Service Charges - Loans and Advances 14 Nov

Service Charges - Loans and Advances
A. Retail Loans
Charges for switching Charge Cersai

Penalty for
Prepayment / loan from fixed to for registration/
Loan Product PF/ Admin fee delayed
Pre-closure charges floating rates and vice CIBIL modification
repayment
versa report charges
Easy Cash
(against 0.15% of limit, subject to
Nil Nil Nil
securities other minimum Rs. 150/-
than deposits)
0.50% of the limit 1) Floating rate loans to
sanctioned with a min of Individuals – Nil
Housing loan Nil Nil
Rs.10000/- and maximum 2) Non-Individuals, Fixed
of Rs.200000/- rate, Overdraft – 3% on
1% of the limit sanctioned the balance outstanding or
Property DP whichever is higher
with a minimum of Nil Nil
Power loan 3) Hybrid Loans – 2% per month
Rs.3000/-
Fixed Rate period- 3% on of the overdue
Two wheelers – 2.50% 0.25% of the balance
the balance outstanding or portion
(minimum Rs.2500/-) outstanding / Drawing
DP whichever is higher Additional
Floating Rate period power whichever is
New Car Loans: penal interest
a) Term loans to higher
Personal Car Upto Rs.5Lakh -Rs.2000/- applicable for
Individuals –Nil Nil Nil
loan Above Rs.5.00L-Rs.4500/- SMA accounts
b) Non – Individuals,
overdraft loans - 3% on
Used Car Loans:
the balance outstanding or
Upto Rs.5Lakh -Rs.3000/-
DP whichever is higher.
Above Rs.5.00L-Rs.5500/-
Floating Rate Schemes –
Nil
Fixed Rate schemes-
Personal loan Upto 3% Nil Nil
(Excluding Byom Loans )
3%
Charges for switching Charge Cersai

Penalty for
Prepayment / loan from fixed to for registration/
Loan Product PF/ Admin fee delayed
Pre-closure charges floating rates and vice CIBIL modification
repayment
versa report charges
For studies in India – NIL 2% per month 0.25% of the balance
Floating rate loans to
Special Vidya For studies abroad - 0.25 of the overdue outstanding / Drawing
Individuals – Nil Nil Nil
Loan % of the loan amount portion. power whichever is
Others – 3%
(Maximum of Rs.2500) Additional penal higher
Floating rate loans to interest
Career 0.25% of loan amount -
Individuals – Nil applicable for Nil Nil
Solution Loan Minimum Rs.1000/-
Others – 3% SMA accounts
Notes: Loan late payment charges: Charged @2% per month of the overdue portion of the loan amount, due for more than 30days.
Documentation Charges applicable on Retail Loans

Loan Amount Documentation Charges
Upto Rs. 2 Lakhs Nil
Rs 2 L - Rs 10 L 500/-
Rs 10 L- Rs 30 L 1000/-
Rs 30 L -Rs 50 lakhs 2500/-
Rs 50 Lakhs-Rs 1 Cr 5000/-
More than Rs 1 Cr 10000/-
1. Loans availed by staff members (both existing and retired), Interest subvention schemes, Gold loans, Govt. sponsored schemes other than
NABARD assisted schemes will be exempted.
SMA penal Interest
Category Penal interest*
SMA 0 (Principal or interest payment overdue for not more than 30 days ) NA
SMA 1 (Instalment or interest overdue between 31-60 days) 0.50% of the remaining portion of loan amount
SMA 2 (Instalment or interest overdue above 60 days, till classification as NPA) 1% for the remaining portion of loan amount
NPA (Instalment or interest overdue above 90 days) 2% on entire balance outstanding thereof.
*Calculated based on the actual number of days the account is in SMA1/SMA2 status during a month
➢ Note: GST applicable on all the applicable charges will be additional.

B. SME Products
Prepayment Charges CIBIL
Loan Type of Penalty for delayed
P F / Admin fee charges for CIBIL Detect Commitment charges
Product Loan repayment as Penal
(Exempted types report* Charge
Interest w.e.f 01.04.2021*
refer #Notes 2)
4% p.a of overdue portion.
Commercial Additional penal interest
Term 1.00% of the Refer #Notes 50% of processing fee
Vehicle Loan applicable for SMA Rs.1200/ Rs.15/-
Loans sanctioned limit 1(point no. c) (for un availed loans)
scheme accounts. (Ref SMA Penal
interest)
Loan @ ease
– OD against OD Nil Nil Nil Nil Nil Nil
deposit
Loan @ease
0.15% of the limit Additional penal interest
against
OD subject to minimum Nil applicable for SMA Nil Nil Nil
approved
of Rs. 1000 /-. accounts. (Ref SMA Penal
securities
interest)
Business
Additional penal interest
Loan Scheme Term 1.00% of the Refer #Notes 50% of processing fee
applicable for SMA Rs.1200/ Rs.15/-
to Medical Loans sanctioned limit 1(point no. c) (for un availed loans)
accounts. (Ref SMA Penal
Professionals
interest)
a) 0.15% per quarter for the
entire unutilized portion,
collected on a quarterly basis,
3% of the Limit 4% p.a of overdue portion.
1%+GST of the limit sanctioned for all loans above Rs.5 Lakhs,
Loan Scheme Additional penal interest
if utilization falls below 75%
for Textile CC on sanction (including adhoc applicable for SMA Rs.1200/ Rs.15/-
of the limit. (b) For non-
Sector 0.5%+GST of the limit if accounts. (Ref SMA Penal
availment of limits sanctioned
limit on renewal sanctioned) interest)
, 50% of the Processing Fee
shall be collected as
commitment charges

refer #Notes 2)
Term 1.00% of the Refer #Notes 50% of processing fee (for un

Rs.1200/ Rs.15/-
Loan sanctioned limit 1(point no. c) availed loans)

entire unutilized portion, to
be collected on a quarterly
3% of the Limit basis, for all loans above Rs. 5
1%+GST of the limit sanctioned Lakhs, if utilization falls below
OD/CC
(including adhoc 4% p.a of overdue portion. Rs.1200/ Rs.15/- 75% of the limit.
on sanction
limit if Additional penal interest (b) For non availment of limit
CGTMSE 0.5%+GST of the sanctioned) applicable for SMA sanctioned, 50% of the
Power limit on renewal accounts. (Ref SMA Penal Processing Fee shall be
interest) collected as commitment
charges.
For non availment of limits
1.00% of the sanctioned, 50% of the
Term Refer #Notes
sanctioned limit Rs.1200/ Rs.15/- Processing Fee shall be
loan 1(point no. c)
collected as commitment
charges
DL/TL/ 4% p.a of overdue portion.
1.00% of the limit
Federal Rent OD with Additional penal interest
(Min Rs.2500/-), Refer #Notes 50% of processing fee
Securitisation diminishi applicable for SMA Rs.1200/ Rs.15/-
0.50% -If lessee is 1(point no. c) (for un availed loans)
Loan ng DP accounts. (Ref SMA Penal
our Bank Min. Rs.500
interest)

refer #Notes 2)

1.00% of the limit be collected on a quarterly
sanctioned, at the 3% of the Limit 4% p.a of overdue portion. basis, for all loans above Rs. 5
OD time of fresh sanctioned Additional penal interest Lakhs, if utilization falls below
Fed SME Rs.1200/
sanction & at time (including adhoc- applicable for SMA Rs.15/- 75% of the limit.
Clean OD
of renewal 0.50% limit if accounts. (Ref SMA Penal (b) For non availment of
of the limit sanctioned) interest) limits sanctioned, 50% of the
renewed. Processing Fee shall be
charges.
1.00% of the limit
3% of the Limit 4% p.a of overdue portion. basis, for all loans above Rs. 5
sanctioned, at the
sanctioned Additional penal interest Lakhs, if utilization falls below
time of fresh Rs.1200/
LAP-OD OD (including adhoc- applicable for SMA Rs.15/- 75% of the limit.
sanction & at time of
limit if accounts. (Ref SMA Penal (b) For non availment of
renewal 0.50% of the
sanctioned) interest) limits sanctioned, 50% of the
limit renewed.
Processing Fee shall be
charges.
1.00% of the limit 3% of the Limit
4% p.a of overdue portion. entire unutilized portion, to
sanctioned, at the sanctioned
Additional penal interest be collected on a quarterly
Contractor time of fresh (including adhoc- Rs.1200/
CC applicable for SMA Rs.15/- basis, for all loans above Rs. 5
Plus scheme sanction & at time of limit if
accounts. (Ref SMA Penal Lakhs, if utilization falls below
renewal 0.50% of the sanctioned)
interest) accounts 75% of the limit.
limit renewed.
(b) For non availment of

refer #Notes 2)
limits sanctioned, 50% of the
charges.
1.00% of the limit
sanctioned, at the For non availment of limits
Maximum lending rate for
sanctioned - 50% of the
time of fresh non-priority loans as Rs.1200/
BG/LC NA Rs.15/- Processing Fee shall be
sanction & 0.50% at applicable from time to
time of renewal for time.
charges.
limit renewed.
Term 1.00% of the Refer #Notes Rs.1200/ 50% of processing fee (for un
applicable for SMA Rs.15/-
loans sanctioned limit 1(point no. c) availed loans)
accounts. (Ref SMA Penal
interest)
0.25% of the limit of
each tranche of bill
subject to Max.
Addl. Rs.5000/-(for the 4% p.a of overdue portion.
funding borrowers enjoying Additional penal interest
Rs.1200/
facility WC facility with us)/ NA applicable for SMA Rs.15/- NA
(Demand 1% of the limit of accounts. (Ref SMA Penal
Loan) each tranche of bill interest)
(for the borrowers
not enjoying WC
facility with us)

refer #Notes 2)
OD/CC 1%+GST of the limit sanctioned Additional penal interest
Rs.1200/ Rs.15/-
Lakhs, if utilization falls below
(including adhoc applicable for SMA 75% of the limit.
on sanction
limit if accounts. (Ref SMA Penal (b) For non availment of
0.5%+GST of the sanctioned) interest) limits sanctioned, 50% of the
limit on renewal Processing Fee shall be
Business LAP charges.
4% p.a of overdue portion. For non availment of limits
1.00% of the Additional penal interest sanctioned, 50% of the
Term Refer #Notes Rs.15/-
sanctioned limit applicable for SMA Rs.1200/ Processing Fee shall be
loan 1(point no. c)
accounts. (Ref SMA Penal collected as commitment
interest) charges
1.00% of the limit
For non availment of limits
sanctioned, at the Maximum lending rate for
time of fresh non-priority loans as Rs.15/-
(BG/LC) NA Rs.1200/ Processing Fee shall be
sanction & at time of applicable from time to
renewal 0.50% of the time.
charges.
limit renewed.
1%+GST of the limit 3% of the Limit 4% p.a of overdue portion.
sanctioned Additional penal interest
Quick Biz OD/CC on sanction Rs.15/- basis, for all loans above Rs. 5
(including adhoc applicable for SMA Rs.1200/
0.5%+GST of the Lakhs, if utilization falls below
limit if accounts.
limit on renewal 75% of the limit.
sanctioned) (Ref SMA Penal interest)

refer #Notes 2)
charges
Term 1.00% of the Refer #Notes Rs.15/- 50% of processing fee (for un
applicable for SMA Rs.1200/
loan sanctioned limit 1(point no. c) availed loans)
accounts.
(Ref SMA Penal interest)
1.00% of the limit
sanctioned, at the For non availment of limits
Maximum lending rate for
time of fresh non-priority loans as Rs.15/-
(BG/LC NA Rs.1200/ Processing Fee shall be
sanction & at time applicable from time to
of renewal 0.50% of time.
charges.
the limit renewed.
1.00% of the limit
sanctioned, at the
Federal sanctioned Additional penal interest Lakhs, if utilization falls below
time of fresh Rs.15/-
Arthias CC (including adhoc applicable for SMA Rs.1200/ 75% of the limit.
scheme limit if accounts. (Ref SMA Penal (b) For non availment of
sanctioned) interest) limits sanctioned, 50% of the
limit renewed.
charges.
3% of the Limit 4% p.a of overdue portion. a) 0.15% per quarter for the
GST Lite 1%+GST of the limit sanctioned Additional penal interest Rs.15/- entire unutilized portion, to
OD/CC Rs.1200/
on sanction (including adhoc applicable for SMA be collected on a quarterly
0.5%+GST of the limit if accounts. ( Ref SMA Penal basis, for all loans above Rs. 5

refer #Notes 2)
limit on renewal sanctioned) interest) Lakhs, if utilization falls below
75% of the limit.
charges.
Rs.1200/

sanctioned Lakhs, if utilization falls below
0.25 % of the limit Rs.1200/
CC (including adhoc- Rs.15/- 75% of the limit.
sanctioned
limit if (b) For non availment of
sanctioned) limits sanctioned, 50% of the
Stand up Processing Fee shall be
applicable for SMA
India scheme collected as commitment
accounts.
charges.
( Ref SMA Penal interest).
Term Refer #Notes Rs.1200/ 50% of PF (for un availed

0.50% of the limit Rs.15/-
Loan 1(point no. c) loans)

refer #Notes 2)
Asset Backed TL /DL/

4% of overdue portion.
Loan Scheme OD Refer #Notes Rs.1200/ 50% of processing fee (for un
1% of the limit Additional penal interest Rs.15/-
(Discontinue (Diminish 1(point no. c) availed loans)
applicable for SMA accounts
d scheme) ing DP)
Refer #Notes Rs.1200/ 50% of processing fee (for un
Asset Prime TL/DL 1% of the limit Additional penal interest Rs.15/-
1(point no. c) availed loans)

1%+GST of the limit sanctioned Additional penal interest Lakhs, if utilization falls below
Green Loan Rs.15/-
OD/CC on sanction (including adhoc applicable for SMA Rs.1200/ 75% of the limit.
0.5%+GST of the limit if accounts. ( Ref SMA Penal (b) For non availment of
limit on renewal sanctioned) interest) limits sanctioned, 50% of the
charges.

refer #Notes 2)
Rs.1200/
Asset Power
(Business Prepayment is 4% of overdue portion.
0.50% of the limit
loan to Term permitted. Additional penal interest Rs.1200/ 50% of processing fee
(Min.Rs 500/-) Rs.15/-
professionals Loans No Pre closure applicable for SMA (for un-availed loans)
(Discontinue charges. accounts
d scheme)
1%+GST of the limit sanctioned Lakhs, if utilization falls below
4% p.a of overdue portion. Rs.15/-
OD/CC on sanction (including adhoc Rs.1200/ 75% of the limit.
SGB Biz 0.5%+GST of the limit if (b) For non availment of
applicable for SMA
limit on renewal sanctioned) limits sanctioned, 50% of the
accounts. ( Ref SMA Penal
interest)
charges.
Rs.1200/

refer #Notes 2)
Dealer As per agreement. 50% of the

Rs.1200/
Financing OD As per agreement NIL As per agreement Rs.15/- applicable processing fee (for
Arrangement un availed loans)
Shishu loans - Nil

Loans above
Rs.50000 –1.00% of
4% of overdue portion. 0.15% per quarter of
the limit sanctioned, Rs.1200/ Rs.15/-
OD/CC NIL Additional penal interest unutilized portion, 50% of PF
at the time of fresh
applicable for SMA accounts (for un availed loans)
limit renewed.
Shishu loans - Nil

Term Loans above Rs.1200/ Rs.15/- 50% of processing fee
PMMY NIL Additional penal interest
Loan Rs.50000 – 0.25% of (for un availed loans)
the limit
Shishu loans – Nil

Loans above
Rs.50000 – 1.00% of Maximum lending rate for
Rs.1200/
the limit sanctioned, non-priority loans as Rs.15/-
LC/BG NIL - NA
at the time of fresh applicable from time to
sanction & at time of time.
limit renewed.
• Cibil Charges -(for loans above Rs.2.00L)
SMA penal Interest

Category Penal interest*
SMA 0 (Principal or interest payment overdue for not more than 30 days and /or account
NA
showing signs of incipient stress like 3 or more cheque returns, non-submission of stock
statement beyond 90 days, non-submission of audited financials on time etc.)
0.50% for the remaining portion of loan amount
SMA 1 (Instalment or interest overdue between 31-60 days)
(balance excluding overdue portion)
1% for the remaining portion of loan amount (balance
SMA 2 (Instalment or interest overdue above 60 days, till classification as NPA)
excluding overdue portion)
NPA (Instalment or interest overdue above 90 days) 4% on entire balance outstanding thereof.
*Calculated based on the actual number of days the account is in SMA1/SMA2 status during a month.
Notes:
• Commitment charges: Collected quarterly for limits above Rs.5L where average quarterly utilization is less than 75% of sanctioned limit.
• Details of discontinued schemes also included for reference.
• GST applicable on all the above charges will be additional
Documentation Charges
Rs 2 L - Rs 10 L 500/-
Rs 10 L- Rs 30 L 1000/-
Rs 30 L -Rs 50 lakhs 2500/-
C. Other Loans and Advances

Prepayment options and Penalty for
Charges for
Processing Fee / charges on loans delayed
CIBIL report (for
Loan Product Administration sanctioned / disbursed / repayment Commitment charges
loans above
fee renewed effective from w.e.f
Rs.2.00L)
01st Jan 2018 * 01.04.2021
Loans up to Rs.25,000/- NIL NA NA NA NA
a) 0.15% per quarter for the entire
1.00% of the limit unutilized portion, to be collected
sanctioned, at the CIBIL consumer
3% of the Limit sanctioned on a quarterly basis, for all loans
report- Rs.80/-
time of fresh (including adhoc-limit if 4% of overdue above Rs. 5 Lakhs, if utilization falls
Working capital limit Commercial CIBIL
sanction & at time sanctioned) in case of limit amount below 75% of the limit.
(Other than Agri Loans) Report –Rs.1200/-
of renewal 0.50% closed during the tenure of (b) For non availment of limits
CIBIL Detect
of the limit loan. sanctioned, 50% of the Processing
Charges-Rs.15/-
renewed. Fee shall be collected as
commitment charges.
CIBIL consumer
3% of the Balance
report- Rs.80/-
outstanding or DP (a) For non availment of limits
Term Loan (Other than 4% of overdue per report
whichever is higher or sanctioned, 50% of the Processing
Agri Loans) / Demand 1.00% of limit amount Commercial CIBIL
amount of prepayment in Fee shall be collected as
Loan Report –Rs.1200/-
case of limit closed during commitment charges.
CIBIL Detect
the tenure of loan.
Charges-Rs.15/-
1.00% of the limit
sanctioned, at the
time of fresh
Non-fund based limits sanction & at time NA NA NA NA
of renewal 0.50%
of the limit
renewed.
Advance against
securities other than 0.25% of the limit NA NA NA NA
banks own Deposit (AAS)
#Notes1:
a) MSE loans sanctioned upto ₹5lakhs is exempted from Processing Fee
b) For OD/CC limits closed/taken over which are overdue for renewal: 2% of the sanctioned limit (including adhoc-limit if sanctioned) will be
collected as processing fee
c) For Term Loans closed/taken over before the contracted period.
Completed period after sanctioning Applicable Prepayment penalty at the time of pre-closure
Up to 36 months 3% of the amount prepaid*
>36 months 2% of the amount prepaid*
* Amount prepaid = outstanding balance + overflow amount (if any), as on the date of pre closure.
#Notes2: Categories which are exempted from Prepayment Penalty:

a) Priority sector advances up to and including ₹25000/-
b) Floating rate term loans sanctioned to individuals other than for business purposes
c) Gold loans, Advance against Deposits & approved securities, all Staff loans including FHSS.
d) CDR accounts.
e) Borrowers classified as Micro and Small Enterprises(MSE) coming under the following categories, if closed from own funds
• All floating interest rate loans
• All fixed interest rate loans up to & including the limit of Rs. 50 L
Rs 2 L - Rs 10 L 500/-
Rs 10 L- Rs 30 L 1000/-
Rs 30 L -Rs 50 lakhs 2500/-
NeSL Charges
Service Type Companies Other Commercial Entities Individuals
i) Data Submission Per Loan 1st Loan Record - Rs.327/- 1st Loan record - Rs.163.5/- All Loan Records- Rs.54.5/-
(a) Submission
record of a borrower for each 2-10 Loan Record- Rs.109/- each 2nd onwards - Rs.54.5/- each each
year 11th onwards- Rs.54.5/- each
ii) Default Submission Free Free Rs.54.5/- per instance

i) One Annual Statement Free Free Free
(b) Reports ii) Record of Default Free Free Rs.54.5/- per Report
iii) Other Reports Free Rs.54.5/- per Report Rs.54.5/- per Report
CERSAI Charges
• CERSAI charges will be levied for all loans, where Equitable Mortgage is created, at the rate of Rs.75/- and Rs.150/- for loan of amounts
up to Rs.5 Lakhs and above Rs.5 Lakhs respectively.
• Charges for modification of security interest, at the rate of Rs.75/- and Rs.150/- for loan amounts up to Rs.5 lakhs and above Rs.5 Lakhs
respectively.
• CERSAI Charges for movables at the rate of Rs.75/- and Rs.150/- for loan amounts up to Rs.5 Lakhs and above Rs.5 Lakhs respectively.
• Charges for searching security interest on properties will be Rs.15/-
• Experian Commercial Including CMR charge Rs.1000/-
Inspection Charges (Other than Agri Loans)
Particulars Charges
Inspection Within The Same Panchayat /Municipality/Corporation/10km Limits: Loans
i. Loans up to and inclusive of Rs.25,000/- Nil
ii Loans above Rs.25,000 and Upto Rs.2,00,000 Rs.100 per annum
iii.Loans above Rs.2,00,000 0.005% of limit, with a minimum of Rs.100 and maximum of Rs.500 per inspection
Mudra Loans:
i. Loans upto Rs 200000 Nil
ii. Loans above Rs.200000 and Upto Rs.500000 Rs 100 per Quarter
iii. Loans above Rs.500000 Rs 150 per Quarter
Legal & Pre credit Inspection / verification charges As per actuals
Inspection Beyond The Same Panchayat/Municipality/Corporation/10km Limits
Normal Charges + Actual Expenses incurred for conducting the inspection
Service Charges for issuing NOC/ Credit Opinion (wef 11-08-2019)
Details of borrower Service Charges
Credit Limit less than Rs.10 L Rs.1,000/-
Credit Limit of Rs.10 L and above to Rs.500 L (including Rs.500 L) Rs.5,000/-
Credit Limits above Rs.500 L Rs.20,000/-
Valuation Fees
Branches coming under Network I Branches coming under Network II
Value of the Property
Valuation fee Valuation fee
Up to & including Rs.5 lakhs Rs.1300 Rs.1200
Above `5 Lakh to `10 Lakh Rs.1950 Rs.1800
Above `10 Lakh to `50 Lakh Rs.3900 Rs.6500
Above `50 Lakh to `1 Crore Rs.6500 Rs.7800
Above `1 Crore to `5 Crore Rs.7800 Rs.9750
Above `5 Crore to `25 Crore Rs.9750 Rs.13000
Above Rs.25 Crores Rs.13000 Rs.19500
Commission & SFMS Charges on Bank Guarantee: Refer Forex and Trade Service Charges Schedule
Commission and other charges on Inland Letters of Credit- Refer Forex and Trade Service Charges Schedule
Solvency Charges
Sub-item Issuance Charges
Up to and including Rs.1 Lakh Rs.1,000/-
Above Rs.1 Lakh and up to and including Rs.25 Lakhs Rs.5,000/-
Above Rs.25 Lakhs up to and including Rs.50 Lakhs Rs.7,500/-
Above Rs.50 Lakhs Rs.20,000/-
Switching fees
Charges for switching loan from fixed to floating rates or vice versa 0.25% of the balance outstanding / Drawing power whichever is higher
D. Agri & Gold Loans

Prepayment options and Penalty for delayed repayment
Loan Product P F/ Admin fee
charges w.e.f 01.04.2021
For limits above Rs 25000/-, Pre 4% of overdue portion &
Up to Rs 25,000/- NIL
ACC/ FKC /Agri closure charges @ 3% of the
Above Rs 25,000/- - 1% of the limit additional penal interest
working capital limit sanctioned or balance
subject to a minimum of Rs 1,000/- applicable for SMA accounts
outstanding whichever is higher.
For limits above Rs 25000/-, Pre 4% of overdue portion &
Up to Rs 25,000/- NIL
Term Loan / Demand closure charges @ 3% on
Above Rs 25,000/- - 1% of the limit additional penal interest
loan balance outstanding or DP
subject to a minimum of Rs 1,000/- applicable for SMA accounts
whichever is higher.
Agricultural Loan 4% applicable on all overdue
Against Gold Rs.100 to Rs.1300 Nil
accounts above Rs.25000/-
Ornaments (ADLG)
Processing 4% of overdue portion & additional
Loan Amount
Fee penal interest applicable for SMA
Interest Subvention Up to Rs.25,000 Nil
Nil accounts.
KCC Above Rs.25,000 to Rs. 1 L Rs 1000
Above Rs.1 L to Rs.2 L Rs 2000 Higher Interest Rate @ 12.50% after
Above Rs.2 L Rs 3000 expiry date.
Rs 2 L - Rs 10 L 500/-
Rs 10 L- Rs 30 L 1000/-
Rs 30 L -Rs 50 lakhs 2500/-
Inspection Charge wef 01-11-2022

Loan Amount Charge per inspection
Up to Rs.25,000.00 Nil
Above Rs.25,000.00 and up to Rs. 2 L Rs 200 or *actual cost incurred for conducting inspection whichever is higher + GST.
Above Rs. 2 L and up to Rs. 10 L Rs 350 or actual cost incurred for conducting inspection whichever is higher + GST.
Above Rs. 10 L Rs 1000 or actual cost incurred for conducting inspection whichever is higher + GST.
* Actual Cost – actual expense (TA/Other expenses) incurred for conducting Inspection/Field visit.
Valuation Fees
Branches coming under Network I Branches coming under Network II
Value of the Property
Valuation fee Valuation fee
Up to & including Rs.5 lakhs Rs.1300 Rs.1300
Above 5 Lakh to 10 Lakh Rs.1950 Rs.1950
Above 10 Lakh to 50 Lakh Rs.3900 Rs.6500
Above 50 Lakh to 1 Crore Rs.6500 Rs.7800
Above 1 Crore to 5 Crore Rs.7800 Rs.9750
Above 5 Crore to 25 Crore Rs.9750 Rs.13000
Above Rs.25 Crores Rs.13000 Rs.19500
Review Charge with effect from 15th December 2023.

Schemes Loan Amount Annual/Regulatory Review Fee
Up to Rs.25,000/- NIL
Above Rs.25,000/- to Rs.1 Lakh Rs.100/-
All Agri Loan schemes which is Above Rs.1 Lakh to Rs.3 Lakh Rs.300/-
coming under the purview of Above Rs.3 Lakh to Rs.5 Lakh Rs.500/-
Annual/ Regulatory review Above Rs. 5 Lakh to Rs.10 Lakh Rs.750/-
process. Above Rs.10 Lakh to Rs.25 Lakh Rs.1000/-
Above Rs.25 Lakh to Rs.50 Lakh Rs.1500/-
Above Rs.50 Lakh Rs.2,000/-
Inspection Charges for Loans under Interest Subvention Schemes (other than gold loans) are as tabled below.
Scheme Scheme Codes Amount Inspection Charge
Limits under Interest Subvention Scheme Irrespective of loan
78434, 78492 & 78623 Nil
(other than gold loans) amount
Penalty for delayed repayment for Gold loans (wef. 03/04/2018)

Agri Gold Loans 14.50% applicable from the due date / Penal Interest - 4%
Non Agri Gold Loans 16.50% applicable from the due date / Penal Interest - 4%
Gold loan Processing Fees

Products Applicable Processing Fees (Excluding GST)
NRI Variant: 1% of limit subjected to a Minimum Rs. 500/-
Digi Gold
Digi gold: 0.25% of limit subjected to a Minimum Rs. 500/-
General Gold Loan (Revised wef 01-11-2023) Rs.180 to Rs.270
GL Graded Interest Rate Scheme (Revised wef 20-04-2021) 0.35% of the limit subject to a minimum of Rs 350
Kisan Gold Scheme (Revised wef 01-11-2023) Rs. 530 to Rs.1700
ISS KCC GOLD (Revised wef 20-04-2021) @ 0.80% of sanctioned limit
MSME Gold Loan (Revised wef 01-11-2023) Rs.180 to Rs.270
MSME Gold Loan OD Up to 0.35%
KGL Limited Rs 1900 to Rs 2900
GGL Limited Rs 1500 to Rs 2500
Fed Smart Saver Scheme 0.50% of the limit subject to a minimum of Rs 500
Appraiser Charges for Gold loans (wef 01/11/2023)

Sanctioned Limit Appraiser charges
Up to Rs 25000 Nil
Above Rs 25000 to Rs 50000 Rs.140
Above Rs 50000 to Rs 1 Lakh Rs.200
Above Rs 1 Lakh to Rs 2 Lakh Rs.220
Above Rs 5 Lakh Rs.140 Per Lakh
Security Operation fee

Loan Types Charge amount
OD-Digi-Gold 78459 First 2 security operations in a month- Free
OD-Digi-Gold-NRI 78852 From 3rd security operation onwards Rs 250+GST shall be collected.
Other Permitted Gold loan schemes Rs 250+ GST for each security operation.
Note: GST applicable on all the above charges will be additional.

Service Charges - Loans and Advances 14 Nov

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Service Charges - Loans and Advances 14 Nov

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Service Charges - Loans and Advances

Charges for switching Charge Cersai

Charges for switching Charge Cersai

Documentation Charges applicable on Retail Loans

➢ Note: GST applicable on all the applicable charges will be additional.

Prepayment Charges CIBIL

Term 1.00% of the Refer #Notes 50% of processing fee (for un

a) 0.15% per quarter for the

Prepayment Charges CIBIL

a) 0.15% per quarter for the

Prepayment Charges CIBIL

Prepayment Charges CIBIL

Prepayment Charges CIBIL

Prepayment Charges CIBIL

a) 0.15% per quarter for the

Term Refer #Notes Rs.1200/ 50% of PF (for un availed

Prepayment Charges CIBIL

Asset Backed TL /DL/

a) 0.15% per quarter for the

Prepayment Charges CIBIL

Prepayment Charges CIBIL

Dealer As per agreement. 50% of the

Shishu loans - Nil

Shishu loans - Nil

Shishu loans – Nil

SMA penal Interest

C. Other Loans and Advances

#Notes2: Categories which are exempted from Prepayment Penalty:

ii) Default Submission Free Free Rs.54.5/- per instance

D. Agri & Gold Loans

Inspection Charge wef 01-11-2022

Review Charge with effect from 15th December 2023.

Penalty for delayed repayment for Gold loans (wef. 03/04/2018)

Gold loan Processing Fees

Appraiser Charges for Gold loans (wef 01/11/2023)

Security Operation fee

Note: GST applicable on all the above charges will be additional.

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