Capital E-Saving Digital Accounts
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| Particulars | Processing Fees | Review / Renewal Charges | Inspection Charges | ||||||||||||||||||||||||||||||
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| Auto Loan | Two Wheelers –
1% or Rs.500.00 whichever is higher Other than two wheelers – 0.50% of the loan amount |
Review: Nil Renewal: N.A. |
NIL | ||||||||||||||||||||||||||||||
| Commercial Vehicle/ Transport Loans | 1% of the loan amount | Review: Nil Renewal: N.A. |
NIL | ||||||||||||||||||||||||||||||
| Personal / Consumer Loan | 1.00% Minimum Rs.500.00 whichever is higher | Review: Nil Renewal: N.A. |
NIL | ||||||||||||||||||||||||||||||
| Housing Loan | 0.50% | Review: Nil Renewal: N.A. |
Upto Rs.25000.00 - Nil Rs.25001.00 to Rs.2.00 Lac - Rs.100.00 Per half year Rs. 2 lac to Rs.10 lac -Rs.200.00 Per half year. Rs.10.00 lac - Rs.300.00 Per half year |
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| Loan / Limit to Traders / MSME/ Large Enterprises | Loan / limit up to Rs.25000.00 – Nil Above Rs.25000.00 to Rs.7.50 lac1.00% Above Rs.7.50 lac – 0.50% Minimum – Rs.500.00 |
Review: Nil
Renewal: Up to Rs.25000.00 – Nil Above Rs.25000.00 Rs.300.00* per Lac Minimum: Rs.500.00 |
Upto Rs.25000.00 - Nil Rs.25001.00 to Rs.2.00 Lac - Rs.200.00 Per half year Rs. 2.00 lac to Rs.10.00 lac - Rs.300.00 Per half year. Rs.10.00 lac to Rs.30.00 Lac - Rs.400.00 Per half year. Above Rs.30.00 lac to Rs.50 lac - Rs.750.00 Per half year Above Rs.50 lac - Rs.1000.00 Per half year |
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| Loan / Limit against Immovable property / NBFC /MFI /HFC | 1.00% Minimum – Rs.1000.00 | Review: Nil
Renewal:
Up to Rs.25000.00 – Nil Above Rs.25000.00 Rs.200.00* per Lac Minimum: Rs.1000.00 |
Upto Rs.25000.00 -
Nil Rs.25001.00 to Rs.2.00 Lac - Rs.200.00 Per half year Rs. 2 lac to Rs.10 lac Rs.300.00 Per half year. Rs.10 lac to Rs.30 lac Rs.400.00 Per half year. Above Rs.30 lac to Rs.50 lac - Rs.750.00 Per half year Above Rs.50 lac - Rs.1000.00 Per half year |
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| KCC Limit/Agricultural loan | Up to Rs.50000.00 Nil Above Rs.50000.00 to Rs.12.50 lac - 0.5% of the amount of limit Above Rs.12.50 to Rs.25.00 lac - 0.75% of the amount of limit Above Rs.25.00 lac – 1% of the amount of limit |
Review: Nil Renewal (Once in five years) Up to Rs.2.00 Lac - Nil Above Rs.2.00 Lac to Rs.25.00 lac Rs.200.00* per Lac Above Rs.25.00 lac – Rs.400 per lac Min: Rs.500.00 |
Upto Rs.25000.00 -
Nil Rs.25001.00 to Rs.2.00 Lac - Rs.200.00 Per half year Rs. 2 lac to Rs.10 lac Rs.300.00 Per half year. Rs.10 lac to Rs.30 lac Rs.400.00 Per half year. Above Rs.30 lac to Rs.50 lac - Rs.750.00 Per half year Above Rs.50 lac - Rs.1000.00 Per half year |
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| Demand Loan / OD facility to the Govt. PSU / Salaried employees | 1.00% | Review: Nil Renewal (in case of OD Facility) Rs.200.00 (Flat) |
Nil | ||||||||||||||||||||||||||||||
| Loan against Bank deposits | Nil | Nil | Nil | ||||||||||||||||||||||||||||||
| Loan against stocks / shares | 1% of the Loan amount Minimum: Rs.1000.00 | Review: Nil Renewal: Up to Rs.25000.00 – Nil Above Rs.25000.00 Rs.200.00* per Lac Minimum: Rs.500.00 Maximum: Rs.50000.00 |
Nil | ||||||||||||||||||||||||||||||
| Loans / limit against NSC / KVP | Rs.100.00 flat | Review: Nil Renewal: Rs.100.00 (Flat) |
Nil | ||||||||||||||||||||||||||||||
| Education Loan | 1.00% of the loan amount Minimum: Rs.1000.00 | Review: Nil Renewal: N.A. |
Nil | ||||||||||||||||||||||||||||||
| Refinancing of Pre-owned | 1.00% of the loan amount Minimum – Rs.2500.00 | Review: Nil Renewal: N.A. |
Upto Rs.25000.00 -Nil Rs.25001.00 to Rs.2.00 Lac - Rs.200.00 Per half year Rs. 2 lac to Rs.10 lac Rs.300.00 Per half year. Rs.10 lac to Rs.30 lac Rs.400.00 Per half year. Rs.30 lac to Rs.50 lac Rs.750.00 Per half year Above Rs.50 lac - Rs.1000.00 Per half year |
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| Premature Charges | The premature closure/Takeover charges shall not be levied in following cases :- 1. Housing Loans 2. All floating rate term loans sanctioned to individual borrowers with or without coobligant(s) for purpose other than business. 3. Fixed rate loans to MSME borrowers up to 50.00 lacs. 4. Floating rate loans to MSME borrowers. In other cases the premature closure charges shall be levied as under :- Auto Loan : In case the account is adjusted before 1 year of the scheduled date of expiry, or it is taken over by some other bank, premature charges will be levied @ 2% Minimum Rs.500.00 Term Loans for Rs.1 Cr & above and Project Loans (irrespective of amount):
Other Loans : In case the account is adjusted before 1 year of the scheduled date of expiry, premature charges will be levied @ 1% In case the account is taken over by some other bank, the premature charges will be levied @ 2%. Minimum Rs.500.00 (Charges to be calculated on outstanding balance or Drawing Power, whichever is higher) |
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| Follow up & Recovery Charges |
Loan Amount Upto Rs.5.00 lac - Rs.250.00 per event. Rs.5.00 lac to Rs.25.00 lac - Rs.500.00 per event. Above Rs.25.00 lac - Rs.750.00 per event. |
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| Repossession Charges |
Loan Amount Upto Rs.5.00 lac - Rs.5000.00* Rs.5.00 lac to Rs.25.00 lac - Rs.15000.00* Above Rs.25.00 lac - Rs.20000.00* *or actual amount spent, whichever is higher. |
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| Charges on the sanction of Ad hoc limits | Same in case of Ad-hoc limit sanctioned in case of CC / OD accounts.
Up to Rs.2.00 Lac Rs.500.00 Above Rs.2.00 Lac 0.50% of the Ad-hoc limit, Minimum: Rs.1000.00 | ||||||||||||||||||||||||||||||||
| Purchase / Discount of Cheques / Drafts |
Local Cheques Discounting: Interest as applicable to TOD for the period Bank remains out of funds. Outstation Cheques: Interest as applicable to clean overdrafts minimum for 5 days + Collection Charges for cheques / bills as applicable |
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| Cheque/SI/NACH Return Charges | Rs. 250/- per event |
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| Bank Guarantee charges |
Note : 1. Minimum charges for three months. 2. B.G. Charges to be charged for period inclusive of claim period. 3. B.G. Amendment charges Rs.1000.00 per event. |
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| Letter of Credit Charges | Charges as prescribed by FEDAI from time to time. | ||||||||||||||||||||||||||||||||
| Charges for substitution of property |
Limit/Loan upto Rs.5.00 lac – Rs.2500/- Above 5.00 lac upto Rs.10.00 lac-Rs.3000/- Above Rs.10.00 lac upto Rs.25.00 lac – Rs.4000/- Above Rs.25.00 lac – Rs.5000/- (Not applicable in deceased cases.) |
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| Commitment Charges for CC/OD limits for Business |
In case of utilization below 65% of Sanctioned Limit/Drawing Power –
NOTE: 1. The power to grant exception/concession in the Commitment charges shall be as per the empowerment matrix applicable for Processing charges. 2. The charges shall be calculated and charged immediately after the end of each FY. 3. Average balance utilization for the complete financial year shall be considered for calculation. 4. In case, the ageing of account is less than one year, the average balance utilization for such shorter period shall be considered and charges shall be calculated on pro-rata basis. However, the charges shall not be applicable in case the ageing of account is less than 6 months.
Instances
1. In CC limit of Rs.40 lac, the average utilization during the FY is Rs.10 lac, i.e. 25% of the sanctioned limit. The underutilized amount shall be Rs.16 lac [40 lac*(65%-25%)]. The Commitment charges in this case shall be [1%*40 lac*(65%-25%)] = Rs.16,000 subject to max. Rs.10000. Thus, only Rs.10,000 shall be charged. 2. In CC limit of Rs.100 lac, the average utilization during the FY is Rs.30 lac, i.e. 30% of the sanctioned limit. The underutilized amount shall be Rs.35 lac [100 lac*(65%-30%)]. The Commitment charges in this case shall be [0.75%*100 lac*(65%-30%)]=Rs.26,250. 3. In CC limit of Rs.100 lac, the average utilization during the FY is Rs.80 lac, i.e. 80% of the sanctioned limit. Commitment charges shall not be applicable in the said case. |
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| Solvency Certificate Charges |
Upto Rs.100.00 lacs – Rs.1000.00 per event Above Rs.100.00 lacs – Rs.5000.00 per event N.A. for clients availing working capital limits from CSFB |
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| Credit Bureau Score Verification Charges | Individual - Rs. 75.00 Per Report Commercial - Rs. 500.00 Per Report | ||||||||||||||||||||||||||||||||
| Cash Handling Charges(CC/OD Accounts) |
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| Penal Charges |
The charges shall be applicable as per following matrix :- a) For accounts remaining overdue
b) Pending Renewal, (c) Non submission of stock statement, and (d) Noncompliance of terms of sanction
NOTE: 1. Above charge amount is exclusive of the applicable taxes. 2. Basis the nature of default i.e. (a), (b), (c) or (d), the system shall compute the penal charges for each day and the aggregate amount shall be debited to the loan account at the month end. 3. In case of multiple trigger events occurring simultaneously on the same day in an account, the highest applicable charges out of all the trigger events for the respective day shall be considered. 4. For Zero DP CCOD accounts, the applicable charges shall be sum of the charges applicable for A) Amount Overdue; and B) Renewal/Stock statement pendency. |
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1. No Processing, loan related or other service charges to be levied on Priority Sector Loans upto Rs.25000.00 (including GCC, DRI, Debt Swap.
2. DD Charges, Collection charges & other service charges in case of CC/OD Limit upto Rs.2.00 lac shall be applicable as per Normal Current Account scheme.
3. DD Charges, Collection charges & other service charges in case of CC/OD Limit above Rs.2.00 lac shall be applicable as per Capital Current Account scheme.
