *

Not allowed in the first 12

months of the loan start date
Foreclosure
or 6% of the principal
Charges
outstanding 4% of principal
outstanding

* Please note Protium does not charge foreclosure

charges/ pre-payment penalties on any floating
rate term loan sanctioned for purposes other than
business to individual borrowers, with or without
co-obligant(s). The above part prepayment and
foreclosure charges are subject to the regulatory
requirements and directions prescribed by
Reserve Bank of India from time to time.

C. OTHER CHARGES

Legal Charges At Actuals

Asset Verification Charges At Actuals

Demand Draft Charges At Actuals

Demand Draft Cancellation

₹ 500
Charges

Personal Visit Charges ₹ 500

1% of the
Receipt /
Cash Collection Charges
Collected
Amount

Duplicate NOC ₹ 500

₹ 2,000 (Post
closure at the
Document Handling Charges
Branch for more
than 15 days)

Foreclosure Letter Issuance

₹ 500
Charges

CERSAI Security Creation

₹ 500
Charges (each Equipment)

PDC/ ECS / NACH Bounce

₹ 750
Charges (per presentation)

Repayment Instrument Swap

₹ 1,000
Charges

Instalment Repayment Date

Change (with no other ₹ 1,000
changes)

Modification of loan terms

after first disbursement
Upto 2% of
including but not limited to
outstanding
re-scheduling of loan
principal
repayment terms, addition/
amount
deletion of co-borrower(s),
etc.

Issuance of duplicate income

₹ 500 (per copy)
tax certificate

Statement of account ₹ 750

Document Retrieval ₹ 1,000

₹ 10,000 + rate
of interest from
the date of
Loan Cancellation Charges
disbursement till
date of request
for cancellation

3% pm on
Penal interest Instalment
overdue

* Please note that the above fee and charges are

exclusive of GST or any other government taxes,
levies etc. The above schedule of charges is
subject to change and will be at sole discretion of
Protium. The changes will be available on
Protium’s website.

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