Service Charge

Description

Charges

UPFRONT CHARGES (CHARGES BEFORE/DURING DISBURSEMENT)

:

LAP

BL/SME

Gold Loan

Pay Aram Se

1

Login Fees

Rs. 1350

NIL

NIL

NIL

2

Processing Charges

Upto 2% + GST (on the sanctioned value) to be collected before disbursement ordeducted from first disbursement, as per customer's consent

Upto 2% + GST (on the sanctioned value) to be collected before disbursement ordeducted from first disbursement, as per customer's consent

Upto 0.50% + GST (on the sanctioned value) to be collected before disbursement or deducted from first disbursement, as per

customer's consent

Upto 2% + GST (on the sanctioned value) to be collected before disbursement ordeducted from first disbursement, as per customer's consent

3

Document Charges

Upto 2% + GST (on the sanctioned value) to be collected before disbursement ordeducted from first disbursement,

as per customer's consent

Upto 2% + GST (on the sanctioned value) to be collected before disbursement ordeducted from first disbursement,

as per customer's consent

Rs. 118/-

NIL

4

Non postal stamp/ stamp duty

As applicable law of the state

As applicable law of the state

Rs.140/-

NIL

5

Vetting Charges

Rs.350/-

NIL

NIL

NIL

Legal Verification

Report

Rs.1100/-

Search Report

Rs.50/-

6

RCU Charges(If Applicable)

Upto Rs.1000/-+ GST

Upto Rs.1000/-+ GST

NA

Upto Rs.1000/-+ GST

7

Valuation/Technical Fee

Rs. 2000/- for each report

Rs.500/- +GST

8

CERSAI: At the time of Disbursement: Creation of Charge

Rs. 100/- + GST (for loans above 5 Lacs) and;

Rs. 50/- + GST (for loans upto 5 lacs) or as per the

charges levied by CERSAI

NA

NA

NA

9

Post Disbursement Document (PDD) Charges

NIL

NIL

NIL

NIL

CUSTOMER SERVICE CHARGES:

1

CERSAI: modification of charge (in case oftop up)

Rs. 100/- + GST (for loans above 5 Lacs) and;

Rs. 50/- + GST (for loans upto 5 lacs) or as per the charges levied by CERSAI

NA

NA

NA

2

Part-Prepayment

/Foreclosure Charges on loan

For any loan sanctioned for business purpose to Individual and/or Non- Individual borrowers with or without co- borrower(s), charges shall be payable on account of part or full prepayments made through any sources. Charges applicable as under:

For any loan sanctioned for business purpose to Individual and/or Non- Individual borrowers with or without co- borrower(s), charges shall be payable on account of part or full prepayments made through any sources. Charges applicable as under:

NIL

For any loan sanctioned for business purpose to Individual and/or Non- Individual borrowers with or without co- borrower(s), charges shall be payable on account of part or full prepayments made through any sources. Charges applicable as under:

5% + GST as applicable, Pre-payment Charges would be levied on full or part principle o/s being pre-paid.

3% +GST as applicable, Pre-payment Charges would be levied on full or part principle o/s being pre-paid.

3% +GST as applicable, Pre-payment Charges would be levied on full or part principle o/s being pre-paid.

3

Cheque/ ECS/ACH bounce charges (Per instrument/ Transaction)

Rs. 500/- plus GST, if applicable

Rs. 500/- plus GST, if applicable

NIL

Rs. 500/- plus GST, if applicable

4

Delay Payment Charges

24% per annum for no. of days delayed in EMI/PEMI from due date plus GST,if applicable

24% per annum for no. of days delayed in EMI/PEMI from due date plus GST,if applicable

NIL

36% per annum for no. of days delayed in EMI/PEMI from due date plus GST,if applicable

5

Duplicate No dues Certificate

NIL

NIL

NIL

NIL

6

Copy of property Papers

Rs. 1000/- + GST

NIL

NIL

NIL

7

Cancellation Charges / Fees

1. If request received within 7 days of the disbursement: only Rs. 1250/- + GST

   (cancellation Charges).

2. If request received after 7 days of the Disbursement: Rs. 1250/- + GST

(cancellation Charges) & PEMI till the cancellation

request

1. If request received within 7 days of the disbursement: only Rs. 1250/- + GST

   (cancellation Charges).

2. If request received after 7 days of the Disbursement: Rs. 1250/- + GST

(cancellation Charges) & PEMI till the cancellation

request

NIL

1. If request received within 7 days of the disbursement: only Rs. 1250/- + GST

   (cancellation Charges).

2. If request received after 7 days of the Disbursement: Rs. 1250/- + GST

(cancellation Charges) & PEMI till the cancellation

request

8

Document Retrieval Charges

Rs. 500/- plus applicable taxes (GST) and/or other statutory levies

Rs. 500/- plus applicable taxes (GST) and/or other statutory levies

NIL

Rs. 500/- plus applicable taxes (GST) and/or other statutory levies

9

Duplicate Annual Account Statement, Provisional

Certificate

NIL

NIL

NIL

NIL

10

Loan Prepayment / Closure (fully) statement

/ SOA/ repayment Schedule Charges

Rs. 500/- + GST

Rs. 500/- + GST

NIL

NIL

11

Collection Follow-up Charges

Upto Rs.1000/-

Upto Rs.1000/-

NIL

Upto Rs.500/-

12

Disbursement Cheque Cancelation & Re- issuance

Rs. 1000/- + GST

(cancellation charges) &

PEMI will be charged

Rs. 1000/- + GST

(cancellation charges) &

PEMI will be charged

Rs. 1000/- + GST

(cancellation charges) &

PEMI will be charged

NIL

13

Disbursement cancelation (Deal Postponed etc.)

1. If request received within 7 days of the disbursement: Rs. 1000/- + GST

   (cancellation Charges)

2. If request received after 7 days of the disbursement: Rs. 1000/-+ GST

(cancellation Charges) &

PEMI till the cancellation request

1. If request received within 7 days of the disbursement: Rs. 1000/- + GST

   (cancellation Charges)

2. If request received after 7 days of the disbursement: Rs. 1000/-+ GST

(cancellation Charges) &

PEMI till the cancellation request

NIL

NIL

14

Cheque/ ACH Swapping charges (per set)

a.

ACH to ACH

Rs. 500/- + GST

Rs. 500/- + GST

NIL

Rs. 500/- + GST

b.

ACH to PDC

Rs. 500/- + GST

Rs. 500/- + GST

NIL

Rs. 500/- + GST

15

Complaint Handling Charges

NIL

NIL

NIL

NIL