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 SERVICE CHARGES ON LOANS AND ADVANCES W.E.F SEPTEMBER 19, 2015

Processing Fee
Processing Fee (PC) is applicable for all types of advances on the aggregate sanctioned limit.

For Fresh Limits
Amount Slab – Loan/Limit Working Capital Facilities (Fund based limits) : OD/CC Working Capital Facilities (Non Fund based limits)
Term Loans (other than structured products)
Upto Rs.25,000 Nil Nil Nil
Above Rs.25,000 upto Rs.10 lacs 1% 0.50% 1%
Above Rs.10 lacs 0.50%
Adhoc/TOD 1% of the adhoc limit for the tenor in addition to the additional ROI. NA
NA
For Review /Renewals:
Amount Slab – Loan/Limit Working Capital Facilities (Fund based limits): CC/OD Working Capital Facilities (Non Fund based limits) Term Loans(other than structured products)
Upto Rs.25,000 Nil Nil Nil
Above Rs.25,000 0.25%  0.25% .
PC to be collected upfront on acceptance of sanction by the customer.
Seasonal limits shall be considered as fresh limits every year and PC shall be collected @ fresh limit rates.
- For OD against deposits, loan/OD against Government Securities, NSCs, KVPs, LIC polices 50% of the above fee to be collected.
Internal Rating Validation Charges:-
Amount Slab – Loan/Limit Amount per Rating
Upto Rs.2 lacs Nil
Above Rs.2 lacs & upto Rs.25 lacs Rs.250 per rating
Above Rs.25 lacs Rs.1000 per rating
Internal Rating validation charges for LAD & Gold Loans (Agri Gold Loan, General Gold Loan & Gold Power) – Nil
Pre Closure Charges For Working Capital Accounts CC/OD
Facility Charges %
Within 6 months of initial sanction Between 6 -12 months of initial sanction In case of review /renewal accounts
Working Capital 2% of the limit 1% of the limit. 1%

Accounts marked under Exit: Branch should charge 0.25% of the facility availed in case of accounts is not closed within the stipulated time frame.

Pre-Payment Charges for Term Loans :-

2%within 12 months of first disbursement and 1% after 12 months
For Switching from Fixed interest loan into a Floating Rate Loan (viz-a-viz)
Particulars Switch Charge
Fixed Rate of interest to Floating Rate of Interest 1% upfront of the amount to be converted
Floating Rate of Interest to Fixed Rate of Interest 0.50% upfront of the amount to be converted
Commitment Charge:-  
Working Capital (To be imposed on half yearly basis) (CC/OD)
Half Yearly Utilisation Level Commitment Charges %
Below 60% 1% p.a of the unutilzed portion
Term Loan
Term Loan Nil
Property Valuation:-
Loan Amount Charges (Rs.)
Vacant Land 0.25% of the value subject to a maximum of Rs.2000/-
Building/Plant & Machinery 0.1% of the value of assets with a minimum of Rs.500/- and a maximum of Rs.10,000/-. The valuation of different buildings in the same compound will be treated as one valuation only and maximum fee applicable will be only Rs.10,000/-
EM Creation Charges:-
Loan Amount Charges (Rs.)
Up to Rs.2 lacs Nil
Above Rs.2 lacs  Rs.100/lac, maximum of Rs.5000
CERSAI Registration Charges (wherever applicable): Rs.1000 + Actual shall be recovered after the registration including service Tax
CIBIL Report Generation Charges:-
Consumer CIBIL Rs.35+ST per Report
Commercial CIBIL Rs.700+ST per Report
Inspection Charges (Other than Retail Loans )
Loan Amount Charges
Above Rs 25000-2 lacs Nil
Rs 2-10 lacs  Rs.2250 p.a
Rs10-50 lacs  Rs.3250 p.a
Rs 50 lacs - 2 Cr  Rs.8000 p.a
Abv Rs 2 Cr  Rs.8000 p.a.
Above Rs.5 cr Rs.17500 p.a
Delayed Submission of Financial Reports: 2% over and above the ROI quoted for the delay period. 
Issuance of No Objection Certificate (per approval Charge):-  
Loan Amount Charges (Rs.)
If there is dilution in our security coverage For Limit below Rs.10 crore Minimum of Rs.5000
For limits of Rs.10 crs and above Minimum of Rs.25000
If there is NO dilution in our security and issuance of capital raising, debentures and other purposes Minimum of Rs.10000
Issuance of Solvency Certificate (Per approval Charge)
Certificate Amount Charges (Rs.)
Up to Rs.2 lacs Rs.2000
Above Rs.2 lacs and upto Rs.25 lacs Rs.5000 
Above Rs.25 lacs and upto Rs.50 lacs Rs.10000
Above Rs.50 lacs  Rs.25000 or 0.10% of the requested amount whichever is higher
Issuance of No Due Certificate (Per approval Charge):-
Limit Charges (Rs.)
Up to Rs.2 lacs Nil
Above Rs.2 lacs and upto Rs.25 lacs Rs.200
Above Rs.25 lacs Rs.500
Particular Charge
Charges for enquires relating to old records ( more than 12 months) Rs.100 per query
Issuance of Credit Opinion Report
Loan Amount Charges (Rs.)
Up to Rs.2 lacs Nil
Above Rs.2 lacs Rs.1000
Safe Custody of Documents Charges:-
Type of Custody Charge
Sealed cover Rs.1000
Sealed Box Rs.5000
Charges for effecting Standing Instruction/ECS/PDC:-
Particular Charge
For Setting an Instruction Rs.100
For Amendment/Modification Rs.100
For every ECS transaction, Rs.4.50 to be charged.
Cash Handling/ Transaction Charges:-
Limit Free Cash Per Month Charges
Upto Rs 1 lac Rs 2 lacs Rs 2.50 per Rs 1000
Above Rs 1 lac and upto Rs 3 lacs Rs 5 lacs Rs 2.00 per Rs 1000
Above Rs 3 lacs and upto Rs 5 lacs Rs 10 lacs Rs 2.00 per Rs 1000
Above Rs 5 lacs to Rs 1 cr Rs 15 lacs Rs 2.00 per Rs 1000
Above Rs 1 cr Rs 50 lac Rs 2.00 per Rs 1000
Transaction Entry Charges: At Rs.2 per entry if the number of transaction (excluding internet & branch induced debits and credits) exceed 50 per quarter. 
Charges for Notice – Advance Accounts Fund Based/Non Fund Based/Devolved Accounts
1. Registered notice sent to customer  -Rs.300 per notice

2. For Legal Notice  – Rs.1000 per notice