Various charges for Loan Accounts  
Retail Loan  
Loan processing charges
  1. Fast Credit
  2. Personal Loans
  3. Personal Loans to NRI’s
  4. Adhyapak Suvidha
  5. Rakshak
  6. Rail Plus
  7. Sanchar Plus
  8. Cr. To Credit card holders
  9. Mortgage Loan
  10. Kanya Vivah Suvidha
  11. Saral
  
  1.         0.60%
  2.         1.10%
  3.         1.10%
  4.         1.10%
  5.         1.10%
  6.         1.10%
  7.         1.10%
  8.         1.10%
  9.         1.10%
  10.         0.60%
  11.         1.10%
   
Processing Charges on other Personal Loans
  1. Software Professional Plus
  2. Paryatan
  3. Vanitha Gold
  4. Journalist Plus
  5. Tax Suvidha
  6. Udyog Bandhu
  7. Mahila Shakti
  8. Career Planner
  9. Pilot / Air Hostess Trainees
   
  1.         1.10%
  2.         1.10%
  3.         1.10%
  4.         1.10%
  5.         1.10%
  6.         1.10%
  7.         1.10%
  8.         1.10%
  9.         0.60%
Housing Loans

Max Gain

0.50% with a cap of Rs.10000/-

                --do--
Car/Vehicle Loans 0.60% of Loan amount
Education Loans
  1. Rs.5000/- to be collected at the time of delivering sanction letter to the student/guardian.
  2. Rs.1000/- to be appropriated towards processing fees
  3. Rs.4000/- to be adjusted towards margin at the time of release of loan
  4. If the loan is not availed for any reason Rs.4000/- to be refunded without interest.
DL against pledge of gold ornaments Rs.3.50 per 1000, Min Rs.30/- Max Rs.110/-
OD against pledge of gold ornaments 1.10% OF THE ORIGINAL LIMIT SUBJECT TO Max Rs.330/-
Equitable Mortgage Charges Upto Rs.1.00 lac-Nil, Above Rs.1.00 lac – Rs.200 per lac, Max Rs.11200/-
Prepayment charges

 

For Car Loans

For Education Loans

For Personal Loans

 2% of the pre-paid amount for both floating interest rate term loans and fixed interest rate term loans. 

2% on the amount of the loan prepaid will be levied

No prepayment charges are levied

No prepayment charges are levied

 

No dues certificate Flat charge of Rs.110/- (No charge for government sponsored schemes)
Solvency certificate (For non-commercial purpose Rs.250/- flat for certificate)

Upto Rs.1.00 lac -                   Rs.550/-

Above Rs.1.00 lac & upto Rs.25.00 lacs -  Rs.3000/-

Above Rs.25.00 lac & upto Rs.50.00 lac -  Rs.6000/-

Above Rs.50.00 lac -               Rs.11020/-
Charges for late payment of EMI No penal interest to be charged on Housing loans and Education loans upto Rs.25000/-   

All advances excepting those mentioned above, Penal Interest at 2% is to be charges on the entire loan outstanding for the period of default.

Charges for changing from fixed to floating rates of interest At present in our bank the option for conversion from fixed to floating rates of interest and vice versa is not available.
Charges for changing from float to fixed rates of interest At present in our bank the option for conversion from fixed to floating rates of interest and vice versa is not available.