|
Regular/Term Loan |
Regular/Term Loan (NO PF/FC) |
Overdraft |
Parameters |
Agri |
Non-Agri |
Agri (SO_LNAPG) |
Non-agri
(SO_LRGMI) |
Agri |
|
(PGLOD) |
LTV |
75% |
75% |
75% |
75% |
75% |
ROI (MCLR rate + spread) |
8.75%+8.25% = 17% |
8.75%+8.25%=17% |
8.75%+10.25%=19% |
8.75%+10.25%=19% |
8.75%+8.25% = 17% |
Processing Fee (Fresh) |
0.50% |
0.50% |
NIL |
NIL |
0.50% |
Minimum limit |
Rs.25,001/- |
Maximum limit |
Rs.25,00,000/- |
Accounts limit |
5 Accounts per Cust ID |
Foreclosure Fee- |
2% for 0-6months |
2% for 0-6months |
NIL |
NIL |
2% for 0-6months |
Nil for >6 months |
Nil for >6 months |
Nil for >6 months |
Nil for Renewals |
Nil for Renewals |
Nil for Renewals |
|
|
|
|
Renewal Fee (PF) |
0.50% |
0.50% |
0.50% |
NIL |
NIL |
0.50% |
Valuation Fee |
Minimum - Rs.500 Maximum - Rs.1500 |
Penal Interest |
6% p.a. |
Part Payment charges |
Nil |
Stamp Duty |
As per applicable state laws |
Cheque book Issuance: No. of Cheque books Free |
NA |
First 100 leaves free (for new borrower account) |
Additional Cheque book Fee |
NA |
Rs 2/- per leaf |
Inward Cheque return- Financial Reasons |
NA |
Rs 500/- per cheque +GST
Charges on return of cheques deposited at home branch for local clearing |
Stop Payment Instructions: Cheque |
NA |
Per instrument Rs 50/- per instrument + GST
Per Series Rs 100/- per series per instruction + GST |
Current prevailing rate:
Fixed Rate Loan |
1 year MCLR |
Spread over 1 year MCLR |
Effective Interest Rate |
Reset |
Gold Loan |
8.75% |
8.25% |
17% |
No Reset |
Goods and Services tax (GST) will be charged extra as per the applicable rates, on all the charges and fees (wherever GST is applicable)
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